Get multiple home insurance quotes in 35216. Our licensed 35216, AL agents are ready to serve you.

35216, AL Home Insurance

In the zip code of 35216, the population size is around 36,673, which consists of 15,932 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Birmingham, AL. A few years ago, a study was done and found that the average home insurance rates for Alabama are around $1,080 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 35216 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Birmingham. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Birmingham, AL Homeowners Insurance Online Rates Today!

35216 Home Insurance Average Premiums

Local 35216 homeowners insurance quotes comparison

$830 /yr.

Shows Zip Code: 35216 lowest rates with discounts applied on average.

For the 35216, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$830 /yr.
Average Coverage:$1080 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1380 /yr.

What is the average home insurance cost for a home in 35216?

  • • The average homeowners insurance premium paid annually for a home in 35216 is around $1080 per year.

What does it cost on average per month for home insurance in 35216?

  • • Homeowners in 35216 pay a monthly average cost per month around $90.00.

What kind of discount could I get if I combine my home and auto insurance together in 35216?

  • • Autoowners in 35216 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Birmingham area, check out other zip codes nearby 35216.
Review average rates in another zip code:
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35254 homeowners insurance rates
35224 homeowners insurance rates

Home Replacement Cost Coverage in 35216

Average Building Cost Per Square Foot in 35216: $104

Location: Birmingham, Alabama (Jefferson County)

Average Square Footage in 35216: 2,879 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35216 before you start any project. Birmingham homeowners pay on average around $104 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 35216 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 35216 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,879 sq. ft. and the average cost to rebuild the home in this area is around $104 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Birmingham area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1042,879$299,400
Additional Upgrades & Added Features$1302,879$374,250
Major Home Updates or Advancements$1562,879$449,100

It's important to understand that when you estimate your replacement cost of your home in the 35216 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 35216

PAC Insurance Agency Inc

Address: 3408 Lorna Lane Birmingham, AL 35216
Phone: (205)823-2037
Website: www.insurance-insurance.com

Geico Insurance - Local Sales & Service

Address: 3301 Lorna Road Suite 2 Birmingham, AL 35216
Phone: (205)824-4449
Website:

Donaldson Insurance Agency

Address: 1729 South Lakeshore Drive Birmingham, AL 35216
Phone: (205)942-7543
Website:

Allstate Insurance - Debbie Mitchell

Address: 3364 Morgan Dr Vestavia, AL 35216
Phone: (205)979-6563
Website:

Best Home & Auto Insurance Agencies in 35216

Santy C C Insurance

Address: 217 Woodbury Dr Birmingham, AL 35216
Phone:
Website:
Info:

State Farm

Address: 3112 Rime Village Dr Birmingham, AL 35216
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Jones- Bobby B - State Farm Insurance Agent

Address: 2112 Rocky Ridge Rd Birmingham, AL 35216
Phone:
Website:
Info:

Vivian Mora - State Farm Auto Home Life Car Insura

Address: 3253 Lorna Road Birmingham, AL 35216
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/01/2195
Info:

Lambert Mickey L Insurance

Address: 2960 Columbiana Rd Birmingham, AL 35216
Phone:
Website:
Info:

Housing Demographics for 35216

Population Review for 35216 Zip Code

For the city of Birmingham, the population within 35216 has increased to over 38,288 residents in population size. The current population total is 36,673. We have broken down the population based on race below. In 35216, there are over 17286 in male population and 19387 females.

PopulationValues
Total Population36,673
White Population23846
Black Population7597
Hispanic Population2685
Asian Population1612
Hawaiian Population26
Indian Population122
Other Population1296
Male Population17286
Female Population19387
Population Estimate38288

Household Data for 35216

The average number of homes in 35216 is around 15,932, there are an average of 2.30 per household. The average house value according to local real estate values is around $299,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,932
Persons Per Household2.30
Average House Value$299,400
Income Per Household$65803
Median Age35.0
Median Age Male33.7
Median Age Female36.2
35216 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code205
CityBirmingham
City Alias NameBIRMINGHAM
CountyJefferson
County FIPS073
State FIPS01
Time Zone6
Day Light SavingY
MSA1000
PMSA
CSA142
CBSA13820
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBirmingham, AL
MSA_NameBirmingham, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1068
Number Of Employees13513
Business First Quarter Payroll151685
Business Annual Payroll656819
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1128047
CBSA Division Population0
Congressional District06|07
Congressional LandArea4170.78|10156.13
Delivery Residential16647
Delivery Business1462
Delivery Total20040
Preferred Last Line KeyY10114
Classification Code
Multi-CountyY
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY10114
Land Area12.985000
Water Area0.121000
City Alias Code
City Mixed CaseBirmingham
City Alias Mixed CaseBirmingham
Box Count0
SFDU8866
MFDU5793
State ANSI01
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number010780
Unique ZIP Name
SSA State County Code01360
Medicare CBSA Code13820
Medicare CBSA NameBirmingham-Hoover, AL
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseJefferson

Alabama Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]