Home Insurance Quotes in 35406

Are you shopping for a cheaper homeowners insurance rate in 35406? Our rates are very competitive for homeowners living in Tuscaloosa, AL. Many homeowners located in the 35406 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Alabama licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 35406. To get free 35406 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 35406 zip code should appear in the zip code field ready to go. Shopping Tuscaloosa, AL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 35406 to review the best rate coverages.

Your 35406 Home Insurance Costs Is Rated: High!

For the great city of Tuscaloosa, the average home insurance premium paid annually is around $1080 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Alabama specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Tuscaloosa and need insurance on your home in the 35406 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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35406 Home Insurance Average Premiums

Local 35406 homeowners insurance quotes comparison

$830 /yr.

Shows Zip Code: 35406 lowest rates with discounts applied on average.

For the 35406, 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 35406?

• The average homeowners insurance premium paid annually for a home in 35406 is around $1080 per year.

What does it cost on average per month for home insurance in 35406?

• Homeowners in 35406 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 35406?

• Autoowners in 35406 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 Tuscaloosa area, check out other zip codes nearby 35406.
Review average rates in another zip code:
35401 homeowners insurance rates
35404 homeowners insurance rates
35406 homeowners insurance rates
35405 homeowners insurance rates

Home Replacement Cost Coverage in 35406

Average Building Cost Per Square Foot in 35406: $104

Location: Tuscaloosa, Alabama (Tuscaloosa County)

Average Square Footage in 35406: 3,601 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35406 before you start any project. Tuscaloosa 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 35406 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 35406 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,601 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 Tuscaloosa 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$104	3,601	$374,500
Additional Upgrades & Added Features	$130	3,601	$468,125
Major Home Updates or Advancements	$156	3,601	$561,750

Calculate Your Dwelling Coverage in 35406

It's important to understand that when you estimate your replacement cost of your home in the 35406 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.