Get multiple home insurance quotes in 35540. Our licensed 35540, AL agents are ready to serve you.

35540 Home Insurance Rates

For homeowners living in 35540, the population estimates are increasing to well over 2,324 with 933 occupied homes within the zip code of 35540. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Addison have increased and the average home insurance premium is around $1,161 per year in 35540. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 35540 zip code today so we can help you find affordable Addison, AL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 35540

Please select one of the three options below based on your 35540 zip code to learn more about Alabama homeowners insurance, plus review average rates and information per state, county or city.

  1. Alabama Homeowners Insurance Quotes
  2. Winston County, AL Home Insurance
  3. Addison, AL Home Insurance Quotes

35540 Average Home Insurance Rating Cost is: High!

Getting cheaper homeowners insurance in the 35540 zip code just got easier with GetHomeInsuranceQuotes.com of Addison, AL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 35540 today and let us help you review the best home insurance quotes available for homeowners living in Addison.

Get 35540 Homeowners Insurance Rates Now!

35540 Home Insurance Average Premiums

Local 35540 homeowners insurance quotes comparison

$911 /yr.

Shows Zip Code: 35540 lowest rates with discounts applied on average.

For the 35540, 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)
$911 /yr.
Average Coverage:$1161 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1461 /yr.

What is the average home insurance cost for a home in 35540?

  • • The average homeowners insurance premium paid annually for a home in 35540 is around $1161 per year.

What does it cost on average per month for home insurance in 35540?

  • • Homeowners in 35540 pay a monthly average cost per month around $97.00.

What kind of discount could I get if I combine my home and auto insurance together in 35540?

  • • Autoowners in 35540 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 Addison area, check out other zip codes nearby 35540.
Review average rates in another zip code:
35540 homeowners insurance rates

Home Replacement Cost Coverage in 35540

Average Building Cost Per Square Foot in 35540: $104

Location: Addison, Alabama (Winston County)

Average Square Footage in 35540: 1,032 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35540 before you start any project. Addison 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 35540 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 35540 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,032 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 Addison 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$1041,032$107,300
Additional Upgrades & Added Features$1301,032$134,125
Major Home Updates or Advancements$1561,032$160,950

It's important to understand that when you estimate your replacement cost of your home in the 35540 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 35540

Best Home & Auto Insurance Agencies in 35540

Alfa Insurance

Address: 30938 Highway 278 Addison, AL 35540
Phone:
Website: http://www.alfains.com
Info: Alfa Insurance Home Page

Housing Demographics for 35540

Population Review for 35540 Zip Code

For the city of Addison, the population within 35540 has increased to over 2,363 residents in population size. The current population total is 2,324. We have broken down the population based on race below. In 35540, there are over 1144 in male population and 1180 females.

PopulationValues
Total Population2,324
White Population2207
Black Population10
Hispanic Population28
Asian Population3
Hawaiian Population3
Indian Population14
Other Population10
Male Population1144
Female Population1180
Population Estimate2363

Household Data for 35540

The average number of homes in 35540 is around 933, there are an average of 2.49 per household. The average house value according to local real estate values is around $107,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode933
Persons Per Household2.49
Average House Value$107,300
Income Per Household$47180
Median Age46.2
Median Age Male42.7
Median Age Female48.6
35540 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256
CityAddison
City Alias NameADDISON
CountyWinston
County FIPS133
State FIPS01
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses52
Number Of Employees2118
Business First Quarter Payroll23652
Business Annual Payroll92194
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea8888.77
Delivery Residential949
Delivery Business22
Delivery Total1470
Preferred Last Line KeyY10007
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY10007
Land Area70.357000
Water Area0.518000
City Alias Code
City Mixed CaseAddison
City Alias Mixed CaseAddison
Box Count151
SFDU937
MFDU0
State ANSI01
County ANSI133
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number010060
Unique ZIP Name
SSA State County Code01660
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseWinston

Alabama Homeowners Insurance News & Information

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    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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]