Get multiple home insurance quotes in 35545. Our licensed 35545, AL agents are ready to serve you.

35545 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 35545? There are over 26 occupied homes in the 35545 area. With a population size of 73, it's not uncommon for residence of Belk, AL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Alabama is around $1,139 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 35545 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Belk, AL Home Insurance Rate Quotes

35545 Home Insurance Average Premiums

Local 35545 homeowners insurance quotes comparison

$889 /yr.

Shows Zip Code: 35545 lowest rates with discounts applied on average.

For the 35545, 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)		$889 /yr.
Average Coverage:$1139 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1439 /yr.

What is the average home insurance cost for a home in 35545?

  • • The average homeowners insurance premium paid annually for a home in 35545 is around $1139 per year.

What does it cost on average per month for home insurance in 35545?

  • • Homeowners in 35545 pay a monthly average cost per month around $95.00.

What kind of discount could I get if I combine my home and auto insurance together in 35545?

  • • Autoowners in 35545 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 Belk area, check out other zip codes nearby 35545.
Review average rates in another zip code:
35545 homeowners insurance rates

Home Replacement Cost Coverage in 35545

Average Building Cost Per Square Foot in 35545: $104

Location: Belk, Alabama (Fayette County)

Average Square Footage in 35545: 893 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35545 before you start any project. Belk 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 35545 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 35545 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 893 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 Belk 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$104893$92,900
Additional Upgrades & Added Features$130893$116,125
Major Home Updates or Advancements$156893$139,350

It's important to understand that when you estimate your replacement cost of your home in the 35545 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 35545

Best Home & Auto Insurance Agencies in 35545

Housing Demographics for 35545

Population Review for 35545 Zip Code

For the city of Belk, the population within 35545 has increased to over 0 residents in population size. The current population total is 73. We have broken down the population based on race below. In 35545, there are over 37 in male population and 36 females.

PopulationValues
Total Population73
White Population67
Black Population0
Hispanic Population4
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population37
Female Population36
Population Estimate0

Household Data for 35545

The average number of homes in 35545 is around 26, there are an average of 2.81 per household. The average house value according to local real estate values is around $92,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode26
Persons Per Household2.81
Average House Value$92,900
Income Per Household$41250
Median Age52.5
Median Age Male49.5
Median Age Female56.3
35545 DetailsValues
StateAL
State Full NameAlabama
City TypeZ
City Alias Abbreviation
Area Code205/659
CityBelk
City Alias NameBELK
CountyFayette
County FIPS057
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 Businesses7
Number Of Employees197
Business First Quarter Payroll2975
Business Annual Payroll12972
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 Residential0
Delivery Business0
Delivery Total36
Preferred Last Line KeyY10093
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY10093
Land Area0.419000
Water Area0.000000
City Alias Code
City Mixed CaseBelk
City Alias Mixed CaseBelk
Box Count26
SFDU0
MFDU0
State ANSI01
County ANSI057
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number010640
Unique ZIP Name
SSA State County Code01280
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseFayette

Alabama Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]