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35603, AL Home Insurance
In the zip code of 35603, the population size is around 32,380, which consists of 13,512 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Decatur, AL. A few years ago, a study was done and found that the average home insurance rates for Alabama are around $1,185 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 35603 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 Decatur. 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 Decatur, AL Homeowners Insurance Online Rates Today!
35603 Home Insurance Average Premiums
$935 /yr.
Shows Zip Code: 35603 lowest rates with discounts applied on average.
For the 35603, 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) | $935 /yr. |
| Average Coverage: | $1185 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1485 /yr. |
What is the average home insurance cost for a home in 35603?
- • The average homeowners insurance premium paid annually for a home in 35603 is around $1185 per year.
What does it cost on average per month for home insurance in 35603?
- • Homeowners in 35603 pay a monthly average cost per month around $99.00.
What kind of discount could I get if I combine my home and auto insurance together in 35603?
- • Autoowners in 35603 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 Decatur area, check out other zip codes nearby 35603.
Review average rates in another zip code:
35603 homeowners insurance rates
35601 homeowners insurance rates
Home Replacement Cost Coverage in 35603
Average Building Cost Per Square Foot in 35603: $104
Location: Decatur, Alabama (Morgan County)Average Square Footage in 35603: 1,756 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 35603 before you start any project. Decatur 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 35603 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 35603 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,756 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 Decatur 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 | 1,756 | $182,600 |
| Additional Upgrades & Added Features | $130 | 1,756 | $228,250 |
| Major Home Updates or Advancements | $156 | 1,756 | $273,900 |
It's important to understand that when you estimate your replacement cost of your home in the 35603 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 35603
Stovall-Marks Insurance
Address: 2601 Danville Road Southwest Decatur, AL 35603Phone: (256)355-7951
Website: www.stovallmarks.com
Allstate Insurance - Wendy Hall
Address: 2701 Highway 31 South Decatur, AL 35603Phone: (256)351-7100
Website:
Nationwide Insurance & Financial Services
Address: 3524 Deere Road Southeast Decatur, AL 35603Phone: (256)355-8500
Website: www.nationwide.com
Insurance of North Alabama Inc
Address: 2601 Danville Road Southwest Decatur, AL 35603Phone: (256)355-7951
Website:
Best Home & Auto Insurance Agencies in 35603
Garner Insurance
Address: 901 Wimberly Dr SW Decatur, AL 35603Phone:
Website:
Info:
Allstate Insurance - Wendy Hall
Address: 2701 Us-31 S Decatur, AL 35603Phone:
Website:
Info:
Stovall-Marks Insurance
Address: 2601 Danville Rd SW Decatur, AL 35603Phone:
Website: http://www.stovallmarks.com
Info:
Alfa Insurance - Priceville
Address: 2941 Point Mallard Pky SE Decatur, AL 35603Phone:
Website: http://www.alfains.com
Info: Alfa Insurance Home Page
Sibley Allen Insurance
Address: 2349 Danville Rd SW Decatur, AL 35603Phone:
Website:
Info:
Housing Demographics for 35603
Population Review for 35603 Zip Code
For the city of Decatur, the population within 35603 has increased to over 34,429 residents in population size. The current population total is 32,380. We have broken down the population based on race below. In 35603, there are over 15406 in male population and 16974 females.
| Population | Values |
|---|---|
| Total Population | 32,380 |
| White Population | 23165 |
| Black Population | 5065 |
| Hispanic Population | 2439 |
| Asian Population | 427 |
| Hawaiian Population | 13 |
| Indian Population | 168 |
| Other Population | 1283 |
| Male Population | 15406 |
| Female Population | 16974 |
| Population Estimate | 34429 |
Household Data for 35603
The average number of homes in 35603 is around 13,512, there are an average of 2.38 per household. The average house value according to local real estate values is around $182,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 13,512 |
| Persons Per Household | 2.38 |
| Average House Value | $182,600 |
| Income Per Household | $65453 |
| Median Age | 42.5 |
| Median Age Male | 40.7 |
| Median Age Female | 44.0 |
| 35603 Details | Values |
|---|---|
| State | AL |
| State Full Name | Alabama |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 256/938 |
| City | Decatur |
| City Alias Name | DECATUR |
| County | Morgan |
| County FIPS | 103 |
| State FIPS | 01 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | 2030 |
| PMSA | |
| CSA | 290 |
| CBSA | 19460 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Decatur, AL |
| MSA_Name | Decatur, AL MSA |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 506 |
| Number Of Employees | 7478 |
| Business First Quarter Payroll | 78570 |
| Business Annual Payroll | 352983 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 153829 |
| CBSA Division Population | 0 |
| Congressional District | 04|05 |
| Congressional LandArea | 8888.77|3677.31 |
| Delivery Residential | 14466 |
| Delivery Business | 621 |
| Delivery Total | 15005 |
| Preferred Last Line Key | Y10318 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Huntsville-Decatur-Albertville, AL-TN |
| CBSA_DIV_Name | |
| City State Key | Y10318 |
| Land Area | 71.029000 |
| Water Area | 6.569000 |
| City Alias Code | |
| City Mixed Case | Decatur |
| City Alias Mixed Case | Decatur |
| Box Count | 0 |
| SFDU | 11798 |
| MFDU | 1482 |
| State ANSI | 01 |
| County ANSI | 103 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 012380 |
| Unique ZIP Name | |
| SSA State County Code | 01510 |
| Medicare CBSA Code | 19460 |
| Medicare CBSA Name | Decatur, AL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 5 |
| County Mixed Case | Morgan |
Alabama Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
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Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
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Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]