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Are you paying too much for homeowners insurance in 35621? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Eva, AL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Alabama licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 35621?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 35621 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 35621 and get ready to save.

3 Easy Ways To Save Money In 35621

These three links will help you explore home insurance quotes in 35621 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 35621 Home Insurance Costs Rated: high!

The average price for a homeowners insurance policy in Eva is roughly $1108. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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35621 Home Insurance Average Premiums

Local 35621 homeowners insurance quotes comparison

$858 /yr.

Shows Zip Code: 35621 lowest rates with discounts applied on average.

For the 35621, 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)
$858 /yr.
Average Coverage:$1108 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1408 /yr.

What is the average home insurance cost for a home in 35621?

  • • The average homeowners insurance premium paid annually for a home in 35621 is around $1108 per year.

What does it cost on average per month for home insurance in 35621?

  • • Homeowners in 35621 pay a monthly average cost per month around $92.00.

What kind of discount could I get if I combine my home and auto insurance together in 35621?

  • • Autoowners in 35621 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 Eva area, check out other zip codes nearby 35621.
Review average rates in another zip code:
35621 homeowners insurance rates

Home Replacement Cost Coverage in 35621

Average Building Cost Per Square Foot in 35621: $104

Location: Eva, Alabama (Morgan County)

Average Square Footage in 35621: 1,343 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35621 before you start any project. Eva 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 35621 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 35621 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,343 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 Eva 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$1041,343$139,700
Additional Upgrades & Added Features$1301,343$174,625
Major Home Updates or Advancements$1561,343$209,550

It's important to understand that when you estimate your replacement cost of your home in the 35621 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 35621

Best Home & Auto Insurance Agencies in 35621

Housing Demographics for 35621

Population Review for 35621 Zip Code

For the city of Eva, the population within 35621 has increased to over 3,240 residents in population size. The current population total is 2,914. We have broken down the population based on race below. In 35621, there are over 1465 in male population and 1449 females.

PopulationValues
Total Population2,914
White Population2721
Black Population3
Hispanic Population36
Asian Population3
Hawaiian Population0
Indian Population16
Other Population20
Male Population1465
Female Population1449
Population Estimate3240

Household Data for 35621

The average number of homes in 35621 is around 1,159, there are an average of 2.51 per household. The average house value according to local real estate values is around $139,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,159
Persons Per Household2.51
Average House Value$139,700
Income Per Household$71125
Median Age43.6
Median Age Male43.9
Median Age Female43.3
35621 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256/938
CityEva
City Alias NameEVA
CountyMorgan
County FIPS103
State FIPS01
Time Zone6
Day Light SavingY
MSA2030
PMSA
CSA290
CBSA19460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDecatur, AL
MSA_NameDecatur, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses43
Number Of Employees215
Business First Quarter Payroll1440
Business Annual Payroll6321
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population153829
CBSA Division Population0
Congressional District04|05
Congressional LandArea8888.77|3677.31
Delivery Residential1291
Delivery Business32
Delivery Total1455
Preferred Last Line KeyY10404
Classification Code
Multi-CountyY
CSA NameHuntsville-Decatur-Albertville, AL-TN
CBSA_DIV_Name
City State KeyY10404
Land Area45.498000
Water Area0.158000
City Alias Code
City Mixed CaseEva
City Alias Mixed CaseEva
Box Count84
SFDU1291
MFDU0
State ANSI01
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number012850
Unique ZIP Name
SSA State County Code01510
Medicare CBSA Code19460
Medicare CBSA NameDecatur, AL
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseMorgan

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