Get multiple home insurance quotes in 35653. Our licensed 35653, AL agents are ready to serve you.

Compare 35653 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 35653 area? The average homeowners premium in Alabama for a standard homeowners policy is around $1,105/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 35653 zip code, the population size is around 12,239 with 4,255 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 35653.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Russellville, AL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. AL RateDiscountsSavingsShop Rates
$1,501up to 40% off$600

35653 Home Insurance Average Premiums

Local 35653 homeowners insurance quotes comparison

$855 /yr.

Shows Zip Code: 35653 lowest rates with discounts applied on average.

For the 35653, 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)
$855 /yr.
Average Coverage:$1105 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1405 /yr.

What is the average home insurance cost for a home in 35653?

  • • The average homeowners insurance premium paid annually for a home in 35653 is around $1105 per year.

What does it cost on average per month for home insurance in 35653?

  • • Homeowners in 35653 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 35653?

  • • Autoowners in 35653 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 Russellville area, check out other zip codes nearby 35653.
Review average rates in another zip code:
35653 homeowners insurance rates
35654 homeowners insurance rates

Home Replacement Cost Coverage in 35653

Average Building Cost Per Square Foot in 35653: $104

Location: Russellville, Alabama (Franklin County)

Average Square Footage in 35653: 866 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35653 before you start any project. Russellville 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 35653 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 35653 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 866 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 Russellville 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$104866$90,100
Additional Upgrades & Added Features$130866$112,625
Major Home Updates or Advancements$156866$135,150

It's important to understand that when you estimate your replacement cost of your home in the 35653 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 35653

Cummings Lori Insurance Agency

Address: 13150 Hwy 43 Suite 2 Russellville, AL 35653
Phone: (256)331-2835
Website:

Best Home & Auto Insurance Agencies in 35653

Auto-Owners Insurance

Address: 130 N Jackson Ave Russellville, AL 35653
Phone:
Website:
Info:

Norris- Lanny S - State Farm Insurance Agent

Address: 201 Washington Ave NW Russellville, AL 35653
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Garrard- Gus G - State Farm Insurance Agent

Address: 13688 Highway 43 Russellville, AL 35653
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Cantrell- Sam A - State Farm Insurance Agent

Address: U South Highway 43 Bypass North Russellville, AL 35653
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Cole Insurance Agency

Address: 517 St Clair St Russellville, AL 35653
Phone:
Website: http://www.driveinsurance.com/agent
Info:

Housing Demographics for 35653

Population Review for 35653 Zip Code

For the city of Russellville, the population within 35653 has increased to over 12,321 residents in population size. The current population total is 12,239. We have broken down the population based on race below. In 35653, there are over 6120 in male population and 6119 females.

PopulationValues
Total Population12,239
White Population7443
Black Population816
Hispanic Population4086
Asian Population14
Hawaiian Population2
Indian Population392
Other Population2854
Male Population6120
Female Population6119
Population Estimate12321

Household Data for 35653

The average number of homes in 35653 is around 4,255, there are an average of 2.83 per household. The average house value according to local real estate values is around $90,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,255
Persons Per Household2.83
Average House Value$90,100
Income Per Household$44067
Median Age34.9
Median Age Male33.8
Median Age Female35.9
35653 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256/938
CityRussellville
City Alias NameRUSSELLVILLE
CountyFranklin
County FIPS059
State FIPS01
Time Zone6
Day Light SavingY
MSA
PMSA
CSA250
CBSA40770
CBSA_DIV
CBSA_TypeMicro
CBSA_NameRussellville, AL
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses279
Number Of Employees3812
Business First Quarter Payroll32084
Business Annual Payroll143668
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 Residential4354
Delivery Business330
Delivery Total5491
Preferred Last Line KeyY11041
Classification Code
Multi-CountyY
CSA NameFlorence-Muscle Shoals-Russellville, AL
CBSA_DIV_Name
City State KeyY11041
Land Area149.653000
Water Area7.824000
City Alias Code
City Mixed CaseRussellville
City Alias Mixed CaseRussellville
Box Count358
SFDU3973
MFDU186
State ANSI01
County ANSI059
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number017050
Unique ZIP Name
SSA State County Code01290
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseFranklin

Alabama Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]