Get multiple home insurance quotes in 35661. Our licensed 35661, AL agents are ready to serve you.

Compare 35661 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Muscle Shoals just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 7,859 neighbors looking to save on their home insurance policy in the local 35661 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 35661. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Alabama rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Muscle Shoals, AL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Muscle Shoals, AL

35661 Home Insurance Average Premiums

Local 35661 homeowners insurance quotes comparison

$844 /yr.

Shows Zip Code: 35661 lowest rates with discounts applied on average.

For the 35661, 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)
$844 /yr.
Average Coverage:$1094 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1394 /yr.

What is the average home insurance cost for a home in 35661?

  • • The average homeowners insurance premium paid annually for a home in 35661 is around $1094 per year.

What does it cost on average per month for home insurance in 35661?

  • • Homeowners in 35661 pay a monthly average cost per month around $91.00.

What kind of discount could I get if I combine my home and auto insurance together in 35661?

  • • Autoowners in 35661 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 Muscle Shoals area, check out other zip codes nearby 35661.
Review average rates in another zip code:
35661 homeowners insurance rates

Home Replacement Cost Coverage in 35661

Average Building Cost Per Square Foot in 35661: $104

Location: Muscle Shoals, Alabama (Colbert County)

Average Square Footage in 35661: 1,459 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35661 before you start any project. Muscle Shoals 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 35661 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 35661 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,459 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 Muscle Shoals 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$1041,459$151,700
Additional Upgrades & Added Features$1301,459$189,625
Major Home Updates or Advancements$1561,459$227,550

It's important to understand that when you estimate your replacement cost of your home in the 35661 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 35661

Johnson Laura & Associates Inc

Address: 3203 Woodward Avenue Muscle Shoals, AL 35661
Phone: (256)314-1280
Website: www.nationwide.com

Laura L. Johnson Agency

Address: 3203 Woodward Ave Muscle Shoals, AL 35661
Phone: (256)314-1280
Website: www.nationwide.com

Henry Roger Insurance Agency

Address: 1003 Avalon Avenue Muscle Shoals, AL 35661
Phone: (256)381-0110
Website: www.cottonstatesinsurance.com

Best Home & Auto Insurance Agencies in 35661

Hampton- James E

Address: 919 Avalon Ave Muscle Shoals, AL 35661
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

Bill Alexander Ins Agency Inc

Address: 307 W State Ave Muscle Shoals, AL 35661
Phone:
Website: http://www.balexander.com
Info:

Allstate Insurance Companies

Address: 1810 John R St Muscle Shoals, AL 35661
Phone:
Website: http://www.allstateagencies.com
Info:

Freeman Insurance Agency

Address: 601 Pasadena Ave Muscle Shoals, AL 35661
Phone:
Website: http://www.freemaninsagency.com
Info:

Marks- Paula

Address: 103 W 6th St Tuscumbia, AL 35661
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

Housing Demographics for 35661

Population Review for 35661 Zip Code

For the city of Muscle Shoals, the population within 35661 has increased to over 20,114 residents in population size. The current population total is 18,714. We have broken down the population based on race below. In 35661, there are over 8964 in male population and 9750 females.

PopulationValues
Total Population18,714
White Population13868
Black Population3185
Hispanic Population647
Asian Population279
Hawaiian Population1
Indian Population106
Other Population378
Male Population8964
Female Population9750
Population Estimate20114

Household Data for 35661

The average number of homes in 35661 is around 7,859, there are an average of 2.37 per household. The average house value according to local real estate values is around $151,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,859
Persons Per Household2.37
Average House Value$151,700
Income Per Household$63319
Median Age41.6
Median Age Male39.6
Median Age Female43.2
35661 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256/938
CityMuscle Shoals
City Alias NameMUSCLE SHOALS
CountyColbert
County FIPS033
State FIPS01
Time Zone6
Day Light SavingY
MSA2650
PMSA
CSA250
CBSA22520
CBSA_DIV
CBSA_TypeMetro
CBSA_NameFlorence-Muscle Shoals, AL
MSA_NameFlorence, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses535
Number Of Employees13204
Business First Quarter Payroll128958
Business Annual Payroll554604
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population147137
CBSA Division Population0
Congressional District04
Congressional LandArea8888.77
Delivery Residential8487
Delivery Business807
Delivery Total9363
Preferred Last Line KeyY18451
Classification Code
Multi-County
CSA NameFlorence-Muscle Shoals-Russellville, AL
CBSA_DIV_Name
City State KeyY18451
Land Area51.192000
Water Area10.163000
City Alias Code
City Mixed CaseMuscle Shoals
City Alias Mixed CaseMuscle Shoals
Box Count0
SFDU7666
MFDU422
State ANSI01
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number015840
Unique ZIP Name
SSA State County Code01160
Medicare CBSA Code22520
Medicare CBSA NameFlorence-Muscle Shoals, AL
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseColbert

Alabama Homeowners Insurance News & Information

  • 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 […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    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 […]