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Home Insurance in 35816

Our rates are very competitive for homeowners living in the 35816 zip code. Many homeowners based out of Huntsville, AL have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our AL licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 35816 should appear in the zip code field ready to go.

35816 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Huntsville area? The average homeowners premium in 35816 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 35816, you can expect to pay around $1118 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 35816 Today!

Get Home Insurance Quotes in 35816

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Alabama. Start your 35816 home insurance shopping today!

  1. Huntsville, AL Home Insurance Quotes

35816 Home Insurance Average Premiums

Local 35816 homeowners insurance quotes comparison

$868 /yr.

Shows Zip Code: 35816 lowest rates with discounts applied on average.

For the 35816, 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)
$868 /yr.
Average Coverage:$1118 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1418 /yr.

What is the average home insurance cost for a home in 35816?

  • • The average homeowners insurance premium paid annually for a home in 35816 is around $1118 per year.

What does it cost on average per month for home insurance in 35816?

  • • Homeowners in 35816 pay a monthly average cost per month around $93.00.

What kind of discount could I get if I combine my home and auto insurance together in 35816?

  • • Autoowners in 35816 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 Huntsville area, check out other zip codes nearby 35816.
Review average rates in another zip code:
35801 homeowners insurance rates
35808 homeowners insurance rates
35805 homeowners insurance rates
35811 homeowners insurance rates
35824 homeowners insurance rates
35896 homeowners insurance rates
35803 homeowners insurance rates
35802 homeowners insurance rates
35816 homeowners insurance rates
35810 homeowners insurance rates

Home Replacement Cost Coverage in 35816

Average Building Cost Per Square Foot in 35816: $104

Location: Huntsville, Alabama (Madison County)

Average Square Footage in 35816: 877 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35816 before you start any project. Huntsville 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 35816 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 35816 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 877 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 Huntsville 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$104877$91,200
Additional Upgrades & Added Features$130877$114,000
Major Home Updates or Advancements$156877$136,800

It's important to understand that when you estimate your replacement cost of your home in the 35816 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 35816

Allstate Insurance - Jim Berry

Address: 1109 Jordon Lane Huntsville, AL 35816
Phone: (256)837-8740
Website:

Burkman Larry Agency Insurance

Address: 4820 University Drive Northwest Suite 7 Huntsville, AL 35816
Phone: (256)830-1123
Website:

Allstate Insurance-Jim Berry

Address: 1109a Jordan Ln Nw Huntsville, AL 35816
Phone: (256)837-8740
Website: agent.allstate.com/84449

Best Home & Auto Insurance Agencies in 35816

Burkman Larry Agency Insurance

Address: 4820 University Dr NW, #7 Huntsville, AL 35816
Phone:
Website:
Info:

Alfa Insurance

Address: 1580 Sparkman Dr NW Huntsville, AL 35816
Phone:
Website:
Info:

Allstate Insurance-Jim Berry

Address: 1109 Jordan Ln NW Huntsville, AL 35816
Phone:
Website: http://www.agent.allstate.com/84449
Info:

Alfa Insurance - Huntsville

Address: 2022 Jordan Ln NW Huntsville, AL 35816
Phone:
Website:
Info:

Burpee- Wendy M

Address: 1200 Jordan Ln NW Huntsville, AL 35816
Phone:
Website:
Info:

Housing Demographics for 35816

Population Review for 35816 Zip Code

For the city of Huntsville, the population within 35816 has increased to over 14,529 residents in population size. The current population total is 15,035. We have broken down the population based on race below. In 35816, there are over 7400 in male population and 7635 females.

PopulationValues
Total Population15,035
White Population3971
Black Population9022
Hispanic Population1053
Asian Population409
Hawaiian Population29
Indian Population104
Other Population538
Male Population7400
Female Population7635
Population Estimate14529

Household Data for 35816

The average number of homes in 35816 is around 6,764, there are an average of 2.02 per household. The average house value according to local real estate values is around $91,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,764
Persons Per Household2.02
Average House Value$91,200
Income Per Household$29162
Median Age27.7
Median Age Male26.1
Median Age Female29.4
35816 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256/938
CityHuntsville
City Alias NameHUNTSVILLE
CountyMadison
County FIPS089
State FIPS01
Time Zone6
Day Light SavingY
MSA3440
PMSA
CSA290
CBSA26620
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHuntsville, AL
MSA_NameHuntsville, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses532
Number Of Employees6699
Business First Quarter Payroll77302
Business Annual Payroll342388
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population417593
CBSA Division Population0
Congressional District05
Congressional LandArea3677.31
Delivery Residential7193
Delivery Business787
Delivery Total7955
Preferred Last Line KeyY10632
Classification Code
Multi-County
CSA NameHuntsville-Decatur-Albertville, AL-TN
CBSA_DIV_Name
City State KeyY10632
Land Area5.064000
Water Area0.009000
City Alias Code
City Mixed CaseHuntsville
City Alias Mixed CaseHuntsville
Box Count0
SFDU2689
MFDU2857
State ANSI01
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number014240
Unique ZIP Name
SSA State County Code01440
Medicare CBSA Code26620
Medicare CBSA NameHuntsville, AL
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseMadison

Alabama Homeowners Insurance News & Information

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