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35950 Homeowners Insurance Quotes & Rates

Albertville residents living within the 7,677 homes available in the zip code of 35950 are shopping online to compare cheaper and more affordable Albertville, AL home insurance rates. In the great city of Albertville, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Alabama is around $1,137 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 35950 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 35950 home insurance rates today! Please give us a call now at 1-855-976-2656. For Albertville, AL Homeowners Insurance Quotes, Click to easily get started!

35950 Home Insurance Average Premiums

Local 35950 homeowners insurance quotes comparison

$887 /yr.

Shows Zip Code: 35950 lowest rates with discounts applied on average.

For the 35950, 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)
$887 /yr.
Average Coverage:$1137 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1437 /yr.

What is the average home insurance cost for a home in 35950?

  • • The average homeowners insurance premium paid annually for a home in 35950 is around $1137 per year.

What does it cost on average per month for home insurance in 35950?

  • • Homeowners in 35950 pay a monthly average cost per month around $95.00.

What kind of discount could I get if I combine my home and auto insurance together in 35950?

  • • Autoowners in 35950 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 Albertville area, check out other zip codes nearby 35950.
Review average rates in another zip code:
35950 homeowners insurance rates
35951 homeowners insurance rates

Home Replacement Cost Coverage in 35950

Average Building Cost Per Square Foot in 35950: $104

Location: Albertville, Alabama (Marshall County)

Average Square Footage in 35950: 1,166 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35950 before you start any project. Albertville 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 35950 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 35950 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,166 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 Albertville 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$1041,166$121,300
Additional Upgrades & Added Features$1301,166$151,625
Major Home Updates or Advancements$1561,166$181,950

It's important to understand that when you estimate your replacement cost of your home in the 35950 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 35950

Harris Dennis Insurance Agent

Address: 104 West Main Street Albertville, AL 35950
Phone: (256)878-9172
Website:

Best Home & Auto Insurance Agencies in 35950

Harris Dennis Insurance Agent

Address: 104 W Main St Albertville, AL 35950
Phone:
Website:
Info:

Dan Higdong Agency

Address: 6515 US-431 Albertville, AL 35950
Phone:
Website:
Info:

Alfa Insurance - Albertville

Address: 430 E McKinney Ave Albertville, AL 35950
Phone:
Website:
Info:

Nationwide Insurance Companies

Address: 8600 US-431 Albertville, AL 35950
Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
Start saving on car insurance today when you get a free online auto insurance quote or call (888)890-4630. Enjoy the ease of working with Nationwide for your auto insurance needs and our competitive auto insurance rates. car insurance, auto insurance, online auto insurance, auto insurance rates, car insurance quote

H S C Insurance Agency

Address: 916 Baltimore Ave Albertville, AL 35950
Phone:
Website:
Info:

Housing Demographics for 35950

Population Review for 35950 Zip Code

For the city of Albertville, the population within 35950 has increased to over 23,229 residents in population size. The current population total is 22,239. We have broken down the population based on race below. In 35950, there are over 10905 in male population and 11334 females.

PopulationValues
Total Population22,239
White Population14035
Black Population1000
Hispanic Population7280
Asian Population123
Hawaiian Population18
Indian Population569
Other Population4453
Male Population10905
Female Population11334
Population Estimate23229

Household Data for 35950

The average number of homes in 35950 is around 7,677, there are an average of 2.89 per household. The average house value according to local real estate values is around $121,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,677
Persons Per Household2.89
Average House Value$121,300
Income Per Household$49508
Median Age33.1
Median Age Male31.9
Median Age Female34.3
35950 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256
CityAlbertville
City Alias NameALBERTVILLE
CountyMarshall
County FIPS095
State FIPS01
Time Zone6
Day Light SavingY
MSA
PMSA
CSA290
CBSA10700
CBSA_DIV
CBSA_TypeMicro
CBSA_NameAlbertville, AL
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses494
Number Of Employees10732
Business First Quarter Payroll101415
Business Annual Payroll483837
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population93019
CBSA Division Population0
Congressional District04
Congressional LandArea8888.77
Delivery Residential8038
Delivery Business757
Delivery Total9888
Preferred Last Line KeyY10022
Classification Code
Multi-County
CSA NameHuntsville-Decatur-Albertville, AL-TN
CBSA_DIV_Name
City State KeyY10022
Land Area43.250000
Water Area0.102000
City Alias Code
City Mixed CaseAlbertville
City Alias Mixed CaseAlbertville
Box Count836
SFDU7341
MFDU459
State ANSI01
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number010120
Unique ZIP Name
SSA State County Code01470
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseMarshall

Alabama Homeowners Insurance News & Information

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    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]