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35953 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 35953? There are over 2,992 occupied homes in the 35953 area. With a population size of 7,705, it's not uncommon for residence of Ashville, AL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Alabama is around $1,091 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 35953 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Ashville, AL Home Insurance Rate Quotes

35953 Home Insurance Average Premiums

Local 35953 homeowners insurance quotes comparison

$841 /yr.

Shows Zip Code: 35953 lowest rates with discounts applied on average.

For the 35953, 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)
$841 /yr.
Average Coverage:$1091 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1391 /yr.

What is the average home insurance cost for a home in 35953?

  • • The average homeowners insurance premium paid annually for a home in 35953 is around $1091 per year.

What does it cost on average per month for home insurance in 35953?

  • • Homeowners in 35953 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 35953?

  • • Autoowners in 35953 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 Ashville area, check out other zip codes nearby 35953.
Review average rates in another zip code:
35953 homeowners insurance rates

Home Replacement Cost Coverage in 35953

Average Building Cost Per Square Foot in 35953: $104

Location: Ashville, Alabama (Saint Clair County)

Average Square Footage in 35953: 1,455 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35953 before you start any project. Ashville 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 35953 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 35953 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,455 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 Ashville 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$1041,455$151,300
Additional Upgrades & Added Features$1301,455$189,125
Major Home Updates or Advancements$1561,455$226,950

It's important to understand that when you estimate your replacement cost of your home in the 35953 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 35953

Best Home & Auto Insurance Agencies in 35953

Alfa Insurance - Ashville

Address: 32775 US-231 Ashville, AL 35953
Phone:
Website:
Info:

Housing Demographics for 35953

Population Review for 35953 Zip Code

For the city of Ashville, the population within 35953 has increased to over 7,519 residents in population size. The current population total is 7,705. We have broken down the population based on race below. In 35953, there are over 3890 in male population and 3815 females.

PopulationValues
Total Population7,705
White Population6564
Black Population591
Hispanic Population210
Asian Population31
Hawaiian Population5
Indian Population54
Other Population105
Male Population3890
Female Population3815
Population Estimate7519

Household Data for 35953

The average number of homes in 35953 is around 2,992, there are an average of 2.52 per household. The average house value according to local real estate values is around $151,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,992
Persons Per Household2.52
Average House Value$151,300
Income Per Household$53657
Median Age43.4
Median Age Male41.2
Median Age Female45.3
35953 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code205/659
CityAshville
City Alias NameASHVILLE
CountySaint Clair
County FIPS115
State FIPS01
Time Zone6
Day Light SavingY
MSA1000
PMSA
CSA142
CBSA13820
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBirmingham, AL
MSA_NameBirmingham, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses103
Number Of Employees624
Business First Quarter Payroll4815
Business Annual Payroll21213
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1128047
CBSA Division Population0
Congressional District03
Congressional LandArea7543.86
Delivery Residential2984
Delivery Business104
Delivery Total3736
Preferred Last Line KeyY10055
Classification Code
Multi-County
CSA NameBirmingham-Cullman-Talladega, AL
CBSA_DIV_Name
City State KeyY10055
Land Area128.860000
Water Area4.803000
City Alias Code
City Mixed CaseAshville
City Alias Mixed CaseAshville
Box Count363
SFDU2967
MFDU0
State ANSI01
County ANSI115
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number010410
Unique ZIP Name
SSA State County Code01570
Medicare CBSA Code13820
Medicare CBSA NameBirmingham-Hoover, AL
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseSaint Clair

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 […]