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Quickly Revew Homeowners Insurance in 35967

If you own a home in Fort Payne, AL you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 35967 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Alabama licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 35967 and start comparing rates now.

35967 Homeowners Insurance Rates Are Considered: high!

The average rate for a standard homeowners policy in 35967 is $1147 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 35967 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Fort Payne, AL home insurance quotes in your local city and review the most competitive coverages and premiums.

35967 Home Insurance Average Premiums

Local 35967 homeowners insurance quotes comparison

$897 /yr.

Shows Zip Code: 35967 lowest rates with discounts applied on average.

For the 35967, 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)
$897 /yr.
Average Coverage:$1147 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1447 /yr.

What is the average home insurance cost for a home in 35967?

  • • The average homeowners insurance premium paid annually for a home in 35967 is around $1147 per year.

What does it cost on average per month for home insurance in 35967?

  • • Homeowners in 35967 pay a monthly average cost per month around $96.00.

What kind of discount could I get if I combine my home and auto insurance together in 35967?

  • • Autoowners in 35967 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 Fort Payne area, check out other zip codes nearby 35967.
Review average rates in another zip code:
35967 homeowners insurance rates
35968 homeowners insurance rates

Home Replacement Cost Coverage in 35967

Average Building Cost Per Square Foot in 35967: $104

Location: Fort Payne, Alabama (De Kalb County)

Average Square Footage in 35967: 1,177 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 35967 before you start any project. Fort Payne 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 35967 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 35967 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,177 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 Fort Payne 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$1041,177$122,400
Additional Upgrades & Added Features$1301,177$153,000
Major Home Updates or Advancements$1561,177$183,600

It's important to understand that when you estimate your replacement cost of your home in the 35967 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 35967

Morris L. Davis Agency

Address: 2121 Gault Ave N Fort Payne, AL 35967
Phone: (256)845-5116
Website:

Hilb Rogal & Hamilton Co

Address: 2201 Gault Ave N Ste G Fort Payne, AL 35967
Phone: (256)845-2065
Website:

Insurance Associates

Address: 1829 Gault Avenue North Fort Payne, AL 35967
Phone: (256)845-6262
Website:

Best Home & Auto Insurance Agencies in 35967

Hilb Rogal & Hamilton Co

Address: 2201 Gault Ave N Fort Payne, AL 35967
Phone:
Website:
Info:

Alfa Insurance - Fort Payne

Address: 907 Grand Ave SW Fort Payne, AL 35967
Phone:
Website: http://www.alfains.com
Info: Alfa Insurance Home Page

Morris L. Davis Agency

Address: 2121 Gault Ave N Fort Payne, AL 35967
Phone:
Website:
Info:

M Chris Kuykendall Ins Agcyinc

Address: 1827 Gault Ave N Fort Payne, AL 35967
Phone:
Website:
Info:

Dunne- Patrick A - State Farm Insurance Agent

Address: 312 Grand Ave SW Fort Payne, AL 35967
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 35967

Population Review for 35967 Zip Code

For the city of Fort Payne, the population within 35967 has increased to over 18,009 residents in population size. The current population total is 17,233. We have broken down the population based on race below. In 35967, there are over 8386 in male population and 8847 females.

PopulationValues
Total Population17,233
White Population12468
Black Population446
Hispanic Population3676
Asian Population120
Hawaiian Population8
Indian Population918
Other Population2118
Male Population8386
Female Population8847
Population Estimate18009

Household Data for 35967

The average number of homes in 35967 is around 6,517, there are an average of 2.62 per household. The average house value according to local real estate values is around $122,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,517
Persons Per Household2.62
Average House Value$122,400
Income Per Household$44027
Median Age37.7
Median Age Male36.2
Median Age Female39.0
35967 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256/938
CityFort Payne
City Alias NameFORT PAYNE
CountyDe Kalb
County FIPS049
State FIPS01
Time Zone6
Day Light SavingY
MSA
PMSA
CSA290
CBSA22840
CBSA_DIV
CBSA_TypeMicro
CBSA_NameFort Payne, AL
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses427
Number Of Employees7257
Business First Quarter Payroll85715
Business Annual Payroll350258
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population71109
CBSA Division Population0
Congressional District03|04
Congressional LandArea7543.86|8888.77
Delivery Residential6874
Delivery Business699
Delivery Total7569
Preferred Last Line KeyY10459
Classification Code
Multi-CountyY
CSA NameHuntsville-Decatur-Albertville, AL-TN
CBSA_DIV_Name
City State KeyY10459
Land Area127.029000
Water Area0.319000
City Alias Code
City Mixed CaseFort Payne
City Alias Mixed CaseFort Payne
Box Count0
SFDU5935
MFDU234
State ANSI01
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number013180
Unique ZIP Name
SSA State County Code01240
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseDe Kalb

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 […]