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Home Insurance Rates in 36263

For homeowners shopping online in 36263, our insurance rates are very competitive for homeowners living in Graham, AL. Many homeowners based out of the great city of Graham have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Alabama licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 36263, simply click the "Get Multiple Quotes Now" button. Your 36263 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Graham, AL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

36263 Home Insurance Rating is: High!

If you live in 36263, you can easily save up to 40% off the average home insurance premium of $1166 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Graham can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 36263 today!

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36263 Home Insurance Average Premiums

Local 36263 homeowners insurance quotes comparison

$916 /yr.

Shows Zip Code: 36263 lowest rates with discounts applied on average.

For the 36263, 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)		$916 /yr.
Average Coverage:$1166 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1466 /yr.

What is the average home insurance cost for a home in 36263?

  • • The average homeowners insurance premium paid annually for a home in 36263 is around $1166 per year.

What does it cost on average per month for home insurance in 36263?

  • • Homeowners in 36263 pay a monthly average cost per month around $97.00.

What kind of discount could I get if I combine my home and auto insurance together in 36263?

  • • Autoowners in 36263 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 Graham area, check out other zip codes nearby 36263.
Review average rates in another zip code:
36263 homeowners insurance rates

Home Replacement Cost Coverage in 36263

Average Building Cost Per Square Foot in 36263: $104

Location: Graham, Alabama (Randolph County)

Average Square Footage in 36263: 1,111 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36263 before you start any project. Graham 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 36263 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 36263 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,111 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 Graham 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$1041,111$115,500
Additional Upgrades & Added Features$1301,111$144,375
Major Home Updates or Advancements$1561,111$173,250

It's important to understand that when you estimate your replacement cost of your home in the 36263 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 36263

Best Home & Auto Insurance Agencies in 36263

Housing Demographics for 36263

Population Review for 36263 Zip Code

For the city of Graham, the population within 36263 has increased to over 734 residents in population size. The current population total is 649. We have broken down the population based on race below. In 36263, there are over 296 in male population and 353 females.

PopulationValues
Total Population649
White Population547
Black Population49
Hispanic Population20
Asian Population0
Hawaiian Population0
Indian Population3
Other Population11
Male Population296
Female Population353
Population Estimate734

Household Data for 36263

The average number of homes in 36263 is around 254, there are an average of 2.56 per household. The average house value according to local real estate values is around $115,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode254
Persons Per Household2.56
Average House Value$115,500
Income Per Household$50455
Median Age40.8
Median Age Male39.0
Median Age Female41.8
36263 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code256
CityGraham
City Alias NameGRAHAM
CountyRandolph
County FIPS111
State FIPS01
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees11
Business First Quarter Payroll42
Business Annual Payroll187
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District03
Congressional LandArea7543.86
Delivery Residential287
Delivery Business4
Delivery Total324
Preferred Last Line KeyY10526
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY10526
Land Area24.042000
Water Area0.000000
City Alias Code
City Mixed CaseGraham
City Alias Mixed CaseGraham
Box Count27
SFDU287
MFDU0
State ANSI01
County ANSI111
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number013650
Unique ZIP Name
SSA State County Code01550
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseRandolph

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 […]