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Home Insurance in 36318

If your primary reason for shopping for homeowners insurance in the 36318 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Coffee Springs, AL. Many homeowners that live in the 36318 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Alabama licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 36318 zip code should already appear in the zip code field ready to go. For Coffee Springs, AL Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 36318

Homeowners living in the city of Coffee Springs are paying on average around $1153 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 36318 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Alabama home insurance premiums have been recently ranked 11 in the country in terms of the annual cost of premiums. Because premiums in 36318 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 36318 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Coffee Springs. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

36318 Home Insurance Average Premiums

Local 36318 homeowners insurance quotes comparison

$903 /yr.

Shows Zip Code: 36318 lowest rates with discounts applied on average.

For the 36318, 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)
$903 /yr.
Average Coverage:$1153 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1453 /yr.

What is the average home insurance cost for a home in 36318?

  • • The average homeowners insurance premium paid annually for a home in 36318 is around $1153 per year.

What does it cost on average per month for home insurance in 36318?

  • • Homeowners in 36318 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 36318?

  • • Autoowners in 36318 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 Coffee Springs area, check out other zip codes nearby 36318.
Review average rates in another zip code:
36318 homeowners insurance rates

Home Replacement Cost Coverage in 36318

Average Building Cost Per Square Foot in 36318: $104

Location: Coffee Springs, Alabama (Geneva County)

Average Square Footage in 36318: 1,025 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36318 before you start any project. Coffee Springs 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 36318 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 36318 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,025 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 Coffee Springs 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$1041,025$106,600
Additional Upgrades & Added Features$1301,025$133,250
Major Home Updates or Advancements$1561,025$159,900

It's important to understand that when you estimate your replacement cost of your home in the 36318 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 36318

Best Home & Auto Insurance Agencies in 36318

Housing Demographics for 36318

Population Review for 36318 Zip Code

For the city of Coffee Springs, the population within 36318 has increased to over 1,632 residents in population size. The current population total is 1,320. We have broken down the population based on race below. In 36318, there are over 663 in male population and 657 females.

PopulationValues
Total Population1,320
White Population1206
Black Population17
Hispanic Population39
Asian Population3
Hawaiian Population0
Indian Population6
Other Population16
Male Population663
Female Population657
Population Estimate1632

Household Data for 36318

The average number of homes in 36318 is around 503, there are an average of 2.62 per household. The average house value according to local real estate values is around $106,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode503
Persons Per Household2.62
Average House Value$106,600
Income Per Household$54063
Median Age46.0
Median Age Male42.6
Median Age Female48.1
36318 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias AbbreviationCOFFEE SPGS
Area Code334
CityCoffee Springs
City Alias NameCOFFEE SPRINGS
CountyGeneva
County FIPS061
State FIPS01
Time Zone6
Day Light SavingY
MSA
PMSA
CSA222
CBSA20020
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDothan, AL
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees10
Business First Quarter Payroll52
Business Annual Payroll244
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population145639
CBSA Division Population0
Congressional District02
Congressional LandArea10141.63
Delivery Residential623
Delivery Business6
Delivery Total674
Preferred Last Line KeyY10250
Classification Code
Multi-CountyY
CSA NameDothan-Enterprise-Ozark, AL
CBSA_DIV_Name
City State KeyY10250
Land Area47.244000
Water Area0.188000
City Alias Code
City Mixed CaseCoffee Springs
City Alias Mixed CaseCoffee Springs
Box Count42
SFDU623
MFDU0
State ANSI01
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number011910
Unique ZIP Name
SSA State County Code01300
Medicare CBSA Code20020
Medicare CBSA NameDothan, AL
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseGeneva

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 […]