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36467 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 36467? There are over 4,068 occupied homes in the 36467 area. With a population size of 10,123, it's not uncommon for residence of Opp, 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 $1,095 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 36467 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: Opp, AL Home Insurance Rate Quotes

36467 Home Insurance Average Premiums

Local 36467 homeowners insurance quotes comparison

$845 /yr.

Shows Zip Code: 36467 lowest rates with discounts applied on average.

For the 36467, 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)
$845 /yr.
Average Coverage:$1095 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1395 /yr.

What is the average home insurance cost for a home in 36467?

  • • The average homeowners insurance premium paid annually for a home in 36467 is around $1095 per year.

What does it cost on average per month for home insurance in 36467?

  • • Homeowners in 36467 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 36467?

  • • Autoowners in 36467 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 Opp area, check out other zip codes nearby 36467.
Review average rates in another zip code:
36467 homeowners insurance rates

Home Replacement Cost Coverage in 36467

Average Building Cost Per Square Foot in 36467: $104

Location: Opp, Alabama (Covington County)

Average Square Footage in 36467: 913 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36467 before you start any project. Opp 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 36467 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 36467 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 913 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 Opp 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$104913$94,900
Additional Upgrades & Added Features$130913$118,625
Major Home Updates or Advancements$156913$142,350

It's important to understand that when you estimate your replacement cost of your home in the 36467 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 36467

Service Agency Inc

Address: 107 South Main Street Opp, AL 36467
Phone: (334)493-3555
Website:

Best Home & Auto Insurance Agencies in 36467

Alfa Insurance

Address: 505 W Cumming Ave Opp, AL 36467
Phone:
Website:
Info:

Ladner- Bruce W

Address: 802 U.S. 84 Opp, AL 36467
Phone:
Website:
Info:

Housing Demographics for 36467

Population Review for 36467 Zip Code

For the city of Opp, the population within 36467 has increased to over 10,351 residents in population size. The current population total is 10,123. We have broken down the population based on race below. In 36467, there are over 4806 in male population and 5317 females.

PopulationValues
Total Population10,123
White Population8258
Black Population1317
Hispanic Population177
Asian Population36
Hawaiian Population0
Indian Population47
Other Population65
Male Population4806
Female Population5317
Population Estimate10351

Household Data for 36467

The average number of homes in 36467 is around 4,068, there are an average of 2.40 per household. The average house value according to local real estate values is around $94,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,068
Persons Per Household2.40
Average House Value$94,900
Income Per Household$40734
Median Age44.4
Median Age Male43.2
Median Age Female45.3
36467 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code334
CityOpp
City Alias NameOPP
CountyCovington
County FIPS039
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 Businesses199
Number Of Employees2453
Business First Quarter Payroll18391
Business Annual Payroll80113
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 District02
Congressional LandArea10141.63
Delivery Residential4313
Delivery Business269
Delivery Total4902
Preferred Last Line KeyY10894
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY10894
Land Area158.282000
Water Area1.647000
City Alias Code
City Mixed CaseOpp
City Alias Mixed CaseOpp
Box Count220
SFDU3948
MFDU118
State ANSI01
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number016170
Unique ZIP Name
SSA State County Code01190
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseCovington

Alabama Homeowners Insurance News & Information

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]