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36530 Home Insurance Rates & Premiums

Did you know there are over 8,375 people living within the 36530 zip code area? There are over 3,375 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 36530.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Alabama are on the rise. The estimated average premium is around $1,066 a year for a standard homeowners insurance policy in Elberta. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Elberta, AL Homeowners Insurance Quotes Online

36530 Home Insurance Average Premiums

Local 36530 homeowners insurance quotes comparison

$816 /yr.

Shows Zip Code: 36530 lowest rates with discounts applied on average.

For the 36530, 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)		$816 /yr.
Average Coverage:$1066 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1366 /yr.

What is the average home insurance cost for a home in 36530?

  • • The average homeowners insurance premium paid annually for a home in 36530 is around $1066 per year.

What does it cost on average per month for home insurance in 36530?

  • • Homeowners in 36530 pay a monthly average cost per month around $89.00.

What kind of discount could I get if I combine my home and auto insurance together in 36530?

  • • Autoowners in 36530 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 Elberta area, check out other zip codes nearby 36530.
Review average rates in another zip code:
36530 homeowners insurance rates

Home Replacement Cost Coverage in 36530

Average Building Cost Per Square Foot in 36530: $104

Location: Elberta, Alabama (Baldwin County)

Average Square Footage in 36530: 1,776 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36530 before you start any project. Elberta 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 36530 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 36530 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,776 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 Elberta 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$1041,776$184,700
Additional Upgrades & Added Features$1301,776$230,875
Major Home Updates or Advancements$1561,776$277,050

It's important to understand that when you estimate your replacement cost of your home in the 36530 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 36530

Best Home & Auto Insurance Agencies in 36530

Housing Demographics for 36530

Population Review for 36530 Zip Code

For the city of Elberta, the population within 36530 has increased to over 10,165 residents in population size. The current population total is 8,375. We have broken down the population based on race below. In 36530, there are over 4214 in male population and 4161 females.

PopulationValues
Total Population8,375
White Population7439
Black Population94
Hispanic Population366
Asian Population28
Hawaiian Population9
Indian Population74
Other Population179
Male Population4214
Female Population4161
Population Estimate10165

Household Data for 36530

The average number of homes in 36530 is around 3,375, there are an average of 2.48 per household. The average house value according to local real estate values is around $184,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,375
Persons Per Household2.48
Average House Value$184,700
Income Per Household$50905
Median Age46.5
Median Age Male45.5
Median Age Female47.7
36530 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code251
CityElberta
City Alias NameELBERTA
CountyBaldwin
County FIPS003
State FIPS01
Time Zone6
Day Light SavingY
MSA5160
PMSA
CSA380
CBSA19300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDaphne-Fairhope-Foley, AL
MSA_NameMobile, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses129
Number Of Employees651
Business First Quarter Payroll5137
Business Annual Payroll27179
Business Employment Flag
Growth Rank98
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number4452
Growth Increase Percentage2.4
Metropolitan DetailsValues
CBSA Population182265
CBSA Division Population0
Congressional District01
Congressional LandArea6066.83
Delivery Residential4099
Delivery Business83
Delivery Total4476
Preferred Last Line KeyY10377
Classification Code
Multi-County
CSA NameMobile-Daphne-Fairhope, AL
CBSA_DIV_Name
City State KeyY10377
Land Area95.613000
Water Area6.782000
City Alias Code
City Mixed CaseElberta
City Alias Mixed CaseElberta
Box Count227
SFDU3576
MFDU0
State ANSI01
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number012690
Unique ZIP Name
SSA State County Code01010
Medicare CBSA Code19300
Medicare CBSA NameDaphne-Fairhope-Foley, AL
Medicare CBSA TypeMetro
Market Rating Area ID13
County Mixed CaseBaldwin

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 […]