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36576 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 36576? There are over 1,968 occupied homes in the 36576 area. With a population size of 5,228, it's not uncommon for residence of Silverhill, 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 $1,105 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 36576 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: Silverhill, AL Home Insurance Rate Quotes

36576 Home Insurance Average Premiums

Local 36576 homeowners insurance quotes comparison

$855 /yr.

Shows Zip Code: 36576 lowest rates with discounts applied on average.

For the 36576, 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)		$855 /yr.
Average Coverage:$1105 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1405 /yr.

What is the average home insurance cost for a home in 36576?

  • • The average homeowners insurance premium paid annually for a home in 36576 is around $1105 per year.

What does it cost on average per month for home insurance in 36576?

  • • Homeowners in 36576 pay a monthly average cost per month around $92.00.

What kind of discount could I get if I combine my home and auto insurance together in 36576?

  • • Autoowners in 36576 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 Silverhill area, check out other zip codes nearby 36576.
Review average rates in another zip code:
36576 homeowners insurance rates

Home Replacement Cost Coverage in 36576

Average Building Cost Per Square Foot in 36576: $104

Location: Silverhill, Alabama (Baldwin County)

Average Square Footage in 36576: 1,841 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36576 before you start any project. Silverhill 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 36576 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 36576 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,841 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 Silverhill 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$1041,841$191,500
Additional Upgrades & Added Features$1301,841$239,375
Major Home Updates or Advancements$1561,841$287,250

It's important to understand that when you estimate your replacement cost of your home in the 36576 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 36576

Best Home & Auto Insurance Agencies in 36576

Housing Demographics for 36576

Population Review for 36576 Zip Code

For the city of Silverhill, the population within 36576 has increased to over 5,833 residents in population size. The current population total is 5,228. We have broken down the population based on race below. In 36576, there are over 2581 in male population and 2647 females.

PopulationValues
Total Population5,228
White Population4240
Black Population183
Hispanic Population579
Asian Population43
Hawaiian Population3
Indian Population38
Other Population372
Male Population2581
Female Population2647
Population Estimate5833

Household Data for 36576

The average number of homes in 36576 is around 1,968, there are an average of 2.66 per household. The average house value according to local real estate values is around $191,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,968
Persons Per Household2.66
Average House Value$191,500
Income Per Household$60063
Median Age39.6
Median Age Male38.5
Median Age Female40.6
36576 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code251
CitySilverhill
City Alias NameSILVERHILL
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 Businesses80
Number Of Employees296
Business First Quarter Payroll2139
Business Annual Payroll10364
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 Residential2193
Delivery Business16
Delivery Total3566
Preferred Last Line KeyY11095
Classification Code
Multi-County
CSA NameMobile-Daphne-Fairhope, AL
CBSA_DIV_Name
City State KeyY11095
Land Area19.500000
Water Area0.058000
City Alias Code
City Mixed CaseSilverhill
City Alias Mixed CaseSilverhill
Box Count371
SFDU2020
MFDU0
State ANSI01
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number017560
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 […]