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Are you paying too much for homeowners insurance in 36604? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Mobile, AL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Alabama licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 36604?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 36604 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 36604 and get ready to save.

3 Easy Ways To Save Money In 36604

These three links will help you explore home insurance quotes in 36604 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 36604 Home Insurance Costs Rated: high!

The average price for a homeowners insurance policy in Mobile is roughly $1177. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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36604 Home Insurance Average Premiums

Local 36604 homeowners insurance quotes comparison

$927 /yr.

Shows Zip Code: 36604 lowest rates with discounts applied on average.

For the 36604, 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)
$927 /yr.
Average Coverage:$1177 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1477 /yr.

What is the average home insurance cost for a home in 36604?

  • • The average homeowners insurance premium paid annually for a home in 36604 is around $1177 per year.

What does it cost on average per month for home insurance in 36604?

  • • Homeowners in 36604 pay a monthly average cost per month around $98.00.

What kind of discount could I get if I combine my home and auto insurance together in 36604?

  • • Autoowners in 36604 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 Mobile area, check out other zip codes nearby 36604.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 36604

Average Building Cost Per Square Foot in 36604: $104

Location: Mobile, Alabama (Mobile County)

Average Square Footage in 36604: 1,743 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36604 before you start any project. Mobile 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 36604 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 36604 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,743 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 Mobile 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$1041,743$181,300
Additional Upgrades & Added Features$1301,743$226,625
Major Home Updates or Advancements$1561,743$271,950

It's important to understand that when you estimate your replacement cost of your home in the 36604 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 36604

Best Home & Auto Insurance Agencies in 36604

Housing Demographics for 36604

Population Review for 36604 Zip Code

For the city of Mobile, the population within 36604 has increased to over 9,689 residents in population size. The current population total is 8,798. We have broken down the population based on race below. In 36604, there are over 4280 in male population and 4518 females.

PopulationValues
Total Population8,798
White Population4846
Black Population3399
Hispanic Population234
Asian Population33
Hawaiian Population7
Indian Population32
Other Population64
Male Population4280
Female Population4518
Population Estimate9689

Household Data for 36604

The average number of homes in 36604 is around 3,964, there are an average of 2.16 per household. The average house value according to local real estate values is around $181,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,964
Persons Per Household2.16
Average House Value$181,300
Income Per Household$49927
Median Age40.2
Median Age Male39.3
Median Age Female41.5
36604 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code251
CityMobile
City Alias NameMOBILE
CountyMobile
County FIPS097
State FIPS01
Time Zone6
Day Light SavingY
MSA5160
PMSA
CSA380
CBSA33660
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMobile, AL
MSA_NameMobile, AL MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses253
Number Of Employees3401
Business First Quarter Payroll37834
Business Annual Payroll166874
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population412992
CBSA Division Population0
Congressional District01
Congressional LandArea6066.83
Delivery Residential4486
Delivery Business333
Delivery Total5125
Preferred Last Line KeyY10807
Classification Code
Multi-County
CSA NameMobile-Daphne-Fairhope, AL
CBSA_DIV_Name
City State KeyY10807
Land Area2.598000
Water Area0.000000
City Alias Code
City Mixed CaseMobile
City Alias Mixed CaseMobile
Box Count0
SFDU3805
MFDU645
State ANSI01
County ANSI097
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number015600
Unique ZIP Name
SSA State County Code01480
Medicare CBSA Code33660
Medicare CBSA NameMobile, AL
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseMobile

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 […]