Home Insurance in 36609

Our rates are very competitive for homeowners living in the 36609 zip code. Many homeowners based out of Mobile, AL have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our AL licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 36609 should appear in the zip code field ready to go.

36609 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Mobile area? The average homeowners premium in 36609 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 36609, you can expect to pay around $1179 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 36609

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Alabama. Start your 36609 home insurance shopping today!

Mobile, AL Home Insurance Quotes

36609 Home Insurance Average Premiums

Local 36609 homeowners insurance quotes comparison

$929 /yr.

Shows Zip Code: 36609 lowest rates with discounts applied on average.

For the 36609, 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)	$929 /yr.
Average Coverage:	$1179 /yr.
2600 sq. ft. or higher (all discounts applied)	$1479 /yr.

What is the average home insurance cost for a home in 36609?

• The average homeowners insurance premium paid annually for a home in 36609 is around $1179 per year.

What does it cost on average per month for home insurance in 36609?

• Homeowners in 36609 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 36609?

• Autoowners in 36609 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 36609.
Review average rates in another zip code:
36608 homeowners insurance rates
36602 homeowners insurance rates
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36615 homeowners insurance rates
36612 homeowners insurance rates
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36605 homeowners insurance rates
36619 homeowners insurance rates
36611 homeowners insurance rates

Home Replacement Cost Coverage in 36609

Average Building Cost Per Square Foot in 36609: $104

Location: Mobile, Alabama (Mobile County)

Average Square Footage in 36609: 1,572 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36609 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 36609 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 36609 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,572 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$104	1,572	$163,500
Additional Upgrades & Added Features	$130	1,572	$204,375
Major Home Updates or Advancements	$156	1,572	$245,250

Calculate Your Dwelling Coverage in 36609

It's important to understand that when you estimate your replacement cost of your home in the 36609 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 Home & Auto Insurance Agencies in 36609

A C E Underwriters

Address: 800 Downtowner Blvd Mobile, AL 36609
Phone:
Website: http://www.aceunderwriters.com
Info:

Ball Ray A Jr

Address: 1110 Montlimar Dr Mobile, AL 36609
Phone:
Website:
Info:

Lisa Young Watson Agency Inc

Address: 1015 Montlimar Dr Mobile, AL 36609
Phone:
Website:
Info:

DavidMerriamAgency.com

Address: 574 Azalea Rd, #103 Mobile, AL 36609
Phone:
Website: http://www.davidmerriamagency.com
Info:

Allstate Insurance Companies - Claims- Mobile

Address: 1141 Montlimar Dr, #1000 Mobile, AL 36609
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 36609

Population Review for 36609 Zip Code

For the city of Mobile, the population within 36609 has increased to over 25,335 residents in population size. The current population total is 24,265. We have broken down the population based on race below. In 36609, there are over 10934 in male population and 13331 females.

Population	Values
Total Population	24,265
White Population	11232
Black Population	10136
Hispanic Population	1108
Asian Population	990
Hawaiian Population	32
Indian Population	92
Other Population	498
Male Population	10934
Female Population	13331
Population Estimate	25335

Household Data for 36609

The average number of homes in 36609 is around 10,844, there are an average of 2.23 per household. The average house value according to local real estate values is around $163,500. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	10,844
Persons Per Household	2.23
Average House Value	$163,500
Income Per Household	$41851
Median Age	35.1
Median Age Male	33.5
Median Age Female	36.1

36609 Details	Values
State	AL
State Full Name	Alabama
City Type	P
City Alias Abbreviation
Area Code	251
City	Mobile
City Alias Name	MOBILE
County	Mobile
County FIPS	097
State FIPS	01
Time Zone	6
Day Light Saving	Y
MSA	5160
PMSA
CSA	380
CBSA	33660
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Mobile, AL
MSA_Name	Mobile, AL MSA
PMSA_Name
Region	South
Division	East South Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	769
Number Of Employees	10428
Business First Quarter Payroll	106424
Business Annual Payroll	463815
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	412992
CBSA Division Population	0
Congressional District	01
Congressional LandArea	6066.83
Delivery Residential	11361
Delivery Business	992
Delivery Total	13198
Preferred Last Line Key	Y10807
Classification Code
Multi-County
CSA Name	Mobile-Daphne-Fairhope, AL
CBSA_DIV_Name
City State Key	Y10807
Land Area	6.701000
Water Area	0.010000
City Alias Code
City Mixed Case	Mobile
City Alias Mixed Case	Mobile
Box Count	0
SFDU	6320
MFDU	4814
State ANSI	01
County ANSI	097
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	015600
Unique ZIP Name
SSA State County Code	01480
Medicare CBSA Code	33660
Medicare CBSA Name	Mobile, AL
Medicare CBSA Type	Metro
Market Rating Area ID	10
County Mixed Case	Mobile

Alabama Homeowners Insurance News & Information

$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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

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