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36618 Home Insurance Quotes & Rates

Currently, the 6,552 homes within the 36618 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Alabama is around $1,094 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Mobile, AL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 36618.

Alabama is now ranking #11 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Mobile home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Alabama has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 36618 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Mobile, Alabama home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Mobile, AL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

36618 Home Insurance Average Premiums

Local 36618 homeowners insurance quotes comparison

$844 /yr.

Shows Zip Code: 36618 lowest rates with discounts applied on average.

For the 36618, 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)
$844 /yr.
Average Coverage:$1094 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1394 /yr.

What is the average home insurance cost for a home in 36618?

  • • The average homeowners insurance premium paid annually for a home in 36618 is around $1094 per year.

What does it cost on average per month for home insurance in 36618?

  • • Homeowners in 36618 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 36618?

  • • Autoowners in 36618 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 36618.
Review average rates in another zip code:
36604 homeowners insurance rates
36611 homeowners insurance rates
36618 homeowners insurance rates
36608 homeowners insurance rates
36610 homeowners insurance rates
36612 homeowners insurance rates
36688 homeowners insurance rates
36607 homeowners insurance rates
36695 homeowners insurance rates
36606 homeowners insurance rates

Home Replacement Cost Coverage in 36618

Average Building Cost Per Square Foot in 36618: $104

Location: Mobile, Alabama (Mobile County)

Average Square Footage in 36618: 1,122 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36618 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 36618 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 36618 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,122 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$1041,122$116,700
Additional Upgrades & Added Features$1301,122$145,875
Major Home Updates or Advancements$1561,122$175,050

It's important to understand that when you estimate your replacement cost of your home in the 36618 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 36618

Best Home & Auto Insurance Agencies in 36618

Breedlove- Tommy G

Address: 6700 Moffett Rd Mobile, AL 36618
Phone:
Website:
Info:

State Farm Insurance Companies

Address: 7788 Moffat Rd Mobile, AL 36618
Phone:
Website:
Info:

Housing Demographics for 36618

Population Review for 36618 Zip Code

For the city of Mobile, the population within 36618 has increased to over 18,502 residents in population size. The current population total is 17,425. We have broken down the population based on race below. In 36618, there are over 8119 in male population and 9306 females.

PopulationValues
Total Population17,425
White Population5335
Black Population11026
Hispanic Population426
Asian Population100
Hawaiian Population1
Indian Population53
Other Population256
Male Population8119
Female Population9306
Population Estimate18502

Household Data for 36618

The average number of homes in 36618 is around 6,552, there are an average of 2.65 per household. The average house value according to local real estate values is around $116,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,552
Persons Per Household2.65
Average House Value$116,700
Income Per Household$46800
Median Age39.0
Median Age Male37.5
Median Age Female40.0
36618 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 Businesses235
Number Of Employees2497
Business First Quarter Payroll20075
Business Annual Payroll90340
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 Residential6982
Delivery Business328
Delivery Total7649
Preferred Last Line KeyY10807
Classification Code
Multi-County
CSA NameMobile-Daphne-Fairhope, AL
CBSA_DIV_Name
City State KeyY10807
Land Area15.939000
Water Area0.042000
City Alias Code
City Mixed CaseMobile
City Alias Mixed CaseMobile
Box Count212
SFDU6420
MFDU437
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 […]