Get multiple home insurance quotes in 36688. Our licensed 36688, AL agents are ready to serve you.

Compare 36688 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 36688 area? The average homeowners premium in Alabama for a standard homeowners policy is around $1,071/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 36688 zip code, the population size is around 2,192 with 69 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 36688.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Mobile, AL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. AL RateDiscountsSavingsShop Rates
$1,501up to 40% off$600

36688 Home Insurance Average Premiums

Local 36688 homeowners insurance quotes comparison

$821 /yr.

Shows Zip Code: 36688 lowest rates with discounts applied on average.

For the 36688, 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)
$821 /yr.
Average Coverage:$1071 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1371 /yr.

What is the average home insurance cost for a home in 36688?

  • • The average homeowners insurance premium paid annually for a home in 36688 is around $1071 per year.

What does it cost on average per month for home insurance in 36688?

  • • Homeowners in 36688 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 36688?

  • • Autoowners in 36688 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 36688.
Review average rates in another zip code:
36608 homeowners insurance rates
36610 homeowners insurance rates
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36695 homeowners insurance rates

Home Replacement Cost Coverage in 36688

Average Building Cost Per Square Foot in 36688: $104

Location: Mobile, Alabama (Mobile County)

Average Square Footage in 36688: 1,587 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36688 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 36688 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 36688 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,587 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$1041,587$165,000
Additional Upgrades & Added Features$1301,587$206,250
Major Home Updates or Advancements$1561,587$247,500

It's important to understand that when you estimate your replacement cost of your home in the 36688 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 36688

Best Home & Auto Insurance Agencies in 36688

Housing Demographics for 36688

Population Review for 36688 Zip Code

For the city of Mobile, the population within 36688 has increased to over 0 residents in population size. The current population total is 2,192. We have broken down the population based on race below. In 36688, there are over 758 in male population and 1434 females.

PopulationValues
Total Population2,192
White Population1610
Black Population369
Hispanic Population219
Asian Population162
Hawaiian Population0
Indian Population0
Other Population38
Male Population758
Female Population1434
Population Estimate0

Household Data for 36688

The average number of homes in 36688 is around 69, there are an average of 1.77 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode69
Persons Per Household1.77
Average House Value$165,000
Income Per Household$5761
Median Age22.2
Median Age Male23.0
Median Age Female21.8
36688 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 Businesses6
Number Of Employees195
Business First Quarter Payroll2101
Business Annual Payroll9164
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 Residential0
Delivery Business1
Delivery Total1
Preferred Last Line KeyY10807
Classification CodeU
Multi-County
CSA NameMobile-Daphne-Fairhope, AL
CBSA_DIV_Name
City State KeyY10807
Land Area0.972000
Water Area0.000000
City Alias CodeUP
City Mixed CaseMobile
City Alias Mixed CaseMobile
Box Count0
SFDU0
MFDU0
State ANSI01
County ANSI097
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
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

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    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 […]