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Quickly Revew Homeowners Insurance in 36904

If you own a home in Butler, AL you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 36904 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Alabama licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 36904 and start comparing rates now.

36904 Homeowners Insurance Rates Are Considered: high!

The average rate for a standard homeowners policy in 36904 is $1155 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 36904 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Butler, AL home insurance quotes in your local city and review the most competitive coverages and premiums.

36904 Home Insurance Average Premiums

Local 36904 homeowners insurance quotes comparison

$905 /yr.

Shows Zip Code: 36904 lowest rates with discounts applied on average.

For the 36904, 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)
$905 /yr.
Average Coverage:$1155 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1455 /yr.

What is the average home insurance cost for a home in 36904?

  • • The average homeowners insurance premium paid annually for a home in 36904 is around $1155 per year.

What does it cost on average per month for home insurance in 36904?

  • • Homeowners in 36904 pay a monthly average cost per month around $96.00.

What kind of discount could I get if I combine my home and auto insurance together in 36904?

  • • Autoowners in 36904 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 Butler area, check out other zip codes nearby 36904.
Review average rates in another zip code:
36904 homeowners insurance rates

Home Replacement Cost Coverage in 36904

Average Building Cost Per Square Foot in 36904: $104

Location: Butler, Alabama (Choctaw County)

Average Square Footage in 36904: 963 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 36904 before you start any project. Butler 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 36904 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 36904 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 963 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 Butler 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$104963$100,100
Additional Upgrades & Added Features$130963$125,125
Major Home Updates or Advancements$156963$150,150

It's important to understand that when you estimate your replacement cost of your home in the 36904 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 36904

Best Home & Auto Insurance Agencies in 36904

State Farm Insurance Companies Agents - Eddie Pope

Address: 128 S Mulberry Ave Butler, AL 36904
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Farmers Insurance Company

Address: 106 S Mulberry Ave Butler, AL 36904
Phone:
Website:
Info:

Allstate Auto Insurance

Address: 309 E Pushmataha St Butler, AL 36904
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 36904

Population Review for 36904 Zip Code

For the city of Butler, the population within 36904 has increased to over 3,704 residents in population size. The current population total is 3,755. We have broken down the population based on race below. In 36904, there are over 1779 in male population and 1976 females.

PopulationValues
Total Population3,755
White Population2202
Black Population1431
Hispanic Population52
Asian Population19
Hawaiian Population0
Indian Population8
Other Population28
Male Population1779
Female Population1976
Population Estimate3704

Household Data for 36904

The average number of homes in 36904 is around 1,722, there are an average of 2.14 per household. The average house value according to local real estate values is around $100,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,722
Persons Per Household2.14
Average House Value$100,100
Income Per Household$37898
Median Age47.4
Median Age Male44.3
Median Age Female49.2
36904 DetailsValues
StateAL
State Full NameAlabama
City TypeP
City Alias Abbreviation
Area Code205
CityButler
City Alias NameBUTLER
CountyChoctaw
County FIPS023
State FIPS01
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses123
Number Of Employees1008
Business First Quarter Payroll8134
Business Annual Payroll34815
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District07
Congressional LandArea10156.13
Delivery Residential1731
Delivery Business188
Delivery Total2249
Preferred Last Line KeyY10175
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY10175
Land Area230.867000
Water Area0.906000
City Alias Code
City Mixed CaseButler
City Alias Mixed CaseButler
Box Count259
SFDU1514
MFDU48
State ANSI01
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number011280
Unique ZIP Name
SSA State County Code01110
Medicare CBSA Code99901
Medicare CBSA NameRural Areas in AL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseChoctaw

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 […]