Home and auto insurance in Atmore, AL
The 36502 ZIP covers Atmore and the countryside around it; more than 9 in 10 acres of it lie outside the city limits. Nearly 1 in 4 homes here is a manufactured home, and 36% of households rent.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Home and auto bundled when it saves you money
Atmore by the numbers
The homes here, and what that means for coverage
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates, ZIP code 36502.
Manufactured homes are written differently
Nearly 1 in 4 homes in this ZIP is a manufactured home. Carriers usually insure them on a policy or endorsement made for manufactured homes, and the year built matters. Homes built before June 15, 1976 predate the federal HUD construction code, and some carriers won't write them. Have the HUD label number handy when you call.
Rebuild cost runs well above market value
The median home here is valued at $139,000, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Escambia County comes to about $299,000. Insuring to market value would leave you short after a total loss. Set the dwelling limit from rebuild cost.
Homes from the 1960s and 1970s: ask about the wiring
About 3 in 10 homes here were built in the 1960s and 1970s. Aluminum branch wiring went into some homes built from 1965 to 1973, and carriers ask about it because the connections can overheat. If your house has it, tell us whether it's been repaired or replaced, and when.
Renters need their own policy
More than 1 in 3 households here rents. Your landlord's policy covers the building only. A renters policy covers your belongings and your liability if a guest gets hurt, and it pays for a place to stay if a covered loss makes your home unlivable.
Free tool
What would your Atmore home cost to rebuild?
Our calculator uses Escambia County construction costs. Enter your square footage and finish level and check the result against Coverage A on your policy.
Run the rebuild calculatorAuto in Alabama
State minimum: 25/50/25
That's $25,000 per person and $50,000 per accident for injuries you cause, and $25,000 for property damage. Most households need more. Our guideline is liability equal to 2.5 times household income or net worth, whichever is greater.
Every Alabama auto policy includes uninsured motorist coverage unless the named insured rejects it, and a rejection carries over to renewals with the same insurer until you ask for the coverage in writing. It also pays when the at-fault driver's limits are too low to pay for your injuries. On one policy covering several cars, your recovery can include the coverage for up to two additional vehicles.
Find your liability number →Send us your current policy
We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.