Home and auto insurance in Auburn, AL
Auburn is home to Auburn University. In the 36830 ZIP, 44% of households rent and about 1 in 4 homes is in a building with 5 or more units.
- 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
Auburn 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 36830.
What a renters policy covers
Your landlord's policy covers the building. A renters policy covers your belongings, your liability if someone is hurt in your unit, and a place to stay if a covered loss makes it unlivable.
Students: check your parents' policy first
On the standard homeowners form, a full-time student under 24 who lived at home before school still counts as an insured on a parent's policy. Belongings at school are capped at 10% of the parents' personal property limit, or $1,000 if that's more. Forms vary by carrier, so check before move-in.
A unit you rent out needs a landlord policy
If you bought a house or condo here to rent to tenants, students included, it's insured on a landlord policy, also called a dwelling policy, or on a condo policy written for a rented unit. It covers the building and your liability as the owner, and it can include lost rent after a covered loss. Your tenants insure their own belongings.
Set the dwelling limit from rebuild cost
The median home here is valued at $367,700, and that includes the land. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Lee County comes to about $324,000. Run your own square footage and finish level through the calculator and compare the result with Coverage A on your policy.
Free tool
What would your Auburn home cost to rebuild?
Our calculator uses Lee 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.