Home and auto insurance in Bessemer and McCalla, AL
This page covers southern Bessemer (35022) and McCalla (35111), an unincorporated community to the southwest. Half the homes here were built between 1990 and 2009, and 83% of households own their home.
- 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
Bessemer and McCalla 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 codes 35022 and 35111 combined.
Which county you're in changes the rebuild number
Our calculator uses Jefferson County costs for 35022, where a 1,500 square foot, one-story, builder-grade home on a slab comes to about $356,000. It uses Tuscaloosa County costs for 35111, where the same house comes to about $324,000. More than half of 35111's land is in Jefferson County, so if your McCalla home is on that side, tell us. Both figures run above the median home values here, $258,900 and $285,100.
Homes from 1990 to 2009 need a roof and water check
Half the homes here were built in those 20 years. A house from 2000 is 26 years old, so it's due for a second roof if it hasn't had one, and the original water heater and supply lines are past their expected life. Ask how your policy pays on an older roof.
Unincorporated homes: know your fire protection class
Most of the land in these two ZIPs is outside city limits, including all of McCalla. Insurers use a fire protection class from ISO. A home more than 5 road miles from the fire station that responds to it is generally rated class 10, or 10W if it's within 7 miles and 1,000 feet of a water source. Those classes usually cost more to insure. Tell us the road distance to your station when you quote.
Free tool
What would your Bessemer home cost to rebuild?
Our calculator uses Jefferson 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.