Home and auto insurance in Calera, AL
Calera is in southern Shelby County, and the 35040 ZIP reaches into Chilton County. 45% of its homes were built in the 2000s, and 79% 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
Calera 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 35040.
Homes from the 2000s need a roof and water check
45% of homes here were built from 2000 to 2009. A house from 2005 is 21 years old, so the original roof is near the end of its life if it hasn't been replaced, and so are the original water heater and supply lines. Ask how your policy pays on an older roof.
Rebuild cost runs above market value
The median home here is valued at $232,300, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Shelby County comes to about $324,000. About 1 in 6 acres of this ZIP is in Chilton County, where the same house comes to about $299,000. Set the dwelling limit from rebuild cost.
Homes outside city limits: know your fire protection class
About 7 in 10 acres of this ZIP lie outside any city limits. 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 Calera home cost to rebuild?
Our calculator uses Shelby 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.