Home and auto insurance in East Lake, AL
The 35206 ZIP lies almost entirely inside Birmingham city limits and covers the East Lake area, including South East Lake around Ruffner Mountain. More than half its homes were built before 1960, and 51% 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
East Lake 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 35206.
Homes this old need ordinance or law coverage
More than half the homes here were built before 1960. When an older house is damaged, the repair has to meet today's building code, and a standard policy pays only a limited amount for those upgrades. Ordinance or law coverage raises that amount. On a house this age, we usually recommend it.
Ask about the wiring
About 1 in 6 homes here was built before 1940. Houses from that era were often wired with knob and tube, and some carriers won't write a home that still has it in use. If your house was rewired, tell us when. The same goes for the plumbing, the roof and the electrical panel.
Rebuild cost runs well above market value
The median home here is valued at $153,500, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Jefferson County comes to about $356,000. Insuring to market value would leave you short after a total loss. Set the dwelling limit from rebuild cost.
Renters need their own policy
51% of households here rent. 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 East Lake 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.
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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.