Home and auto insurance in Fultondale, AL
Fultondale is a city just north of Birmingham, and the 35068 ZIP is mostly Fultondale plus part of Birmingham. On January 25, 2021, an EF-3 tornado struck the city, according to the National Weather Service.
- 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
Fultondale 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 35068.
Check your wind and hail deductible
Some Alabama policies carry a separate deductible for wind or hail, written as a percentage of the dwelling limit. At 2% on a $300,000 dwelling limit, you'd pay the first $6,000 of a storm claim. Find yours on the declarations page before storm season.
Ask about the FORTIFIED roof endorsement
Alabama law requires insurers writing homeowners policies to offer a FORTIFIED roof endorsement. If a covered loss requires a full roof replacement, it pays to rebuild the roof to the FORTIFIED standard. It's offered for a premium on new policies and at first renewal, and partial roof repairs don't qualify.
Rebuild cost runs well above market value
The median home here is valued at $195,100, 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.
Free tool
What would your Fultondale 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.