Home and auto insurance in Homewood, AL
The 35209 ZIP is mostly the city of Homewood, just south of Birmingham, plus parts of Birmingham itself. Just over half its homes are in buildings with 5 or more units, and 52% 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
Homewood 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 35209.
Condo owners insure the inside
If you own a condo here, the association's master policy covers the building, and your condo policy covers what the master policy leaves to you, often the interior finishes, your belongings and your liability. Ask for the master policy before you set limits. Loss assessment coverage pays your share of a covered assessment; the standard form pays $1,000, and you can buy more.
Renters need their own policy
52% 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.
Older houses need ordinance or law coverage
30% of 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.
Rebuild cost and liability at these values
The median owner-occupied home here is valued at $504,600. 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. Set the dwelling limit from rebuild cost, then check liability against our guideline: 2.5 times household income or net worth, whichever is greater.
Free tool
What would your Homewood 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 →Nearby
Nearby Alabama towns we cover
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.