Home and auto insurance in Huffman and Grayson Valley, AL
The 35235 ZIP carries Birmingham and Center Point addresses. It covers Birmingham's Huffman area, the unincorporated community of Grayson Valley and part of Trussville. 44% of its homes were built in the 1970s and 1980s.
- 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
Huffman and Grayson Valley 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 35235.
Rebuild cost runs well above market value
The median home here is valued at $194,500, 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.
Know what's behind the walls
Polybutylene plumbing went into many homes built from the late 1970s into the mid-1990s, and some carriers decline or surcharge homes that still have it. Aluminum branch wiring went into some homes built from 1965 to 1973. If you've replaced either, tell us when.
Renters need their own policy
About 1 in 3 households here rents. 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 Huffman 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.