Home and auto insurance in Irondale, AL
Irondale is a city on Birmingham's east side. The 35210 ZIP is mostly Irondale, plus parts of Birmingham, and a third of its homes were built in the 1970s.
- 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
Irondale 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 35210.
Homes from the 1970s: ask about aluminum wiring
A third of the homes here were built in the 1970s. Aluminum branch wiring went into some homes built from 1965 to 1973, and carriers ask about it because the connections can overheat. If your house has it, tell us whether it's been repaired or replaced, and when.
Rebuild cost runs above market value
The median home here is valued at $255,800, 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. Set the dwelling limit from rebuild cost.
Tell us what's been updated
62% of homes here were built before 1980. Carriers ask about the roof, the electrical panel, the wiring and the plumbing on older homes. If you've replaced any of them, have the year handy. It can change which carriers will write the house and what they charge.
Free tool
What would your Irondale 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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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.