Home and auto insurance in Madison (Limestone County), AL
The 35756 ZIP carries Madison addresses but sits mostly in Limestone County. About half its land is inside Huntsville city limits, including the Greenbrier Preserve development, with smaller parts in Madison and Triana.
- 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
Madison (Limestone County) 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 35756.
A new home still needs a rebuild number
2 in 3 homes here were built since 2010. A purchase price includes the lot, and building costs keep moving. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Limestone County comes to about $324,000. The median home here is valued at $377,400, land included. Set the dwelling limit from rebuild cost.
Builder defects are a warranty issue
A homeowners policy excludes faulty workmanship and defective materials. If a bad install leads to covered damage, such as a fire, the damage can be covered, but fixing the defect itself falls to the builder's warranty. Keep your warranty papers and closing documents together.
Ask your builder about FORTIFIED
Alabama law requires insurers to give a premium discount on a home certified to an IBHS FORTIFIED standard. The certificate comes from an IBHS-certified evaluator, so ask your builder whether your home was built and certified to it. If you have the certificate, send it with your quote.
The Madison County side has a higher rebuild number
Our calculator uses Limestone County costs for this ZIP. About 1 in 6 acres of it is in Madison County, where the same 1,500 square foot house comes to about $356,000. If your home is on that side, tell us.
Free tool
What would your Madison home cost to rebuild?
Our calculator uses Limestone 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.