Home and auto insurance in Phenix City, AL
Phenix City sits on the Chattahoochee River across from Columbus, Georgia. Both of its ZIPs cross the line between Russell and Lee counties: 36867 is mostly Russell, and 36870 is mostly Lee.
- 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
Phenix City 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 codes 36867 and 36870 combined.
Russell or Lee County changes the rebuild number
Our calculator uses Russell County costs for 36867 and Lee County costs for 36870. A 1,500 square foot, one-story, builder-grade home on a slab comes to about $299,000 in Russell and about $324,000 in Lee. Both ZIPs cross the county line, so tell us which county your home is in. Either figure is well above the median home values here, $195,100 to $207,600.
Older homes in 36867 need ordinance or law coverage
In 36867, more than 1 in 4 homes was 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.
Renters need their own policy
In 36867, 52% of households 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.
Free tool
What would your Phenix City home cost to rebuild?
Our calculator uses Russell 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.