Home and auto insurance in Smiths Station, AL
Smiths Station is a city in eastern Lee County, just north of Phenix City. Most of the 36877 ZIP lies outside the city limits, and 84% of households own their home.
- 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
Smiths Station 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 36877.
A newer home still needs a rebuild number
1 in 4 homes here was built since 2010. A purchase price includes the lot, and building costs have changed since then. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Lee County comes to about $324,000. That's well above the $224,200 median home value here. Set the dwelling limit from rebuild cost.
Manufactured homes are written differently
Nearly 1 in 5 homes in this ZIP is a manufactured home. Carriers usually insure them on a policy or endorsement made for manufactured homes, and the year built matters. Homes built before June 15, 1976 predate the federal HUD construction code, and some carriers won't write them. Have the HUD label number handy when you call.
Homes outside city limits: know your fire protection class
About three quarters of this ZIP's land lies outside any city limits. Insurers use a fire protection class from ISO. A home more than 5 road miles from the fire station that responds to it is generally rated class 10, or 10W if it's within 7 miles and 1,000 feet of a water source. Those classes usually cost more to insure. Tell us the road distance to your station when you quote.
Free tool
What would your Smiths Station home cost to rebuild?
Our calculator uses Lee 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.