Home and auto insurance in Southeast Montgomery, AL
The 36116 ZIP covers southeast Montgomery and unincorporated land beyond the city limits, plus a small part of Pike Road. Half of its households rent, and 46% of 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
Southeast Montgomery 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 36116.
Rebuild cost runs well above market value
The median home here is valued at $149,500, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Montgomery 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
46% of homes here were built in the 1970s and 1980s. 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
Half the households here 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.
A rental house needs a landlord policy
If you own a home here that you rent to tenants, it's insured on a landlord policy, also called a dwelling policy. It covers the building and your liability as the owner, and it can include lost rent after a covered loss. Your tenants insure their own belongings.
Free tool
What would your Southeast Montgomery home cost to rebuild?
Our calculator uses Montgomery 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.