Home and auto insurance in Southwest Huntsville, AL
The 35824 ZIP covers southwest Huntsville, including Huntsville International Airport and the Zierdt Road area. More than a third of its homes were built since 2010, and 45% of households rent.
- 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
Southwest Huntsville 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 35824.
A newer home still needs a rebuild number
37% of homes here were 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 Madison County comes to about $356,000. The median home here is valued at $390,300, land included. Set the dwelling limit from rebuild cost.
Renters need their own policy
45% of 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.
Townhome and condo owners: read the association policy
About 1 in 6 homes here is a townhome or in a building with 2 to 4 units. If you own one, the association's master policy decides where your own coverage starts, so read it before you set limits. A condo policy also pays your share of a covered association assessment. The standard form pays $1,000, and you can buy more.
Free tool
What would your Southwest Huntsville home cost to rebuild?
Our calculator uses Madison 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.