Home and auto insurance in Valley, AL
Valley was formed in 1980 when the mill villages of Langdale, Fairfax, Riverview and Shawmut merged. In the 36854 ZIP, about 1 in 9 homes was built before 1940, and about 1 in 6 is a manufactured 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
Valley 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 36854.
Homes built before 1940: ask about the wiring
About 1 in 9 homes here was built before 1940. Houses from that era were often wired with knob and tube, and some carriers won't write a home that still has it in use. If your house was rewired, tell us when. The same goes for the plumbing, the roof and the electrical panel.
Rebuild cost runs well above market value
The median home here is valued at $160,100, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Chambers County comes to about $299,000. If your home is on the Lee County side of this ZIP, the same house comes to about $324,000. Set the dwelling limit from rebuild cost, and on an older house, ask about ordinance or law coverage for code upgrades.
Manufactured homes are written differently
About 1 in 6 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.
An empty house needs the right policy
Nearly 1 in 5 homes in this ZIP is vacant. If you own a house that sits empty, such as one you inherited, tell us. On the standard homeowners form, vandalism isn't covered once the home has been vacant for more than 60 days in a row, and a house nobody lives in usually needs a different policy.
Free tool
What would your Valley home cost to rebuild?
Our calculator uses Chambers 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.