Kimberly, AL Home Insurance Quotes!

Within the Jefferson County region, Kimberly, AL has a total population size of 2,719. Homeowners looking for home insurance quotes in this area have found very affordable rates with GetHomeInsuranceQuotes.com saving some in upwards of 55% with rates as low as $867 per year. There are over 931 homes in Kimberly that are currently owned and occupied. Our services allow us to shop and compare up to 12 rates and coverage options. Our online home insurance quoting system allows us to easily do the shopping for you at no cost, that's right, it's free. You can easily get multiple quotes today by entering your zip code and compare the most competitive Alabama rates available or give us a call now at 1-855-976-2656.

Kimberly, AL Housing & City Data

Source	Value
Location:	Kimberly, AL (JEFFERSON County)
Population:	2,719
Occupied Residents:	931
Average Real Estate Value Per Zip Code:	$193,600

Average Kimberly Home Insurance Rate Quotes

A common question that many Kimberly homeowners are asking, is "What's the average annual rate for homeowners in Kimberly, AL?" In other words, what is my neighbor paying for insurance and how can I save more money on my home insurance cost every month. The answer is easy, for homeowners living in Kimberly, we see an overall average of $1,117 per year. Now based on this "average", your rates could be 40% lower if we compare with multiple carriers and apply all the discounts and package options available to you. We have seen rates as low as $867 per year. At GetHomeInsuranceQuotes.com, we save you time and money by shopping all these rates for you. When comparing rates, it's also important to know that the average premium paid by homeowners within the United States is $1,311 paid annually.

In order to gain an understanding of how your rate will be compiled, we have listed a few helpful resources to help you understand replacement cost value, home insurance credits and home features that help discount your premium.

Top 5 Helpful Saving Resources

This home insurance calculator will calculate your dwelling coverage for your home in Kimberly, AL so you know what type of home insurance coverage you need to cover your replacement cost.
Here are the top five homeowners insurance discounts that you may not be aware of in Alabama
Installing smoke detectors, a security system and getting the same home and auto policy with the same carrier is a good start but to really kick-start your home insurance savings you have to dig a bit deeper. Here are the top 3 home insurance credits available to homeowners.
FAQ: What is a Kimberly, AL Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in Kimberly, AL?

Compare Homeowners Insurance Rates in Kimberly, AL!

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Average Rates Nearby Kimberly

Are you looking for homeowners insurance in a city near Kimberly? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Kimberly, AL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Kimberly.

35091,

Kimberly, AL Home Insurance Average Premiums

Local Kimberly, AL home insurance quotes comparison

$867 /yr.

Shows Kimberly's lowest average rates with discounts applied.

For the city of Kimberly, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$867 /yr.
Average Coverage:	$1117 /yr.
2600 sq. ft. or higher (all discounts applied)	$1417 /yr.

What is the average home insurance cost for a home in Kimberly, AL?

• The average homeowners insurance premium paid annually for a home in Kimberly is around $1117 per year.

What does it cost on average per month for home insurance in Kimberly, AL?

• Homeowners in Kimberly pay an average cost per month around $93.00 for insurance coverage.

Kimberly, AL - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$260,857	$234,695
February	$260,997	$238,890
March	$262,123	$243,577
April	$263,195	$248,095

Homeowners insurance will help cover the cost to repair or replace your Kimberly home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Kimberly
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Kimberly, AL homeowners insurance rates all in one place!

Saving Money Tips on Kimberly Home Insurance

A great way to save money on Kimberly homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Kimberly area? Check out what homeowners are paying on average for Alabama homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
519 ft.	This is the average home elevation in Kimberly, AL	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Alabama flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Kimberly, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Jefferson County.

Alabama Homeowners Insurance News & Information

Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024
North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]
How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024
Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured. Major upgrades such as adding square footage to your home or […]

Kimberly, AL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Kimberly so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Kimberly, AL?

- The average square footage in Kimberly is around 1,862 Sq. Ft. which would cost you around $193,600 to replace the home if you base the home on the price to build per square foot of $104.

Minimum Replacement Cost Total: $193,600

Location: Kimberly, Alabama (Jefferson County)

Average Building Cost Per Square Foot in Kimberly: $104 (low end)

Average Square Footage in Kimberly: 1,862 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$104	$193,600
Some Additional Upgrades	$130	$242,000
Major Home Updates or Advancements	$156	$290,400

Calculate Your Kimberly, AL Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($104) in Kimberly, Alabama times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $325,000 (Media price to build of $130 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.