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Are you paying too much for homeowners insurance in 37343? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Hixson, TN that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Tennessee licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 37343?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 37343 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 37343 and get ready to save.

3 Easy Ways To Save Money In 37343

These three links will help you explore home insurance quotes in 37343 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 37343 Home Insurance Costs Rated: high!

The average price for a homeowners insurance policy in Hixson is roughly $919. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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37343 Home Insurance Average Premiums

Local 37343 homeowners insurance quotes comparison

$669 /yr.

Shows Zip Code: 37343 lowest rates with discounts applied on average.

For the 37343, 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)
$669 /yr.
Average Coverage:$919 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1219 /yr.

What is the average home insurance cost for a home in 37343?

  • • The average homeowners insurance premium paid annually for a home in 37343 is around $919 per year.

What does it cost on average per month for home insurance in 37343?

  • • Homeowners in 37343 pay a monthly average cost per month around $77.00.

What kind of discount could I get if I combine my home and auto insurance together in 37343?

  • • Autoowners in 37343 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Hixson area, check out other zip codes nearby 37343.
Review average rates in another zip code:
37343 homeowners insurance rates

Home Replacement Cost Coverage in 37343

Average Building Cost Per Square Foot in 37343: $135

Location: Hixson, Tennessee (Hamilton County)

Average Square Footage in 37343: 1,531 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37343 before you start any project. Hixson homeowners pay on average around $135 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 37343 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 37343 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,531 sq. ft. and the average cost to rebuild the home in this area is around $135 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Hixson area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1351,531$206,700
Additional Upgrades & Added Features$1691,531$258,375
Major Home Updates or Advancements$2031,531$310,050

It's important to understand that when you estimate your replacement cost of your home in the 37343 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 37343

Allstate Insurance-Mitchell Beene- CLTC- CSA

Address: 5951 Highway 153 Hixson, TN 37343
Phone: (423)877-1488
Website: www.allstate.com

Brown Gary G Insurance CO

Address: 5438 Hixson Pike Hixson, TN 37343
Phone: (423)842-7811
Website:

Insurance Network LLC

Address: 5502 Hixson Pike Hixson, TN 37343
Phone: (423)842-0321
Website:

Alder & Cox Insurance

Address: 2110 Northpoint Boulevard Hixson, TN 37343
Phone: (423)877-3536
Website: www.aldercoxinsurance.com

Best Home & Auto Insurance Agencies in 37343

America's Money Network Inc

Address: 5731 Highway 153 Hixson, TN 37343
Phone:
Website:
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Lyman John W

Address: 1800 Republic Ln Chattanooga, TN 37343
Phone:
Website:
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Insurance Network LLC

Address: 5502 Hixson Pike Hixson, TN 37343
Phone:
Website:
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Direct General Insurance Agency Inc - Hixson

Address: 4812 Hixson Pike Hixson, TN 37343
Phone:
Website:
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Money Savers Insurance

Address: 5211 Highway 153 Hixson, TN 37343
Phone:
Website:
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Housing Demographics for 37343

Population Review for 37343 Zip Code

For the city of Hixson, the population within 37343 has increased to over 47,784 residents in population size. The current population total is 43,626. We have broken down the population based on race below. In 37343, there are over 21031 in male population and 22595 females.

PopulationValues
Total Population43,626
White Population35885
Black Population2816
Hispanic Population2253
Asian Population1083
Hawaiian Population21
Indian Population145
Other Population943
Male Population21031
Female Population22595
Population Estimate47784

Household Data for 37343

The average number of homes in 37343 is around 17,395, there are an average of 2.48 per household. The average house value according to local real estate values is around $206,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,395
Persons Per Household2.48
Average House Value$206,700
Income Per Household$71022
Median Age42.1
Median Age Male40.5
Median Age Female43.8
37343 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code423
CityHixson
City Alias NameHIXSON
CountyHamilton
County FIPS065
State FIPS47
Time Zone5
Day Light SavingY
MSA1560
PMSA
CSA174
CBSA16860
CBSA_DIV
CBSA_TypeMetro
CBSA_NameChattanooga, TN-GA
MSA_NameChattanooga, TN-GA MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses818
Number Of Employees10118
Business First Quarter Payroll82904
Business Annual Payroll362867
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population528143
CBSA Division Population0
Congressional District03
Congressional LandArea4570.32
Delivery Residential19268
Delivery Business1059
Delivery Total21036
Preferred Last Line KeyX25319
Classification Code
Multi-County
CSA NameChattanooga-Cleveland-Dalton, TN-GA-AL
CBSA_DIV_Name
City State KeyX25319
Land Area42.096000
Water Area4.035000
City Alias Code
City Mixed CaseHixson
City Alias Mixed CaseHixson
Box Count502
SFDU16442
MFDU957
State ANSI47
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number474140
Unique ZIP Name
SSA State County Code44320
Medicare CBSA Code16860
Medicare CBSA NameChattanooga, TN-GA
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseHamilton

Tennessee Homeowners Insurance News & Information

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    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]