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37361 Homeowners Insurance Quotes & Rates

Ocoee residents living within the 635 homes available in the zip code of 37361 are shopping online to compare cheaper and more affordable Ocoee, TN home insurance rates. In the great city of Ocoee, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Tennessee is around $946 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 37361 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 37361 home insurance rates today! Please give us a call now at 1-855-976-2656. For Ocoee, TN Homeowners Insurance Quotes, Click to easily get started!

37361 Home Insurance Average Premiums

Local 37361 homeowners insurance quotes comparison

$696 /yr.

Shows Zip Code: 37361 lowest rates with discounts applied on average.

For the 37361, 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)
$696 /yr.
Average Coverage:$946 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1246 /yr.

What is the average home insurance cost for a home in 37361?

  • • The average homeowners insurance premium paid annually for a home in 37361 is around $946 per year.

What does it cost on average per month for home insurance in 37361?

  • • Homeowners in 37361 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 37361?

  • • Autoowners in 37361 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 Ocoee area, check out other zip codes nearby 37361.
Review average rates in another zip code:
37361 homeowners insurance rates

Home Replacement Cost Coverage in 37361

Average Building Cost Per Square Foot in 37361: $135

Location: Ocoee, Tennessee (Polk County)

Average Square Footage in 37361: 901 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37361 before you start any project. Ocoee 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 37361 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 37361 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 901 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 Ocoee 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$135901$121,600
Additional Upgrades & Added Features$169901$152,000
Major Home Updates or Advancements$203901$182,400

It's important to understand that when you estimate your replacement cost of your home in the 37361 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 37361

Best Home & Auto Insurance Agencies in 37361

Housing Demographics for 37361

Population Review for 37361 Zip Code

For the city of Ocoee, the population within 37361 has increased to over 1,849 residents in population size. The current population total is 1,684. We have broken down the population based on race below. In 37361, there are over 822 in male population and 862 females.

PopulationValues
Total Population1,684
White Population1562
Black Population12
Hispanic Population39
Asian Population4
Hawaiian Population1
Indian Population3
Other Population11
Male Population822
Female Population862
Population Estimate1849

Household Data for 37361

The average number of homes in 37361 is around 635, there are an average of 2.65 per household. The average house value according to local real estate values is around $121,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode635
Persons Per Household2.65
Average House Value$121,600
Income Per Household$58750
Median Age42.9
Median Age Male42.0
Median Age Female44.6
37361 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code423
CityOcoee
City Alias NameOCOEE
CountyPolk
County FIPS139
State FIPS47
Time Zone5
Day Light SavingY
MSA
PMSA
CSA174
CBSA17420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCleveland, TN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses34
Number Of Employees273
Business First Quarter Payroll1332
Business Annual Payroll7268
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population115788
CBSA Division Population0
Congressional District03
Congressional LandArea4570.32
Delivery Residential698
Delivery Business32
Delivery Total840
Preferred Last Line KeyX25614
Classification Code
Multi-County
CSA NameChattanooga-Cleveland-Dalton, TN-GA-AL
CBSA_DIV_Name
City State KeyX25614
Land Area28.494000
Water Area1.125000
City Alias Code
City Mixed CaseOcoee
City Alias Mixed CaseOcoee
Box Count79
SFDU698
MFDU0
State ANSI47
County ANSI139
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number476432
Unique ZIP Name
SSA State County Code44690
Medicare CBSA Code17420
Medicare CBSA NameCleveland, TN
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CasePolk

Tennessee Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]