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37365 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 37365? There are over 553 occupied homes in the 37365 area. With a population size of 1,340, it's not uncommon for residence of Palmer, TN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Tennessee is around $973 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 37365 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Palmer, TN Home Insurance Rate Quotes

37365 Home Insurance Average Premiums

Local 37365 homeowners insurance quotes comparison

$723 /yr.

Shows Zip Code: 37365 lowest rates with discounts applied on average.

For the 37365, 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)		$723 /yr.
Average Coverage:$973 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1273 /yr.

What is the average home insurance cost for a home in 37365?

  • • The average homeowners insurance premium paid annually for a home in 37365 is around $973 per year.

What does it cost on average per month for home insurance in 37365?

  • • Homeowners in 37365 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 37365?

  • • Autoowners in 37365 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 Palmer area, check out other zip codes nearby 37365.
Review average rates in another zip code:
37365 homeowners insurance rates

Home Replacement Cost Coverage in 37365

Average Building Cost Per Square Foot in 37365: $135

Location: Palmer, Tennessee (Grundy County)

Average Square Footage in 37365: 618 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37365 before you start any project. Palmer 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 37365 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 37365 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 618 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 Palmer 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$135618$83,400
Additional Upgrades & Added Features$169618$104,250
Major Home Updates or Advancements$203618$125,100

It's important to understand that when you estimate your replacement cost of your home in the 37365 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 37365

Best Home & Auto Insurance Agencies in 37365

Housing Demographics for 37365

Population Review for 37365 Zip Code

For the city of Palmer, the population within 37365 has increased to over 1,132 residents in population size. The current population total is 1,340. We have broken down the population based on race below. In 37365, there are over 631 in male population and 709 females.

PopulationValues
Total Population1,340
White Population1261
Black Population1
Hispanic Population15
Asian Population3
Hawaiian Population0
Indian Population6
Other Population1
Male Population631
Female Population709
Population Estimate1132

Household Data for 37365

The average number of homes in 37365 is around 553, there are an average of 2.42 per household. The average house value according to local real estate values is around $83,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode553
Persons Per Household2.42
Average House Value$83,400
Income Per Household$45523
Median Age47.2
Median Age Male46.2
Median Age Female48.3
37365 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code931
CityPalmer
City Alias NamePALMER
CountyGrundy
County FIPS061
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees48
Business First Quarter Payroll324
Business Annual Payroll1474
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea5984.84
Delivery Residential468
Delivery Business12
Delivery Total667
Preferred Last Line KeyX25626
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25626
Land Area56.412000
Water Area0.025000
City Alias Code
City Mixed CasePalmer
City Alias Mixed CasePalmer
Box Count174
SFDU468
MFDU0
State ANSI47
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number476588
Unique ZIP Name
SSA State County Code44300
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseGrundy

Tennessee Homeowners Insurance News & Information

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]