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37410 Home Insurance Rates & Premiums

Did you know there are over 4,082 people living within the 37410 zip code area? There are over 1,613 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 37410.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Tennessee are on the rise. The estimated average premium is around $978 a year for a standard homeowners insurance policy in Chattanooga. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Chattanooga, TN Homeowners Insurance Quotes Online

37410 Home Insurance Average Premiums

Local 37410 homeowners insurance quotes comparison

$728 /yr.

Shows Zip Code: 37410 lowest rates with discounts applied on average.

For the 37410, 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)		$728 /yr.
Average Coverage:$978 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1278 /yr.

What is the average home insurance cost for a home in 37410?

  • • The average homeowners insurance premium paid annually for a home in 37410 is around $978 per year.

What does it cost on average per month for home insurance in 37410?

  • • Homeowners in 37410 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 37410?

  • • Autoowners in 37410 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 Chattanooga area, check out other zip codes nearby 37410.
Review average rates in another zip code:
37415 homeowners insurance rates
37403 homeowners insurance rates
37409 homeowners insurance rates
37402 homeowners insurance rates
37404 homeowners insurance rates
37412 homeowners insurance rates
37407 homeowners insurance rates
37419 homeowners insurance rates
37411 homeowners insurance rates
37410 homeowners insurance rates

Home Replacement Cost Coverage in 37410

Average Building Cost Per Square Foot in 37410: $135

Location: Chattanooga, Tennessee (Hamilton County)

Average Square Footage in 37410: 466 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37410 before you start any project. Chattanooga 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 37410 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 37410 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 466 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 Chattanooga 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$135466$62,900
Additional Upgrades & Added Features$169466$78,625
Major Home Updates or Advancements$203466$94,350

It's important to understand that when you estimate your replacement cost of your home in the 37410 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 37410

Best Home & Auto Insurance Agencies in 37410

Housing Demographics for 37410

Population Review for 37410 Zip Code

For the city of Chattanooga, the population within 37410 has increased to over 5,260 residents in population size. The current population total is 4,082. We have broken down the population based on race below. In 37410, there are over 1794 in male population and 2288 females.

PopulationValues
Total Population4,082
White Population323
Black Population3485
Hispanic Population154
Asian Population7
Hawaiian Population0
Indian Population2
Other Population99
Male Population1794
Female Population2288
Population Estimate5260

Household Data for 37410

The average number of homes in 37410 is around 1,613, there are an average of 2.50 per household. The average house value according to local real estate values is around $62,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,613
Persons Per Household2.50
Average House Value$62,900
Income Per Household$23088
Median Age32.0
Median Age Male29.1
Median Age Female35.0
37410 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code423
CityChattanooga
City Alias NameCHATTANOOGA
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 Businesses86
Number Of Employees1639
Business First Quarter Payroll20013
Business Annual Payroll85248
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 Residential2104
Delivery Business109
Delivery Total2214
Preferred Last Line KeyX25003
Classification Code
Multi-County
CSA NameChattanooga-Cleveland-Dalton, TN-GA-AL
CBSA_DIV_Name
City State KeyX25003
Land Area3.024000
Water Area0.038000
City Alias Code
City Mixed CaseChattanooga
City Alias Mixed CaseChattanooga
Box Count0
SFDU1017
MFDU348
State ANSI47
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number471560
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

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • 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 […]