Get multiple home insurance quotes in 37415. Our licensed 37415, TN agents are ready to serve you.

37415 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 37415 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Chattanooga, TN. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 37415 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Tennessee, like average Chattanooga homeowners insurance rates, coverage options or home insurance types, please select Chattanooga, TN Home Insurance Rates Online!

37415 Home Insurance Average Premiums

Local 37415 homeowners insurance quotes comparison

$722 /yr.

Shows Zip Code: 37415 lowest rates with discounts applied on average.

For the 37415, 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)
$722 /yr.
Average Coverage:$972 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1272 /yr.

What is the average home insurance cost for a home in 37415?

  • • The average homeowners insurance premium paid annually for a home in 37415 is around $972 per year.

What does it cost on average per month for home insurance in 37415?

  • • Homeowners in 37415 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 37415?

  • • Autoowners in 37415 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 37415.
Review average rates in another zip code:
37421 homeowners insurance rates
37411 homeowners insurance rates
37407 homeowners insurance rates
37419 homeowners insurance rates
37408 homeowners insurance rates
37416 homeowners insurance rates
37405 homeowners insurance rates
37404 homeowners insurance rates
37410 homeowners insurance rates
37409 homeowners insurance rates

Home Replacement Cost Coverage in 37415

Average Building Cost Per Square Foot in 37415: $135

Location: Chattanooga, Tennessee (Hamilton County)

Average Square Footage in 37415: 1,440 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37415 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 37415 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 37415 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,440 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$1351,440$194,400
Additional Upgrades & Added Features$1691,440$243,000
Major Home Updates or Advancements$2031,440$291,600

It's important to understand that when you estimate your replacement cost of your home in the 37415 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 37415

Meador Marie Fox Agency

Address: 3871 Hixson Pike Suite B Chattanooga, TN 37415
Phone: (423)877-8267
Website:

Alder & Cox Inc

Address: 2100 Northp.O.Int Blvd P.O. Box 15659 Chattanooga, TN 37415
Phone: (423)877-3536
Website: www.aldercoxinsurance.com

Connolly Kevin Insurance

Address: 257 Northgate Mall Chattanooga, TN 37415
Phone: (423)877-6445
Website:

Allstate Insurance Companies - Sales Offices- Hixson

Address: 257 Northgate Mall Chattanooga, TN 37415
Phone: (423)877-6445
Website: www.allstate.com

Fox Joe E

Address: 3871 Hixson Pike Suite B Chattanooga, TN 37415
Phone: (423)877-8267
Website:

Best Home & Auto Insurance Agencies in 37415

River City Insurance

Address: 5816 Browntown Rd Chattanooga, TN 37415
Phone:
Website: http://www.erieinsurance.com
Info:

Lively- Sondra K

Address: 4105 Dayton Blvd Chattanooga, TN 37415
Phone:
Website:
Info:

Tennessee Valley Insurance Services

Address: 4300 Dayton Blvd, #Blvd-200 Chattanooga, TN 37415
Phone:
Website:
Info:

Alder & Cox Inc

Address: 2100 Northp.O.Int Blvd P.O. Box 15659 Chattanooga, TN 37415
Phone:
Website: http://www.aldercoxinsurance.com
Info:

Fox Joe E

Address: 3871 Hixson Pike Chattanooga, TN 37415
Phone:
Website:
Info:

Housing Demographics for 37415

Population Review for 37415 Zip Code

For the city of Chattanooga, the population within 37415 has increased to over 25,777 residents in population size. The current population total is 23,580. We have broken down the population based on race below. In 37415, there are over 11410 in male population and 12170 females.

PopulationValues
Total Population23,580
White Population19431
Black Population1396
Hispanic Population1492
Asian Population471
Hawaiian Population15
Indian Population109
Other Population683
Male Population11410
Female Population12170
Population Estimate25777

Household Data for 37415

The average number of homes in 37415 is around 11,167, there are an average of 2.11 per household. The average house value according to local real estate values is around $194,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,167
Persons Per Household2.11
Average House Value$194,400
Income Per Household$59124
Median Age37.7
Median Age Male36.5
Median Age Female39.0
37415 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 Businesses488
Number Of Employees5545
Business First Quarter Payroll47978
Business Annual Payroll218108
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 Residential12217
Delivery Business734
Delivery Total13232
Preferred Last Line KeyX25003
Classification Code
Multi-County
CSA NameChattanooga-Cleveland-Dalton, TN-GA-AL
CBSA_DIV_Name
City State KeyX25003
Land Area17.519000
Water Area0.793000
City Alias Code
City Mixed CaseChattanooga
City Alias Mixed CaseChattanooga
Box Count242
SFDU8489
MFDU2174
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

  • 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 […]