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37681 Home Insurance Rates & Premiums

Did you know there are over 6,234 people living within the 37681 zip code area? There are over 2,522 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 37681.

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 $931 a year for a standard homeowners insurance policy in Limestone. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Limestone, TN Homeowners Insurance Quotes Online

37681 Home Insurance Average Premiums

Local 37681 homeowners insurance quotes comparison

$681 /yr.

Shows Zip Code: 37681 lowest rates with discounts applied on average.

For the 37681, 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)		$681 /yr.
Average Coverage:$931 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1231 /yr.

What is the average home insurance cost for a home in 37681?

  • • The average homeowners insurance premium paid annually for a home in 37681 is around $931 per year.

What does it cost on average per month for home insurance in 37681?

  • • Homeowners in 37681 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 37681?

  • • Autoowners in 37681 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 Limestone area, check out other zip codes nearby 37681.
Review average rates in another zip code:
37681 homeowners insurance rates

Home Replacement Cost Coverage in 37681

Average Building Cost Per Square Foot in 37681: $135

Location: Limestone, Tennessee (Washington County)

Average Square Footage in 37681: 1,129 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37681 before you start any project. Limestone 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 37681 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 37681 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,129 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 Limestone 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$1351,129$152,400
Additional Upgrades & Added Features$1691,129$190,500
Major Home Updates or Advancements$2031,129$228,600

It's important to understand that when you estimate your replacement cost of your home in the 37681 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 37681

Best Home & Auto Insurance Agencies in 37681

Housing Demographics for 37681

Population Review for 37681 Zip Code

For the city of Limestone, the population within 37681 has increased to over 6,953 residents in population size. The current population total is 6,234. We have broken down the population based on race below. In 37681, there are over 3166 in male population and 3068 females.

PopulationValues
Total Population6,234
White Population5821
Black Population43
Hispanic Population154
Asian Population7
Hawaiian Population4
Indian Population4
Other Population58
Male Population3166
Female Population3068
Population Estimate6953

Household Data for 37681

The average number of homes in 37681 is around 2,522, there are an average of 2.45 per household. The average house value according to local real estate values is around $152,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,522
Persons Per Household2.45
Average House Value$152,400
Income Per Household$45256
Median Age45.8
Median Age Male46.5
Median Age Female45.1
37681 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code423
CityLimestone
City Alias NameLIMESTONE
CountyWashington
County FIPS179
State FIPS47
Time Zone5
Day Light SavingY
MSA3660
PMSA
CSA304
CBSA27740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJohnson City, TN
MSA_NameJohnson City-Kingsport-Bristol, TN-VA MS
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses46
Number Of Employees397
Business First Quarter Payroll3543
Business Annual Payroll16997
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population198716
CBSA Division Population0
Congressional District01
Congressional LandArea4141.92
Delivery Residential2838
Delivery Business59
Delivery Total3038
Preferred Last Line KeyX25421
Classification Code
Multi-CountyY
CSA NameJohnson City-Kingsport-Bristol, TN-VA
CBSA_DIV_Name
City State KeyX25421
Land Area65.203000
Water Area0.359000
City Alias Code
City Mixed CaseLimestone
City Alias Mixed CaseLimestone
Box Count106
SFDU2814
MFDU24
State ANSI47
County ANSI179
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number475004
Unique ZIP Name
SSA State County Code44890
Medicare CBSA Code27740
Medicare CBSA NameJohnson City, TN
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseWashington

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 […]