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37688, TN Homeowners Insurance Rates

With a population size of 963 and with 466 occupied homes in the 37688 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Shady Valley, TN are around $981 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Shady Valley, Tennessee. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Tennessee home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Shady Valley, TN.

For Tennessee home insurance information, including average Shady Valley home insurance rates, coverage options or the different homeowners insurance types, please select Shady Valley, TN Home Insurance Quotes Now!

37688 Home Insurance Average Premiums

Local 37688 homeowners insurance quotes comparison

$731 /yr.

Shows Zip Code: 37688 lowest rates with discounts applied on average.

For the 37688, 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)		$731 /yr.
Average Coverage:$981 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1281 /yr.

What is the average home insurance cost for a home in 37688?

  • • The average homeowners insurance premium paid annually for a home in 37688 is around $981 per year.

What does it cost on average per month for home insurance in 37688?

  • • Homeowners in 37688 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 37688?

  • • Autoowners in 37688 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 Shady Valley area, check out other zip codes nearby 37688.
Review average rates in another zip code:
37688 homeowners insurance rates

Home Replacement Cost Coverage in 37688

Average Building Cost Per Square Foot in 37688: $135

Location: Shady Valley, Tennessee (Johnson County)

Average Square Footage in 37688: 872 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37688 before you start any project. Shady Valley 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 37688 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 37688 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 872 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 Shady Valley 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$135872$117,700
Additional Upgrades & Added Features$169872$147,125
Major Home Updates or Advancements$203872$176,550

It's important to understand that when you estimate your replacement cost of your home in the 37688 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 37688

Best Home & Auto Insurance Agencies in 37688

Housing Demographics for 37688

Population Review for 37688 Zip Code

For the city of Shady Valley, the population within 37688 has increased to over 1,136 residents in population size. The current population total is 963. We have broken down the population based on race below. In 37688, there are over 475 in male population and 488 females.

PopulationValues
Total Population963
White Population927
Black Population0
Hispanic Population7
Asian Population0
Hawaiian Population1
Indian Population1
Other Population2
Male Population475
Female Population488
Population Estimate1136

Household Data for 37688

The average number of homes in 37688 is around 466, there are an average of 2.07 per household. The average house value according to local real estate values is around $117,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode466
Persons Per Household2.07
Average House Value$117,700
Income Per Household$37782
Median Age56.2
Median Age Male56.4
Median Age Female55.6
37688 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code423
CityShady Valley
City Alias NameSHADY VALLEY
CountyJohnson
County FIPS091
State FIPS47
Time Zone5
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 Businesses8
Number Of Employees8
Business First Quarter Payroll36
Business Annual Payroll314
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 District01
Congressional LandArea4141.92
Delivery Residential549
Delivery Business19
Delivery Total671
Preferred Last Line KeyX25745
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25745
Land Area54.144000
Water Area0.000000
City Alias Code
City Mixed CaseShady Valley
City Alias Mixed CaseShady Valley
Box Count49
SFDU549
MFDU0
State ANSI47
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number477728
Unique ZIP Name
SSA State County Code44450
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseJohnson

Tennessee Homeowners Insurance News & Information

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    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]