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37748 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 37748 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Harriman, TN quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 37748.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 37748 and start shopping.

Quickly and Easily Compare Average Rates for 37748

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Harriman, TN home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 37748

Homeowners in Harriman are paying roughly $971 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

Save on 37748 Home Insurance Quotes right now!

37748 Home Insurance Average Premiums

Local 37748 homeowners insurance quotes comparison

$721 /yr.

Shows Zip Code: 37748 lowest rates with discounts applied on average.

For the 37748, 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)
$721 /yr.
Average Coverage:$971 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1271 /yr.

What is the average home insurance cost for a home in 37748?

  • • The average homeowners insurance premium paid annually for a home in 37748 is around $971 per year.

What does it cost on average per month for home insurance in 37748?

  • • Homeowners in 37748 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 37748?

  • • Autoowners in 37748 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 Harriman area, check out other zip codes nearby 37748.
Review average rates in another zip code:
37748 homeowners insurance rates

Home Replacement Cost Coverage in 37748

Average Building Cost Per Square Foot in 37748: $135

Location: Harriman, Tennessee (Roane County)

Average Square Footage in 37748: 924 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37748 before you start any project. Harriman 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 37748 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 37748 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 924 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 Harriman 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$135924$124,800
Additional Upgrades & Added Features$169924$156,000
Major Home Updates or Advancements$203924$187,200

It's important to understand that when you estimate your replacement cost of your home in the 37748 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 37748

Layton Robert K

Address: 2322 North Gateway Avenue Harriman, TN 37748
Phone: (865)882-1331
Website:

Allstate Insurance Companies - Independent Agents- Harriman

Address: 2322 North Gateway Avenue Harriman, TN 37748
Phone: (865)882-1331
Website: www.allstate.com

Best Home & Auto Insurance Agencies in 37748

Grigsby Insurance Agency

Address: 645 Ruritan Rd Harriman, TN 37748
Phone:
Website:
Info:

Traughber Insurance

Address: 420 Ruritan Rd Harriman, TN 37748
Phone:
Website:
Info:

Brown- George W - State Farm Insurance Agent

Address: 1102 S Roane St Harriman, TN 37748
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance Companies - Independent Agents- Harriman

Address: 2322 N Gateway Ave Harriman, TN 37748
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Dykes- E Scott - State Farm Insurance Agent

Address: 605 N Roane St Harriman, TN 37748
Phone:
Website:
Info:

Housing Demographics for 37748

Population Review for 37748 Zip Code

For the city of Harriman, the population within 37748 has increased to over 18,527 residents in population size. The current population total is 17,227. We have broken down the population based on race below. In 37748, there are over 8476 in male population and 8751 females.

PopulationValues
Total Population17,227
White Population15721
Black Population511
Hispanic Population215
Asian Population68
Hawaiian Population9
Indian Population65
Other Population73
Male Population8476
Female Population8751
Population Estimate18527

Household Data for 37748

The average number of homes in 37748 is around 7,172, there are an average of 2.39 per household. The average house value according to local real estate values is around $124,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,172
Persons Per Household2.39
Average House Value$124,800
Income Per Household$47191
Median Age45.7
Median Age Male44.3
Median Age Female46.8
37748 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code865
CityHarriman
City Alias NameHARRIMAN
CountyRoane
County FIPS145
State FIPS47
Time Zone5
Day Light SavingY
MSA
PMSA
CSA315
CBSA28940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameKnoxville, TN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses291
Number Of Employees3230
Business First Quarter Payroll25202
Business Annual Payroll110238
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population698030
CBSA Division Population0
Congressional District03
Congressional LandArea4570.32
Delivery Residential7752
Delivery Business428
Delivery Total9323
Preferred Last Line KeyX25286
Classification Code
Multi-CountyY
CSA NameKnoxville-Morristown-Sevierville, TN
CBSA_DIV_Name
City State KeyX25286
Land Area106.581000
Water Area5.716000
City Alias Code
City Mixed CaseHarriman
City Alias Mixed CaseHarriman
Box Count280
SFDU7233
MFDU202
State ANSI47
County ANSI145
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number473852
Unique ZIP Name
SSA State County Code44720
Medicare CBSA Code28940
Medicare CBSA NameKnoxville, TN
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseRoane

Tennessee Homeowners Insurance News & Information

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]