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37861 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 37861? There are over 3,540 occupied homes in the 37861 area. With a population size of 8,790, it's not uncommon for residence of Rutledge, TN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Tennessee is around $949 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 37861 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Rutledge, TN Home Insurance Rate Quotes

37861 Home Insurance Average Premiums

Local 37861 homeowners insurance quotes comparison

$699 /yr.

Shows Zip Code: 37861 lowest rates with discounts applied on average.

For the 37861, 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)		$699 /yr.
Average Coverage:$949 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1249 /yr.

What is the average home insurance cost for a home in 37861?

  • • The average homeowners insurance premium paid annually for a home in 37861 is around $949 per year.

What does it cost on average per month for home insurance in 37861?

  • • Homeowners in 37861 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 37861?

  • • Autoowners in 37861 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 Rutledge area, check out other zip codes nearby 37861.
Review average rates in another zip code:
37861 homeowners insurance rates

Home Replacement Cost Coverage in 37861

Average Building Cost Per Square Foot in 37861: $135

Location: Rutledge, Tennessee (Grainger County)

Average Square Footage in 37861: 973 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37861 before you start any project. Rutledge 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 37861 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 37861 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 973 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 Rutledge 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$135973$131,400
Additional Upgrades & Added Features$169973$164,250
Major Home Updates or Advancements$203973$197,100

It's important to understand that when you estimate your replacement cost of your home in the 37861 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 37861

Best Home & Auto Insurance Agencies in 37861

Roberts Jr- Ernest H

Address: Highway 11-W Jefferson City, TN 37861
Phone:
Website:
Info:

Housing Demographics for 37861

Population Review for 37861 Zip Code

For the city of Rutledge, the population within 37861 has increased to over 10,340 residents in population size. The current population total is 8,790. We have broken down the population based on race below. In 37861, there are over 4502 in male population and 4288 females.

PopulationValues
Total Population8,790
White Population7954
Black Population46
Hispanic Population506
Asian Population26
Hawaiian Population1
Indian Population36
Other Population292
Male Population4502
Female Population4288
Population Estimate10340

Household Data for 37861

The average number of homes in 37861 is around 3,540, there are an average of 2.44 per household. The average house value according to local real estate values is around $131,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,540
Persons Per Household2.44
Average House Value$131,400
Income Per Household$45176
Median Age45.3
Median Age Male43.6
Median Age Female47.1
37861 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code865
CityRutledge
City Alias NameRUTLEDGE
CountyGrainger
County FIPS057
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 Businesses88
Number Of Employees967
Business First Quarter Payroll8399
Business Annual Payroll36570
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 District02
Congressional LandArea2320.68
Delivery Residential4238
Delivery Business141
Delivery Total4741
Preferred Last Line KeyX25722
Classification Code
Multi-County
CSA NameKnoxville-Morristown-Sevierville, TN
CBSA_DIV_Name
City State KeyX25722
Land Area98.583000
Water Area8.194000
City Alias Code
City Mixed CaseRutledge
City Alias Mixed CaseRutledge
Box Count253
SFDU3999
MFDU101
State ANSI47
County ANSI057
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number477488
Unique ZIP Name
SSA State County Code44280
Medicare CBSA Code34100
Medicare CBSA NameMorristown, TN
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseGrainger

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 […]