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Homeowners Insurance in 38004

Getting the most affordable home insurance rates in 38004 just got easier for Atoka, TN home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Atoka. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Atoka, TN Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 38004

When discussing Tennessee homeowners insurance rates, Atoka residents are finding new ways to save time and money by discovering lower rates when they shop online. Tennessee may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 21. Residents that live within the 38004 zipcode are currently paying $978 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Atoka does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

38004 Home Insurance Average Premiums

Local 38004 homeowners insurance quotes comparison

$728 /yr.

Shows Zip Code: 38004 lowest rates with discounts applied on average.

For the 38004, 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)
$728 /yr.
Average Coverage:$978 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1278 /yr.

What is the average home insurance cost for a home in 38004?

  • • The average homeowners insurance premium paid annually for a home in 38004 is around $978 per year.

What does it cost on average per month for home insurance in 38004?

  • • Homeowners in 38004 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 38004?

  • • Autoowners in 38004 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 Atoka area, check out other zip codes nearby 38004.
Review average rates in another zip code:
38004 homeowners insurance rates

Home Replacement Cost Coverage in 38004

Average Building Cost Per Square Foot in 38004: $135

Location: Atoka, Tennessee (Tipton County)

Average Square Footage in 38004: 1,630 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38004 before you start any project. Atoka 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 38004 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 38004 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,630 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 Atoka 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$1351,630$220,000
Additional Upgrades & Added Features$1691,630$275,000
Major Home Updates or Advancements$2031,630$330,000

It's important to understand that when you estimate your replacement cost of your home in the 38004 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 38004

Best Home & Auto Insurance Agencies in 38004

Able III- Emerson R - State Farm Insurance Agent

Address: 123 Atoka Munford Ave Atoka, TN 38004
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

Rook, Ron - Allstate

Address: 14366 Highway 51 S, #A Atoka, TN 38004
Phone:
Website: http://www.allstateagencies.com/RonRook/Welcome/
Info:

Allstate Insurance Company - Ronald Rook

Address: 14366 Highway 51 S Atoka, TN 38004
Phone:
Website: http://www.allstateagencies.com/029137?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance Companies

Address: 14366 Highway 51 S Munford, TN 38004
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

Housing Demographics for 38004

Population Review for 38004 Zip Code

For the city of Atoka, the population within 38004 has increased to over 12,538 residents in population size. The current population total is 11,561. We have broken down the population based on race below. In 38004, there are over 5696 in male population and 5865 females.

PopulationValues
Total Population11,561
White Population9163
Black Population1304
Hispanic Population376
Asian Population132
Hawaiian Population16
Indian Population41
Other Population136
Male Population5696
Female Population5865
Population Estimate12538

Household Data for 38004

The average number of homes in 38004 is around 3,958, there are an average of 2.92 per household. The average house value according to local real estate values is around $220,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,958
Persons Per Household2.92
Average House Value$220,000
Income Per Household$87927
Median Age38.5
Median Age Male38.1
Median Age Female38.7
38004 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code901
CityAtoka
City Alias NameATOKA
CountyTipton
County FIPS167
State FIPS47
Time Zone6
Day Light SavingY
MSA4920
PMSA
CSA368
CBSA32820
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMemphis, TN-MS-AR
MSA_NameMemphis, TN-AR-MS MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses155
Number Of Employees1453
Business First Quarter Payroll10606
Business Annual Payroll46382
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1316100
CBSA Division Population0
Congressional District08|09
Congressional LandArea6850.53|483.39
Delivery Residential4294
Delivery Business214
Delivery Total5406
Preferred Last Line KeyX24887
Classification Code
Multi-CountyY
CSA NameMemphis-Clarksdale-Forrest City, TN-MS-AR
CBSA_DIV_Name
City State KeyX24887
Land Area27.349000
Water Area0.038000
City Alias Code
City Mixed CaseAtoka
City Alias Mixed CaseAtoka
Box Count236
SFDU3919
MFDU179
State ANSI47
County ANSI167
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number470372
Unique ZIP Name
SSA State County Code44830
Medicare CBSA Code32820
Medicare CBSA NameMemphis, TN-MS-AR
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseTipton

Tennessee Homeowners Insurance News & Information

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    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]