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.

Average Building Cost Per Square Foot in 38004: $135

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.

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.

Allstate Insurance Company - Ronald Rook

Able III- Emerson R - State Farm Insurance Agent

Allstate Insurance Companies

Rook, Ron - Allstate

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.

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