38019 Home Insurance Rates

For homeowners living in 38019, the population estimates are increasing to well over 15,129 with 6,022 occupied homes within the zip code of 38019. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Covington have increased and the average home insurance premium is around $990 per year in 38019. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 38019 zip code today so we can help you find affordable Covington, TN home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 38019

Please select one of the three options below based on your 38019 zip code to learn more about Tennessee homeowners insurance, plus review average rates and information per state, county or city.

38019 Average Home Insurance Rating Cost is: High!

Getting cheaper homeowners insurance in the 38019 zip code just got easier with GetHomeInsuranceQuotes.com of Covington, TN. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 38019 today and let us help you review the best home insurance quotes available for homeowners living in Covington.

Get 38019 Homeowners Insurance Rates Now!

38019 Home Insurance Average Premiums

Local 38019 homeowners insurance quotes comparison

$740 /yr.

Shows Zip Code: 38019 lowest rates with discounts applied on average.

For the 38019, 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)	$740 /yr.
Average Coverage:	$990 /yr.
2600 sq. ft. or higher (all discounts applied)	$1290 /yr.

What is the average home insurance cost for a home in 38019?

• The average homeowners insurance premium paid annually for a home in 38019 is around $990 per year.

What does it cost on average per month for home insurance in 38019?

• Homeowners in 38019 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 38019?

• Autoowners in 38019 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 Covington area, check out other zip codes nearby 38019.
Review average rates in another zip code:
38019 homeowners insurance rates

Home Replacement Cost Coverage in 38019

Average Building Cost Per Square Foot in 38019: $135

Location: Covington, Tennessee (Tipton County)

Average Square Footage in 38019: 1,016 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38019 before you start any project. Covington 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 38019 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 38019 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,016 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 Covington 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$135	1,016	$137,100
Additional Upgrades & Added Features	$169	1,016	$171,375
Major Home Updates or Advancements	$203	1,016	$205,650

Calculate Your Dwelling Coverage in 38019

It's important to understand that when you estimate your replacement cost of your home in the 38019 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 Home & Auto Insurance Agencies in 38019

Brad Carlisle State Farm Insurance

Address: 1921 Highway 51 S Covington, TN 38019
Phone:
Website: http://www.bradcarlisle.com/
Info:

Bull Jr, James A - Bull Insurance Corporation

Address: 216 W Pleasant Ave Covington, TN 38019
Phone:
Website: http://www.bullinsurance.com/
Info:

Gardner, Randy - Shelter Insurance

Address: 105 Court Sq W Covington, TN 38019
Phone:
Website: http://www.shelterinsurance.com/CA/agent/RANDYGARDNER
Info:

Allstate Insurance Company - Ronald Rook

Address: 130 Logan Dr Covington, TN 38019
Phone:
Website: http://www.allstateagencies.com/058719?cid=OTC-YP.com-IYP&att=TL
Info:

Auto Plan Insurance

Address: 973 Highway 51 N Covington, TN 38019
Phone:
Website: http://www.paicinsurance.com
Info:

Housing Demographics for 38019

Population Review for 38019 Zip Code

For the city of Covington, the population within 38019 has increased to over 15,510 residents in population size. The current population total is 15,129. We have broken down the population based on race below. In 38019, there are over 7051 in male population and 8078 females.

Population	Values
Total Population	15,129
White Population	9135
Black Population	5150
Hispanic Population	288
Asian Population	60
Hawaiian Population	4
Indian Population	50
Other Population	133
Male Population	7051
Female Population	8078
Population Estimate	15510

Household Data for 38019

The average number of homes in 38019 is around 6,022, there are an average of 2.46 per household. The average house value according to local real estate values is around $137,100. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	6,022
Persons Per Household	2.46
Average House Value	$137,100
Income Per Household	$45403
Median Age	39.7
Median Age Male	37.7
Median Age Female	41.7

38019 Details	Values
State	TN
State Full Name	Tennessee
City Type	P
City Alias Abbreviation
Area Code	901/731
City	Covington
City Alias Name	COVINGTON
County	Tipton
County FIPS	167
State FIPS	47
Time Zone	6
Day Light Saving	Y
MSA	4920
PMSA
CSA	368
CBSA	32820
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Memphis, TN-MS-AR
MSA_Name	Memphis, TN-AR-MS MSA
PMSA_Name
Region	South
Division	East South Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	316
Number Of Employees	5975
Business First Quarter Payroll	49928
Business Annual Payroll	217129
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	1316100
CBSA Division Population	0
Congressional District	08\|09
Congressional LandArea	6850.53\|483.39
Delivery Residential	6305
Delivery Business	577
Delivery Total	8427
Preferred Last Line Key	X25066
Classification Code
Multi-County
CSA Name	Memphis-Clarksdale-Forrest City, TN-MS-AR
CBSA_DIV_Name
City State Key	X25066
Land Area	140.553000
Water Area	0.140000
City Alias Code
City Mixed Case	Covington
City Alias Mixed Case	Covington
Box Count	408
SFDU	5449
MFDU	475
State ANSI	47
County ANSI	167
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	472028
Unique ZIP Name
SSA State County Code	44830
Medicare CBSA Code	32820
Medicare CBSA Name	Memphis, TN-MS-AR
Medicare CBSA Type	Metro
Market Rating Area ID	6
County Mixed Case	Tipton

Tennessee Homeowners Insurance News & Information

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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 […]
Are homeowners insurance companies increasing deductibles? Posted on Thursday 22nd August, 2024
This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket. As the cost of claims increases, particularly […]

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