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38028 Home Insurance Rates & Premiums

Did you know there are over 7,211 people living within the 38028 zip code area? There are over 2,693 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 38028.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Tennessee are on the rise. The estimated average premium is around $875 a year for a standard homeowners insurance policy in Eads. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Eads, TN Homeowners Insurance Quotes Online

38028 Home Insurance Average Premiums

Local 38028 homeowners insurance quotes comparison

$625 /yr.

Shows Zip Code: 38028 lowest rates with discounts applied on average.

For the 38028, 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)		$625 /yr.
Average Coverage:$875 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1175 /yr.

What is the average home insurance cost for a home in 38028?

  • • The average homeowners insurance premium paid annually for a home in 38028 is around $875 per year.

What does it cost on average per month for home insurance in 38028?

  • • Homeowners in 38028 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 38028?

  • • Autoowners in 38028 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 Eads area, check out other zip codes nearby 38028.
Review average rates in another zip code:
38028 homeowners insurance rates

Home Replacement Cost Coverage in 38028

Average Building Cost Per Square Foot in 38028: $135

Location: Eads, Tennessee (Shelby County)

Average Square Footage in 38028: 2,916 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38028 before you start any project. Eads 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 38028 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 38028 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,916 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 Eads 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$1352,916$393,600
Additional Upgrades & Added Features$1692,916$492,000
Major Home Updates or Advancements$2032,916$590,400

It's important to understand that when you estimate your replacement cost of your home in the 38028 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 38028

Best Home & Auto Insurance Agencies in 38028

Housing Demographics for 38028

Population Review for 38028 Zip Code

For the city of Eads, the population within 38028 has increased to over 7,812 residents in population size. The current population total is 7,211. We have broken down the population based on race below. In 38028, there are over 3594 in male population and 3617 females.

PopulationValues
Total Population7,211
White Population5669
Black Population927
Hispanic Population225
Asian Population156
Hawaiian Population7
Indian Population14
Other Population123
Male Population3594
Female Population3617
Population Estimate7812

Household Data for 38028

The average number of homes in 38028 is around 2,693, there are an average of 2.68 per household. The average house value according to local real estate values is around $393,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,693
Persons Per Household2.68
Average House Value$393,600
Income Per Household$141250
Median Age51.3
Median Age Male51.0
Median Age Female51.6
38028 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code901
CityEads
City Alias NameEADS
CountyShelby
County FIPS157
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 Businesses145
Number Of Employees1324
Business First Quarter Payroll15215
Business Annual Payroll75180
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 Residential2915
Delivery Business72
Delivery Total3156
Preferred Last Line KeyX25134
Classification Code
Multi-CountyY
CSA NameMemphis-Clarksdale-Forrest City, TN-MS-AR
CBSA_DIV_Name
City State KeyX25134
Land Area59.158000
Water Area0.239000
City Alias Code
City Mixed CaseEads
City Alias Mixed CaseEads
Box Count116
SFDU2915
MFDU0
State ANSI47
County ANSI157
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number472664
Unique ZIP Name
SSA State County Code44780
Medicare CBSA Code32820
Medicare CBSA NameMemphis, TN-MS-AR
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseShelby

Tennessee Homeowners Insurance News & Information

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    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 […]