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Compare 38030 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Finley just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 235 neighbors looking to save on their home insurance policy in the local 38030 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 38030. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Tennessee rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Finley, TN home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Finley, TN

38030 Home Insurance Average Premiums

Local 38030 homeowners insurance quotes comparison

$748 /yr.

Shows Zip Code: 38030 lowest rates with discounts applied on average.

For the 38030, 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)		$748 /yr.
Average Coverage:$998 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1298 /yr.

What is the average home insurance cost for a home in 38030?

  • • The average homeowners insurance premium paid annually for a home in 38030 is around $998 per year.

What does it cost on average per month for home insurance in 38030?

  • • Homeowners in 38030 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 38030?

  • • Autoowners in 38030 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 Finley area, check out other zip codes nearby 38030.
Review average rates in another zip code:
38030 homeowners insurance rates

Home Replacement Cost Coverage in 38030

Average Building Cost Per Square Foot in 38030: $135

Location: Finley, Tennessee (Dyer County)

Average Square Footage in 38030: 887 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38030 before you start any project. Finley 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 38030 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 38030 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 887 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 Finley 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$135887$119,800
Additional Upgrades & Added Features$169887$149,750
Major Home Updates or Advancements$203887$179,700

It's important to understand that when you estimate your replacement cost of your home in the 38030 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 38030

Best Home & Auto Insurance Agencies in 38030

Housing Demographics for 38030

Population Review for 38030 Zip Code

For the city of Finley, the population within 38030 has increased to over 293 residents in population size. The current population total is 557. We have broken down the population based on race below. In 38030, there are over 266 in male population and 291 females.

PopulationValues
Total Population557
White Population530
Black Population4
Hispanic Population8
Asian Population2
Hawaiian Population0
Indian Population0
Other Population2
Male Population266
Female Population291
Population Estimate293

Household Data for 38030

The average number of homes in 38030 is around 235, there are an average of 2.37 per household. The average house value according to local real estate values is around $119,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode235
Persons Per Household2.37
Average House Value$119,800
Income Per Household$0
Median Age43.4
Median Age Male37.0
Median Age Female47.4
38030 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityFinley
City Alias NameFINLEY
CountyDyer
County FIPS045
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA20540
CBSA_DIV
CBSA_TypeMicro
CBSA_NameDyersburg, TN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees25
Business First Quarter Payroll146
Business Annual Payroll743
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population38335
CBSA Division Population0
Congressional District08
Congressional LandArea6850.53
Delivery Residential124
Delivery Business1
Delivery Total411
Preferred Last Line KeyX25197
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25197
Land Area108.660000
Water Area8.591000
City Alias Code
City Mixed CaseFinley
City Alias Mixed CaseFinley
Box Count273
SFDU124
MFDU0
State ANSI47
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number473132
Unique ZIP Name
SSA State County Code44220
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseDyer

Tennessee Homeowners Insurance News & Information

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  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    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 […]