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38057 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 38057 zip code it's important to know that our rates are very competitive for homeowners living in Moscow, TN. Many homeowners based out of your 38057 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Tennessee licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 38057 should appear in the zip code field ready to go. For Moscow, TN Homeowners Insurance Quotes nearby, we offer the best rates and service.

38057: Average Home Insurance Rates

For homeowners living in the great city of Moscow, the average homeowners policy is considered high in comparison to other states. Tennessee premiums are estimated to be around $919 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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38057 Home Insurance Average Premiums

Local 38057 homeowners insurance quotes comparison

$669 /yr.

Shows Zip Code: 38057 lowest rates with discounts applied on average.

For the 38057, 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)		$669 /yr.
Average Coverage:$919 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1219 /yr.

What is the average home insurance cost for a home in 38057?

  • • The average homeowners insurance premium paid annually for a home in 38057 is around $919 per year.

What does it cost on average per month for home insurance in 38057?

  • • Homeowners in 38057 pay a monthly average cost per month around $77.00.

What kind of discount could I get if I combine my home and auto insurance together in 38057?

  • • Autoowners in 38057 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 Moscow area, check out other zip codes nearby 38057.
Review average rates in another zip code:
38057 homeowners insurance rates

Home Replacement Cost Coverage in 38057

Average Building Cost Per Square Foot in 38057: $135

Location: Moscow, Tennessee (Fayette County)

Average Square Footage in 38057: 1,750 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38057 before you start any project. Moscow 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 38057 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 38057 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,750 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 Moscow 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$1351,750$236,300
Additional Upgrades & Added Features$1691,750$295,375
Major Home Updates or Advancements$2031,750$354,450

It's important to understand that when you estimate your replacement cost of your home in the 38057 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 38057

Best Home & Auto Insurance Agencies in 38057

Housing Demographics for 38057

Population Review for 38057 Zip Code

For the city of Moscow, the population within 38057 has increased to over 3,782 residents in population size. The current population total is 3,519. We have broken down the population based on race below. In 38057, there are over 1694 in male population and 1825 females.

PopulationValues
Total Population3,519
White Population2058
Black Population1285
Hispanic Population70
Asian Population7
Hawaiian Population0
Indian Population3
Other Population46
Male Population1694
Female Population1825
Population Estimate3782

Household Data for 38057

The average number of homes in 38057 is around 1,403, there are an average of 2.51 per household. The average house value according to local real estate values is around $236,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,403
Persons Per Household2.51
Average House Value$236,300
Income Per Household$71201
Median Age48.6
Median Age Male47.2
Median Age Female49.8
38057 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code901
CityMoscow
City Alias NameMOSCOW
CountyFayette
County FIPS047
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 Businesses42
Number Of Employees789
Business First Quarter Payroll9362
Business Annual Payroll37557
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
Congressional LandArea6850.53
Delivery Residential1507
Delivery Business64
Delivery Total1749
Preferred Last Line KeyX25539
Classification Code
Multi-County
CSA NameMemphis-Clarksdale-Forrest City, TN-MS-AR
CBSA_DIV_Name
City State KeyX25539
Land Area106.280000
Water Area0.057000
City Alias Code
City Mixed CaseMoscow
City Alias Mixed CaseMoscow
Box Count162
SFDU1499
MFDU8
State ANSI47
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number476000
Unique ZIP Name
SSA State County Code44230
Medicare CBSA Code32820
Medicare CBSA NameMemphis, TN-MS-AR
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseFayette

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 […]