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38076 Home Insurance Rates & Premiums

Did you know there are over 762 people living within the 38076 zip code area? There are over 299 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 38076.

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 $999 a year for a standard homeowners insurance policy in Williston. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Williston, TN Homeowners Insurance Quotes Online

38076 Home Insurance Average Premiums

Local 38076 homeowners insurance quotes comparison

$749 /yr.

Shows Zip Code: 38076 lowest rates with discounts applied on average.

For the 38076, 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)		$749 /yr.
Average Coverage:$999 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1299 /yr.

What is the average home insurance cost for a home in 38076?

  • • The average homeowners insurance premium paid annually for a home in 38076 is around $999 per year.

What does it cost on average per month for home insurance in 38076?

  • • Homeowners in 38076 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 38076?

  • • Autoowners in 38076 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 Williston area, check out other zip codes nearby 38076.
Review average rates in another zip code:
38076 homeowners insurance rates

Home Replacement Cost Coverage in 38076

Average Building Cost Per Square Foot in 38076: $135

Location: Williston, Tennessee (Fayette County)

Average Square Footage in 38076: 1,332 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38076 before you start any project. Williston 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 38076 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 38076 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,332 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 Williston 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$1351,332$179,800
Additional Upgrades & Added Features$1691,332$224,750
Major Home Updates or Advancements$2031,332$269,700

It's important to understand that when you estimate your replacement cost of your home in the 38076 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 38076

Best Home & Auto Insurance Agencies in 38076

Housing Demographics for 38076

Population Review for 38076 Zip Code

For the city of Williston, the population within 38076 has increased to over 979 residents in population size. The current population total is 762. We have broken down the population based on race below. In 38076, there are over 374 in male population and 388 females.

PopulationValues
Total Population762
White Population556
Black Population173
Hispanic Population12
Asian Population1
Hawaiian Population1
Indian Population1
Other Population5
Male Population374
Female Population388
Population Estimate979

Household Data for 38076

The average number of homes in 38076 is around 299, there are an average of 2.55 per household. The average house value according to local real estate values is around $179,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode299
Persons Per Household2.55
Average House Value$179,800
Income Per Household$51563
Median Age48.0
Median Age Male45.5
Median Age Female50.5
38076 DetailsValues
StateTN
State Full NameTennessee
City TypeN
City Alias Abbreviation
Area Code901
CityWilliston
City Alias NameWILLISTON
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 Businesses8
Number Of Employees10
Business First Quarter Payroll58
Business Annual Payroll529
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 Residential384
Delivery Business7
Delivery Total400
Preferred Last Line Key014512
Classification Code
Multi-County
CSA NameMemphis-Clarksdale-Forrest City, TN-MS-AR
CBSA_DIV_Name
City State Key014512
Land Area28.484000
Water Area0.055000
City Alias Code
City Mixed CaseWilliston
City Alias Mixed CaseWilliston
Box Count7
SFDU384
MFDU0
State ANSI47
County ANSI047
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number478016
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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