Get multiple home insurance quotes in 38079. Our licensed 38079, TN agents are ready to serve you.

Compare 38079 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Tiptonville just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 1,302 neighbors looking to save on their home insurance policy in the local 38079 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 38079. 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 Tiptonville, 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 Tiptonville, TN

38079 Home Insurance Average Premiums

Local 38079 homeowners insurance quotes comparison

$753 /yr.

Shows Zip Code: 38079 lowest rates with discounts applied on average.

For the 38079, 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)		$753 /yr.
Average Coverage:$1003 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1303 /yr.

What is the average home insurance cost for a home in 38079?

  • • The average homeowners insurance premium paid annually for a home in 38079 is around $1003 per year.

What does it cost on average per month for home insurance in 38079?

  • • Homeowners in 38079 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 38079?

  • • Autoowners in 38079 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 Tiptonville area, check out other zip codes nearby 38079.
Review average rates in another zip code:
38079 homeowners insurance rates

Home Replacement Cost Coverage in 38079

Average Building Cost Per Square Foot in 38079: $135

Location: Tiptonville, Tennessee (Lake County)

Average Square Footage in 38079: 956 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38079 before you start any project. Tiptonville 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 38079 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 38079 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 956 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 Tiptonville 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$135956$129,000
Additional Upgrades & Added Features$169956$161,250
Major Home Updates or Advancements$203956$193,500

It's important to understand that when you estimate your replacement cost of your home in the 38079 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 38079

Best Home & Auto Insurance Agencies in 38079

Housing Demographics for 38079

Population Review for 38079 Zip Code

For the city of Tiptonville, the population within 38079 has increased to over 3,022 residents in population size. The current population total is 4,890. We have broken down the population based on race below. In 38079, there are over 3369 in male population and 1521 females.

PopulationValues
Total Population4,890
White Population3185
Black Population1485
Hispanic Population118
Asian Population8
Hawaiian Population3
Indian Population11
Other Population62
Male Population3369
Female Population1521
Population Estimate3022

Household Data for 38079

The average number of homes in 38079 is around 1,302, there are an average of 2.13 per household. The average house value according to local real estate values is around $129,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,302
Persons Per Household2.13
Average House Value$129,000
Income Per Household$31371
Median Age42.6
Median Age Male41.2
Median Age Female49.3
38079 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityTiptonville
City Alias NameTIPTONVILLE
CountyLake
County FIPS095
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses41
Number Of Employees353
Business First Quarter Payroll2111
Business Annual Payroll10170
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District01|08
Congressional LandArea4141.92|6850.53
Delivery Residential1419
Delivery Business114
Delivery Total1630
Preferred Last Line KeyX25871
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25871
Land Area110.496000
Water Area22.203000
City Alias Code
City Mixed CaseTiptonville
City Alias Mixed CaseTiptonville
Box Count90
SFDU1124
MFDU50
State ANSI47
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number478580
Unique ZIP Name
SSA State County Code44470
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseLake

Tennessee Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]