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38139 Home Insurance Rates & Premiums

Did you know there are over 16,734 people living within the 38139 zip code area? There are over 5,817 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 38139.

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 $976 a year for a standard homeowners insurance policy in Germantown. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Germantown, TN Homeowners Insurance Quotes Online

38139 Home Insurance Average Premiums

Local 38139 homeowners insurance quotes comparison

$726 /yr.

Shows Zip Code: 38139 lowest rates with discounts applied on average.

For the 38139, 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)		$726 /yr.
Average Coverage:$976 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1276 /yr.

What is the average home insurance cost for a home in 38139?

  • • The average homeowners insurance premium paid annually for a home in 38139 is around $976 per year.

What does it cost on average per month for home insurance in 38139?

  • • Homeowners in 38139 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 38139?

  • • Autoowners in 38139 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 Germantown area, check out other zip codes nearby 38139.
Review average rates in another zip code:
38138 homeowners insurance rates
38139 homeowners insurance rates

Home Replacement Cost Coverage in 38139

Average Building Cost Per Square Foot in 38139: $135

Location: Germantown, Tennessee (Shelby County)

Average Square Footage in 38139: 3,255 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38139 before you start any project. Germantown 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 38139 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 38139 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,255 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 Germantown 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$1353,255$439,400
Additional Upgrades & Added Features$1693,255$549,250
Major Home Updates or Advancements$2033,255$659,100

It's important to understand that when you estimate your replacement cost of your home in the 38139 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 38139

Best Home & Auto Insurance Agencies in 38139

Steve McMillian Insurance Agency

Address: 9947 Wolf River Blvd Collierville, TN 38139
Phone:
Website:
Info:

Housing Demographics for 38139

Population Review for 38139 Zip Code

For the city of Germantown, the population within 38139 has increased to over 17,092 residents in population size. The current population total is 16,734. We have broken down the population based on race below. In 38139, there are over 8165 in male population and 8569 females.

PopulationValues
Total Population16,734
White Population13821
Black Population450
Hispanic Population459
Asian Population1502
Hawaiian Population3
Indian Population37
Other Population106
Male Population8165
Female Population8569
Population Estimate17092

Household Data for 38139

The average number of homes in 38139 is around 5,817, there are an average of 2.88 per household. The average house value according to local real estate values is around $439,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,817
Persons Per Household2.88
Average House Value$439,400
Income Per Household$165956
Median Age44.9
Median Age Male44.1
Median Age Female45.5
38139 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code901
CityGermantown
City Alias NameGERMANTOWN
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 Businesses164
Number Of Employees1441
Business First Quarter Payroll12819
Business Annual Payroll61582
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 Residential5935
Delivery Business99
Delivery Total6610
Preferred Last Line KeyX29760
Classification Code
Multi-County
CSA NameMemphis-Clarksdale-Forrest City, TN-MS-AR
CBSA_DIV_Name
City State KeyX29760
Land Area8.704000
Water Area0.063000
City Alias Code
City Mixed CaseGermantown
City Alias Mixed CaseGermantown
Box Count0
SFDU5927
MFDU0
State ANSI47
County ANSI157
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number473495
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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    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 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 […]