Compare quotes for your home in 38226! Compare the best 12 carriers in minutes.
Shop for Home Insurance in 38226 right now!
If you live in the 38226 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Dukedom have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
Our service is always free and we not only find a great policy for you, our TN licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.
It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 38226 and then compare quotes from a variety of nationwide insurance companies.
38226 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 38226 the average premium for homeowners coverage is $972 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 38226. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
Get Free Home Insurance Quotes in 38226 Today!
We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
Click to review the best Dukedom, TN home insurance quotes in your area.
38226 Home Insurance Average Premiums
$722 /yr.
Shows Zip Code: 38226 lowest rates with discounts applied on average.
For the 38226, 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) | $722 /yr. |
| Average Coverage: | $972 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1272 /yr. |
What is the average home insurance cost for a home in 38226?
- • The average homeowners insurance premium paid annually for a home in 38226 is around $972 per year.
What does it cost on average per month for home insurance in 38226?
- • Homeowners in 38226 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 38226?
- • Autoowners in 38226 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 Dukedom area, check out other zip codes nearby 38226.
Review average rates in another zip code:
38226 homeowners insurance rates
Home Replacement Cost Coverage in 38226
Average Building Cost Per Square Foot in 38226: $135
Location: Dukedom, Tennessee (Weakley County)Average Square Footage in 38226: 519 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 38226 before you start any project. Dukedom 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 38226 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 38226 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 519 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 Dukedom 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $135 | 519 | $70,000 |
| Additional Upgrades & Added Features | $169 | 519 | $87,500 |
| Major Home Updates or Advancements | $203 | 519 | $105,000 |
It's important to understand that when you estimate your replacement cost of your home in the 38226 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 38226
Best Home & Auto Insurance Agencies in 38226
Housing Demographics for 38226
Population Review for 38226 Zip Code
For the city of Dukedom, the population within 38226 has increased to over 314 residents in population size. The current population total is 272. We have broken down the population based on race below. In 38226, there are over 145 in male population and 127 females.
| Population | Values |
|---|---|
| Total Population | 272 |
| White Population | 243 |
| Black Population | 4 |
| Hispanic Population | 9 |
| Asian Population | 7 |
| Hawaiian Population | 1 |
| Indian Population | 0 |
| Other Population | 4 |
| Male Population | 145 |
| Female Population | 127 |
| Population Estimate | 314 |
Household Data for 38226
The average number of homes in 38226 is around 127, there are an average of 2.14 per household. The average house value according to local real estate values is around $70,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 127 |
| Persons Per Household | 2.14 |
| Average House Value | $70,000 |
| Income Per Household | $21339 |
| Median Age | 49.4 |
| Median Age Male | 51.2 |
| Median Age Female | 47.5 |
| 38226 Details | Values |
|---|---|
| State | TN |
| State Full Name | Tennessee |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 731 |
| City | Dukedom |
| City Alias Name | DUKEDOM |
| County | Weakley |
| County FIPS | 183 |
| State FIPS | 47 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 542 |
| CBSA | 32280 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Martin, TN |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 3 |
| Number Of Employees | 7 |
| Business First Quarter Payroll | 49 |
| Business Annual Payroll | 193 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 35021 |
| CBSA Division Population | 0 |
| Congressional District | 08 |
| Congressional LandArea | 6850.53 |
| Delivery Residential | 147 |
| Delivery Business | 0 |
| Delivery Total | 247 |
| Preferred Last Line Key | X25128 |
| Classification Code | |
| Multi-County | |
| CSA Name | Union City-Martin, TN |
| CBSA_DIV_Name | |
| City State Key | X25128 |
| Land Area | 23.923000 |
| Water Area | 0.008000 |
| City Alias Code | |
| City Mixed Case | Dukedom |
| City Alias Mixed Case | Dukedom |
| Box Count | 13 |
| SFDU | 147 |
| MFDU | 0 |
| State ANSI | 47 |
| County ANSI | 183 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 472616 |
| Unique ZIP Name | |
| SSA State County Code | 44910 |
| Medicare CBSA Code | 99944 |
| Medicare CBSA Name | Rural Areas in TN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Weakley |
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 […]