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38257 Home Insurance Rates
For homeowners living in 38257, the population estimates are increasing to well over 4,121 with 1,829 occupied homes within the zip code of 38257. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in South Fulton have increased and the average home insurance premium is around $966 per year in 38257. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 38257 zip code today so we can help you find affordable South Fulton, TN home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 38257
Please select one of the three options below based on your 38257 zip code to learn more about Tennessee homeowners insurance, plus review average rates and information per state, county or city.
- Tennessee Homeowners Insurance Quotes
- Obion County, TN Home Insurance
- South Fulton, TN Home Insurance Quotes
38257 Average Home Insurance Rating Cost is: High!
Getting cheaper homeowners insurance in the 38257 zip code just got easier with GetHomeInsuranceQuotes.com of South Fulton, TN. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 38257 today and let us help you review the best home insurance quotes available for homeowners living in South Fulton.
38257 Home Insurance Average Premiums
$716 /yr.
Shows Zip Code: 38257 lowest rates with discounts applied on average.
For the 38257, 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) | $716 /yr. |
| Average Coverage: | $966 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1266 /yr. |
What is the average home insurance cost for a home in 38257?
- • The average homeowners insurance premium paid annually for a home in 38257 is around $966 per year.
What does it cost on average per month for home insurance in 38257?
- • Homeowners in 38257 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 38257?
- • Autoowners in 38257 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 South Fulton area, check out other zip codes nearby 38257.
Review average rates in another zip code:
38257 homeowners insurance rates
Home Replacement Cost Coverage in 38257
Average Building Cost Per Square Foot in 38257: $135
Location: South Fulton, Tennessee (Obion County)Average Square Footage in 38257: 758 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 38257 before you start any project. South Fulton 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 38257 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 38257 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 758 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 South Fulton 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 | 758 | $102,300 |
| Additional Upgrades & Added Features | $169 | 758 | $127,875 |
| Major Home Updates or Advancements | $203 | 758 | $153,450 |
It's important to understand that when you estimate your replacement cost of your home in the 38257 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 38257
Best Home & Auto Insurance Agencies in 38257
Housing Demographics for 38257
Population Review for 38257 Zip Code
For the city of South Fulton, the population within 38257 has increased to over 4,153 residents in population size. The current population total is 4,121. We have broken down the population based on race below. In 38257, there are over 1969 in male population and 2152 females.
| Population | Values |
|---|---|
| Total Population | 4,121 |
| White Population | 3541 |
| Black Population | 377 |
| Hispanic Population | 78 |
| Asian Population | 9 |
| Hawaiian Population | 0 |
| Indian Population | 8 |
| Other Population | 25 |
| Male Population | 1969 |
| Female Population | 2152 |
| Population Estimate | 4153 |
Household Data for 38257
The average number of homes in 38257 is around 1,829, there are an average of 2.25 per household. The average house value according to local real estate values is around $102,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,829 |
| Persons Per Household | 2.25 |
| Average House Value | $102,300 |
| Income Per Household | $50697 |
| Median Age | 47.7 |
| Median Age Male | 46.4 |
| Median Age Female | 49.2 |
| 38257 Details | Values |
|---|---|
| State | TN |
| State Full Name | Tennessee |
| City Type | N |
| City Alias Abbreviation | |
| Area Code | 731 |
| City | South Fulton |
| City Alias Name | SOUTH FULTON |
| County | Obion |
| County FIPS | 131 |
| State FIPS | 47 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 542 |
| CBSA | 46460 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Union City, TN |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 58 |
| Number Of Employees | 537 |
| Business First Quarter Payroll | 6776 |
| Business Annual Payroll | 31611 |
| 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 | 38620 |
| CBSA Division Population | 0 |
| Congressional District | 01|08 |
| Congressional LandArea | 4141.92|6850.53 |
| Delivery Residential | 1846 |
| Delivery Business | 91 |
| Delivery Total | 2115 |
| Preferred Last Line Key | X25788 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Union City-Martin, TN |
| CBSA_DIV_Name | |
| City State Key | X25788 |
| Land Area | 55.410000 |
| Water Area | 0.211000 |
| City Alias Code | |
| City Mixed Case | South Fulton |
| City Alias Mixed Case | South Fulton |
| Box Count | 100 |
| SFDU | 1701 |
| MFDU | 0 |
| State ANSI | 47 |
| County ANSI | 131 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | N |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 479999 |
| Unique ZIP Name | |
| SSA State County Code | 44650 |
| Medicare CBSA Code | 99944 |
| Medicare CBSA Name | Rural Areas in TN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Obion |
Tennessee Homeowners Insurance News & Information
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2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
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Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
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Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]