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38259 Homeowners Insurance Quotes & Rates

Trimble residents living within the 309 homes available in the zip code of 38259 are shopping online to compare cheaper and more affordable Trimble, TN home insurance rates. In the great city of Trimble, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Tennessee is around $956 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 38259 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 38259 home insurance rates today! Please give us a call now at 1-855-976-2656. For Trimble, TN Homeowners Insurance Quotes, Click to easily get started!

38259 Home Insurance Average Premiums

Local 38259 homeowners insurance quotes comparison

$706 /yr.

Shows Zip Code: 38259 lowest rates with discounts applied on average.

For the 38259, 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)
$706 /yr.
Average Coverage:$956 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1256 /yr.

What is the average home insurance cost for a home in 38259?

  • • The average homeowners insurance premium paid annually for a home in 38259 is around $956 per year.

What does it cost on average per month for home insurance in 38259?

  • • Homeowners in 38259 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 38259?

  • • Autoowners in 38259 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 Trimble area, check out other zip codes nearby 38259.
Review average rates in another zip code:
38259 homeowners insurance rates

Home Replacement Cost Coverage in 38259

Average Building Cost Per Square Foot in 38259: $135

Location: Trimble, Tennessee (Dyer County)

Average Square Footage in 38259: 554 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38259 before you start any project. Trimble 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 38259 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 38259 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 554 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 Trimble 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$135554$74,800
Additional Upgrades & Added Features$169554$93,500
Major Home Updates or Advancements$203554$112,200

It's important to understand that when you estimate your replacement cost of your home in the 38259 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 38259

Best Home & Auto Insurance Agencies in 38259

Housing Demographics for 38259

Population Review for 38259 Zip Code

For the city of Trimble, the population within 38259 has increased to over 689 residents in population size. The current population total is 730. We have broken down the population based on race below. In 38259, there are over 350 in male population and 380 females.

PopulationValues
Total Population730
White Population656
Black Population21
Hispanic Population14
Asian Population0
Hawaiian Population0
Indian Population4
Other Population6
Male Population350
Female Population380
Population Estimate689

Household Data for 38259

The average number of homes in 38259 is around 309, there are an average of 2.36 per household. The average house value according to local real estate values is around $74,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode309
Persons Per Household2.36
Average House Value$74,800
Income Per Household$31250
Median Age43.0
Median Age Male43.5
Median Age Female40.8
38259 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityTrimble
City Alias NameTRIMBLE
CountyDyer
County FIPS045
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA20540
CBSA_DIV
CBSA_TypeMicro
CBSA_NameDyersburg, TN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses12
Number Of Employees43
Business First Quarter Payroll229
Business Annual Payroll949
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population38335
CBSA Division Population0
Congressional District08
Congressional LandArea6850.53
Delivery Residential292
Delivery Business5
Delivery Total382
Preferred Last Line KeyX25887
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX25887
Land Area27.672000
Water Area0.179000
City Alias Code
City Mixed CaseTrimble
City Alias Mixed CaseTrimble
Box Count69
SFDU292
MFDU0
State ANSI47
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number478676
Unique ZIP Name
SSA State County Code44220
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseDyer

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 […]