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Compare 38305 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Jackson just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 21,216 neighbors looking to save on their home insurance policy in the local 38305 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 38305. 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 Jackson, 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 Jackson, TN

38305 Home Insurance Average Premiums

Local 38305 homeowners insurance quotes comparison

$699 /yr.

Shows Zip Code: 38305 lowest rates with discounts applied on average.

For the 38305, 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)
$699 /yr.
Average Coverage:$949 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1249 /yr.

What is the average home insurance cost for a home in 38305?

  • • The average homeowners insurance premium paid annually for a home in 38305 is around $949 per year.

What does it cost on average per month for home insurance in 38305?

  • • Homeowners in 38305 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 38305?

  • • Autoowners in 38305 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 Jackson area, check out other zip codes nearby 38305.
Review average rates in another zip code:
38305 homeowners insurance rates
38301 homeowners insurance rates

Home Replacement Cost Coverage in 38305

Average Building Cost Per Square Foot in 38305: $135

Location: Jackson, Tennessee (Madison County)

Average Square Footage in 38305: 1,266 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38305 before you start any project. Jackson 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 38305 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 38305 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,266 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 Jackson 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$1351,266$170,900
Additional Upgrades & Added Features$1691,266$213,625
Major Home Updates or Advancements$2031,266$256,350

It's important to understand that when you estimate your replacement cost of your home in the 38305 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 38305

Community Insurance Services Inc

Address: 188 Carriage House Drive Jackson, TN 38305
Phone: (731)668-8054
Website:

Ray Wiggins Agency

Address: 188 Carriage House Drive Jackson, TN 38305
Phone: (731)668-8090
Website:

Associated Insurance Services

Address: 380 Carriage House Drive Suite B Jackson, TN 38305
Phone: (731)664-4750
Website:

American Insurance Company

Address: 47 Conrad Drive Suite 110 Jackson, TN 38305
Phone: (901)293-7271
Website:

Farm Bureau

Address: 4450 Highway 45 North Jackson, TN 38305
Phone: (731)661-9233
Website:

Best Home & Auto Insurance Agencies in 38305

Insurance Mart

Address: 512 Carriage House Dr Jackson, TN 38305
Phone:
Website:
Info:

Advanced Insurance

Address: 105 Devonshire Sq Jackson, TN 38305
Phone:
Website:
Info:

McDonald Insurance Services

Address: 26 Lamar Cir, #6 Jackson, TN 38305
Phone:
Website:
Info:

Nationwide Insurance Company - District Claims Office

Address: 188 Carriage House Dr Jackson, TN 38305
Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
Start saving on car insurance today when you get a free online auto insurance quote or call (888)890-4630. Enjoy the ease of working with Nationwide for your auto insurance needs and our competitive auto insurance rates. car insurance, auto insurance, online auto insurance, auto insurance rates, car insurance quote

Milam- Gregory L - State Farm Insurance Agent

Address: 514 Carriage House Dr Jackson, TN 38305
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 38305

Population Review for 38305 Zip Code

For the city of Jackson, the population within 38305 has increased to over 54,436 residents in population size. The current population total is 52,686. We have broken down the population based on race below. In 38305, there are over 24441 in male population and 28245 females.

PopulationValues
Total Population52,686
White Population30574
Black Population16675
Hispanic Population2997
Asian Population1071
Hawaiian Population8
Indian Population167
Other Population1705
Male Population24441
Female Population28245
Population Estimate54436

Household Data for 38305

The average number of homes in 38305 is around 21,216, there are an average of 2.40 per household. The average house value according to local real estate values is around $170,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode21,216
Persons Per Household2.40
Average House Value$170,900
Income Per Household$58982
Median Age40.1
Median Age Male39.1
Median Age Female41.1
38305 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityJackson
City Alias NameJACKSON
CountyMadison
County FIPS113
State FIPS47
Time Zone6
Day Light SavingY
MSA3580
PMSA
CSA
CBSA27180
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJackson, TN
MSA_NameJackson, TN MSA
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1565
Number Of Employees28226
Business First Quarter Payroll254312
Business Annual Payroll1150064
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population115425
CBSA Division Population0
Congressional District08
Congressional LandArea6850.53
Delivery Residential22682
Delivery Business2081
Delivery Total24504
Preferred Last Line KeyX25353
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX25353
Land Area128.002000
Water Area0.911000
City Alias Code
City Mixed CaseJackson
City Alias Mixed CaseJackson
Box Count0
SFDU18512
MFDU2454
State ANSI47
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number474404
Unique ZIP Name
SSA State County Code44560
Medicare CBSA Code27180
Medicare CBSA NameJackson, TN
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseMadison

Tennessee Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]