Get multiple home insurance quotes in 38305. Our licensed 38305, TN agents are ready to serve you.

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

Ray Wiggins Agency

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

Community Insurance Services Inc

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

Allstate Insurance - Wayne Foropoulos

Address: 620 Old Hickory Blvd. Ste. 100 Jackson, TN 38305
Phone: (731)664-2888
Website:

American National

Address: 18 Brentshire Square Suite A Jackson, TN 38305
Phone: (731)664-8405
Website:

American Insurance Company

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

Best Home & Auto Insurance Agencies in 38305

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

Graves Billy Insurance

Address: 2817 N Highland Ave Jackson, TN 38305
Phone:
Website:
Info:

Little Jeremy D Insurance

Address: 180 W University Pky Jackson, TN 38305
Phone:
Website: http://www.shelterinsurance.com
Info: Affordable Car Insurance | Car Insurance Online | Shelter Insurance
Get affordable car insurance from Shelter Insurance today! We also offer renters insurance, life insurance, home insurance, and more. Car insurance, car insurance quotes, free car insurance quotes, car insurance quote, affordable car insurance, car insurance online, affordable car insurance free online quotes, discount car insurance, online car insurance quotes, car insurance for young

Darby- Ronald R - State Farm Insurance Agent

Address: 130 Stonebridge Blvd 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

Anderson- Countance P

Address: 176 W University Pky 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

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]