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If you live in the 38318 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Buena Vista have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
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38318 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 38318 the average premium for homeowners coverage is $1008 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 38318. 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.
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38318 Home Insurance Average Premiums
$758 /yr.
Shows Zip Code: 38318 lowest rates with discounts applied on average.
For the 38318, 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) | $758 /yr. |
| Average Coverage: | $1008 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1308 /yr. |
What is the average home insurance cost for a home in 38318?
- • The average homeowners insurance premium paid annually for a home in 38318 is around $1008 per year.
What does it cost on average per month for home insurance in 38318?
- • Homeowners in 38318 pay a monthly average cost per month around $84.00.
What kind of discount could I get if I combine my home and auto insurance together in 38318?
- • Autoowners in 38318 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 Buena Vista area, check out other zip codes nearby 38318.
Review average rates in another zip code:
38318 homeowners insurance rates
Home Replacement Cost Coverage in 38318
Average Building Cost Per Square Foot in 38318: $135
Location: Buena Vista, Tennessee (Carroll County)Average Square Footage in 38318: 1,222 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 38318 before you start any project. Buena Vista 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 38318 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 38318 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,222 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 Buena Vista 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 | 1,222 | $165,000 |
| Additional Upgrades & Added Features | $169 | 1,222 | $206,250 |
| Major Home Updates or Advancements | $203 | 1,222 | $247,500 |
It's important to understand that when you estimate your replacement cost of your home in the 38318 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 38318
Best Home & Auto Insurance Agencies in 38318
Housing Demographics for 38318
Population Review for 38318 Zip Code
For the city of Buena Vista, the population within 38318 has increased to over 638 residents in population size. The current population total is 511. We have broken down the population based on race below. In 38318, there are over 263 in male population and 248 females.
| Population | Values |
|---|---|
| Total Population | 511 |
| White Population | 435 |
| Black Population | 32 |
| Hispanic Population | 13 |
| Asian Population | 3 |
| Hawaiian Population | 0 |
| Indian Population | 3 |
| Other Population | 0 |
| Male Population | 263 |
| Female Population | 248 |
| Population Estimate | 638 |
Household Data for 38318
The average number of homes in 38318 is around 193, there are an average of 2.65 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 193 |
| Persons Per Household | 2.65 |
| Average House Value | $165,000 |
| Income Per Household | $77589 |
| Median Age | 47.1 |
| Median Age Male | 44.9 |
| Median Age Female | 51.8 |
| 38318 Details | Values |
|---|---|
| State | TN |
| State Full Name | Tennessee |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 731 |
| City | Buena Vista |
| City Alias Name | BUENA VISTA |
| County | Carroll |
| County FIPS | 017 |
| State FIPS | 47 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 0 |
| Number Of Employees | 0 |
| Business First Quarter Payroll | 0 |
| Business Annual Payroll | 0 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 07|08 |
| Congressional LandArea | 9160.44|6850.53 |
| Delivery Residential | 241 |
| Delivery Business | 1 |
| Delivery Total | 249 |
| Preferred Last Line Key | X24964 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X24964 |
| Land Area | 42.184000 |
| Water Area | 0.039000 |
| City Alias Code | |
| City Mixed Case | Buena Vista |
| City Alias Mixed Case | Buena Vista |
| Box Count | 3 |
| SFDU | 241 |
| MFDU | 0 |
| State ANSI | 47 |
| County ANSI | 017 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 471164 |
| Unique ZIP Name | |
| SSA State County Code | 44080 |
| Medicare CBSA Code | 99944 |
| Medicare CBSA Name | Rural Areas in TN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Carroll |
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