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38333 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 38333 zip code it's important to know that our rates are very competitive for homeowners living in Eva, TN. Many homeowners based out of your 38333 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Tennessee licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 38333 should appear in the zip code field ready to go. For Eva, TN Homeowners Insurance Quotes nearby, we offer the best rates and service.

38333: Average Home Insurance Rates

For homeowners living in the great city of Eva, the average homeowners policy is considered high in comparison to other states. Tennessee premiums are estimated to be around $1008 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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38333 Home Insurance Average Premiums

Local 38333 homeowners insurance quotes comparison

$758 /yr.

Shows Zip Code: 38333 lowest rates with discounts applied on average.

For the 38333, 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 38333?

  • • The average homeowners insurance premium paid annually for a home in 38333 is around $1008 per year.

What does it cost on average per month for home insurance in 38333?

  • • Homeowners in 38333 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 38333?

  • • Autoowners in 38333 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 Eva area, check out other zip codes nearby 38333.
Review average rates in another zip code:
38333 homeowners insurance rates

Home Replacement Cost Coverage in 38333

Average Building Cost Per Square Foot in 38333: $135

Location: Eva, Tennessee (Benton County)

Average Square Footage in 38333: 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 38333 before you start any project. Eva 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 38333 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 38333 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 Eva 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$1351,222$165,000
Additional Upgrades & Added Features$1691,222$206,250
Major Home Updates or Advancements$2031,222$247,500

It's important to understand that when you estimate your replacement cost of your home in the 38333 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 38333

Best Home & Auto Insurance Agencies in 38333

Housing Demographics for 38333

Population Review for 38333 Zip Code

For the city of Eva, the population within 38333 has increased to over 441 residents in population size. The current population total is 427. We have broken down the population based on race below. In 38333, there are over 182 in male population and 245 females.

PopulationValues
Total Population427
White Population403
Black Population1
Hispanic Population11
Asian Population3
Hawaiian Population0
Indian Population1
Other Population3
Male Population182
Female Population245
Population Estimate441

Household Data for 38333

The average number of homes in 38333 is around 224, there are an average of 1.91 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 DataValues
Households Per Zipcode224
Persons Per Household1.91
Average House Value$165,000
Income Per Household$42344
Median Age53.8
Median Age Male52.0
Median Age Female55.4
38333 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityEva
City Alias NameEVA
CountyBenton
County FIPS005
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees17
Business First Quarter Payroll67
Business Annual Payroll415
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District07
Congressional LandArea9160.44
Delivery Residential231
Delivery Business4
Delivery Total269
Preferred Last Line KeyX25178
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25178
Land Area24.728000
Water Area14.504000
City Alias Code
City Mixed CaseEva
City Alias Mixed CaseEva
Box Count30
SFDU231
MFDU0
State ANSI47
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number473000
Unique ZIP Name
SSA State County Code44020
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseBenton

Tennessee Homeowners Insurance News & Information

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    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 […]

  • 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 […]

  • 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 […]