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38352 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 38352? There are over 203 occupied homes in the 38352 area. With a population size of 587, it's not uncommon for residence of Luray, TN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Tennessee is around $970 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 38352 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Luray, TN Home Insurance Rate Quotes

38352 Home Insurance Average Premiums

Local 38352 homeowners insurance quotes comparison

$720 /yr.

Shows Zip Code: 38352 lowest rates with discounts applied on average.

For the 38352, 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)		$720 /yr.
Average Coverage:$970 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1270 /yr.

What is the average home insurance cost for a home in 38352?

  • • The average homeowners insurance premium paid annually for a home in 38352 is around $970 per year.

What does it cost on average per month for home insurance in 38352?

  • • Homeowners in 38352 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 38352?

  • • Autoowners in 38352 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 Luray area, check out other zip codes nearby 38352.
Review average rates in another zip code:
38352 homeowners insurance rates

Home Replacement Cost Coverage in 38352

Average Building Cost Per Square Foot in 38352: $135

Location: Luray, Tennessee (Chester County)

Average Square Footage in 38352: 808 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38352 before you start any project. Luray 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 38352 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 38352 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 808 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 Luray 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$135808$109,100
Additional Upgrades & Added Features$169808$136,375
Major Home Updates or Advancements$203808$163,650

It's important to understand that when you estimate your replacement cost of your home in the 38352 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 38352

Best Home & Auto Insurance Agencies in 38352

Housing Demographics for 38352

Population Review for 38352 Zip Code

For the city of Luray, the population within 38352 has increased to over 838 residents in population size. The current population total is 587. We have broken down the population based on race below. In 38352, there are over 323 in male population and 264 females.

PopulationValues
Total Population587
White Population496
Black Population20
Hispanic Population34
Asian Population4
Hawaiian Population0
Indian Population4
Other Population16
Male Population323
Female Population264
Population Estimate838

Household Data for 38352

The average number of homes in 38352 is around 203, there are an average of 2.89 per household. The average house value according to local real estate values is around $109,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode203
Persons Per Household2.89
Average House Value$109,100
Income Per Household$40163
Median Age41.8
Median Age Male42.8
Median Age Female39.8
38352 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityLuray
City Alias NameLURAY
CountyChester
County FIPS023
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 Businesses6
Number Of Employees17
Business First Quarter Payroll127
Business Annual Payroll672
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 Residential290
Delivery Business6
Delivery Total707
Preferred Last Line KeyX25444
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX25444
Land Area18.073000
Water Area0.023000
City Alias Code
City Mixed CaseLuray
City Alias Mixed CaseLuray
Box Count7
SFDU290
MFDU0
State ANSI47
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number475220
Unique ZIP Name
SSA State County Code44110
Medicare CBSA Code27180
Medicare CBSA NameJackson, TN
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseChester

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 […]