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38374 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 38374 zip code it's important to know that our rates are very competitive for homeowners living in Scotts Hill, TN. Many homeowners based out of your 38374 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 38374 should appear in the zip code field ready to go. For Scotts Hill, TN Homeowners Insurance Quotes nearby, we offer the best rates and service.

38374: Average Home Insurance Rates

For homeowners living in the great city of Scotts Hill, the average homeowners policy is considered high in comparison to other states. Tennessee premiums are estimated to be around $980 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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38374 Home Insurance Average Premiums

Local 38374 homeowners insurance quotes comparison

$730 /yr.

Shows Zip Code: 38374 lowest rates with discounts applied on average.

For the 38374, 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)		$730 /yr.
Average Coverage:$980 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1280 /yr.

What is the average home insurance cost for a home in 38374?

  • • The average homeowners insurance premium paid annually for a home in 38374 is around $980 per year.

What does it cost on average per month for home insurance in 38374?

  • • Homeowners in 38374 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 38374?

  • • Autoowners in 38374 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 Scotts Hill area, check out other zip codes nearby 38374.
Review average rates in another zip code:
38374 homeowners insurance rates

Home Replacement Cost Coverage in 38374

Average Building Cost Per Square Foot in 38374: $135

Location: Scotts Hill, Tennessee (Decatur County)

Average Square Footage in 38374: 817 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38374 before you start any project. Scotts Hill 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 38374 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 38374 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 817 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 Scotts Hill 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$135817$110,300
Additional Upgrades & Added Features$169817$137,875
Major Home Updates or Advancements$203817$165,450

It's important to understand that when you estimate your replacement cost of your home in the 38374 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 38374

Best Home & Auto Insurance Agencies in 38374

Housing Demographics for 38374

Population Review for 38374 Zip Code

For the city of Scotts Hill, the population within 38374 has increased to over 2,008 residents in population size. The current population total is 1,848. We have broken down the population based on race below. In 38374, there are over 940 in male population and 908 females.

PopulationValues
Total Population1,848
White Population1783
Black Population8
Hispanic Population20
Asian Population2
Hawaiian Population0
Indian Population1
Other Population6
Male Population940
Female Population908
Population Estimate2008

Household Data for 38374

The average number of homes in 38374 is around 782, there are an average of 2.36 per household. The average house value according to local real estate values is around $110,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode782
Persons Per Household2.36
Average House Value$110,300
Income Per Household$33833
Median Age46.1
Median Age Male45.8
Median Age Female46.8
38374 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityScotts Hill
City Alias NameSCOTTS HILL
CountyDecatur
County FIPS039
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 Businesses30
Number Of Employees169
Business First Quarter Payroll1099
Business Annual Payroll5122
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|08
Congressional LandArea9160.44|6850.53
Delivery Residential851
Delivery Business37
Delivery Total1414
Preferred Last Line KeyX25737
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX25737
Land Area44.891000
Water Area0.099000
City Alias Code
City Mixed CaseScotts Hill
City Alias Mixed CaseScotts Hill
Box Count98
SFDU839
MFDU0
State ANSI47
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number477632
Unique ZIP Name
SSA State County Code44190
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseDecatur

Tennessee Homeowners Insurance News & Information

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  • 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 […]