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38376 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 38376? Our rates are very competitive for homeowners living in Shiloh, TN. Many homeowners based out of your 38376 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 homeowners 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 38376 should appear in the zip code field ready to go. For Shiloh, TN Home Insurance Rate Quotes click to review the best rates and service online!

38376 Average Premium is Rated: High!

Homeowners living in 38376 can easily save up to 40% off the average home insurance premium of $962 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Shiloh that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 38376 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 38376!

38376 Home Insurance Average Premiums

Local 38376 homeowners insurance quotes comparison

$712 /yr.

Shows Zip Code: 38376 lowest rates with discounts applied on average.

For the 38376, 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)
$712 /yr.
Average Coverage:$962 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1262 /yr.

What is the average home insurance cost for a home in 38376?

  • • The average homeowners insurance premium paid annually for a home in 38376 is around $962 per year.

What does it cost on average per month for home insurance in 38376?

  • • Homeowners in 38376 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 38376?

  • • Autoowners in 38376 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 Shiloh area, check out other zip codes nearby 38376.
Review average rates in another zip code:
38376 homeowners insurance rates

Home Replacement Cost Coverage in 38376

Average Building Cost Per Square Foot in 38376: $135

Location: Shiloh, Tennessee (Hardin County)

Average Square Footage in 38376: 493 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38376 before you start any project. Shiloh 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 38376 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 38376 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 493 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 Shiloh 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$135493$66,600
Additional Upgrades & Added Features$169493$83,250
Major Home Updates or Advancements$203493$99,900

It's important to understand that when you estimate your replacement cost of your home in the 38376 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 38376

Best Home & Auto Insurance Agencies in 38376

Housing Demographics for 38376

Population Review for 38376 Zip Code

For the city of Shiloh, the population within 38376 has increased to over 312 residents in population size. The current population total is 337. We have broken down the population based on race below. In 38376, there are over 177 in male population and 160 females.

PopulationValues
Total Population337
White Population316
Black Population5
Hispanic Population8
Asian Population3
Hawaiian Population0
Indian Population0
Other Population4
Male Population177
Female Population160
Population Estimate312

Household Data for 38376

The average number of homes in 38376 is around 138, there are an average of 2.44 per household. The average house value according to local real estate values is around $66,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode138
Persons Per Household2.44
Average House Value$66,600
Income Per Household$32346
Median Age50.5
Median Age Male51.9
Median Age Female48.3
38376 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code731
CityShiloh
City Alias NameSHILOH
CountyHardin
County FIPS071
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 Employees44
Business First Quarter Payroll189
Business Annual Payroll1048
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 District08
Congressional LandArea6850.53
Delivery Residential128
Delivery Business5
Delivery Total225
Preferred Last Line KeyX25757
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX25757
Land Area12.996000
Water Area0.291000
City Alias Code
City Mixed CaseShiloh
City Alias Mixed CaseShiloh
Box Count32
SFDU128
MFDU0
State ANSI47
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number477848
Unique ZIP Name
SSA State County Code44350
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseHardin

Tennessee Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]