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38425 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 38425? There are over 730 occupied homes in the 38425 area. With a population size of 3,578, it's not uncommon for residence of Clifton, 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 $996 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 38425 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: Clifton, TN Home Insurance Rate Quotes

38425 Home Insurance Average Premiums

Local 38425 homeowners insurance quotes comparison

$746 /yr.

Shows Zip Code: 38425 lowest rates with discounts applied on average.

For the 38425, 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)		$746 /yr.
Average Coverage:$996 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1296 /yr.

What is the average home insurance cost for a home in 38425?

  • • The average homeowners insurance premium paid annually for a home in 38425 is around $996 per year.

What does it cost on average per month for home insurance in 38425?

  • • Homeowners in 38425 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 38425?

  • • Autoowners in 38425 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 Clifton area, check out other zip codes nearby 38425.
Review average rates in another zip code:
38425 homeowners insurance rates

Home Replacement Cost Coverage in 38425

Average Building Cost Per Square Foot in 38425: $135

Location: Clifton, Tennessee (Wayne County)

Average Square Footage in 38425: 1,021 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38425 before you start any project. Clifton 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 38425 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 38425 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,021 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 Clifton 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$1351,021$137,900
Additional Upgrades & Added Features$1691,021$172,375
Major Home Updates or Advancements$2031,021$206,850

It's important to understand that when you estimate your replacement cost of your home in the 38425 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 38425

Best Home & Auto Insurance Agencies in 38425

Housing Demographics for 38425

Population Review for 38425 Zip Code

For the city of Clifton, the population within 38425 has increased to over 1,914 residents in population size. The current population total is 3,578. We have broken down the population based on race below. In 38425, there are over 2775 in male population and 803 females.

PopulationValues
Total Population3,578
White Population2618
Black Population797
Hispanic Population106
Asian Population0
Hawaiian Population0
Indian Population8
Other Population79
Male Population2775
Female Population803
Population Estimate1914

Household Data for 38425

The average number of homes in 38425 is around 730, there are an average of 2.29 per household. The average house value according to local real estate values is around $137,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode730
Persons Per Household2.29
Average House Value$137,900
Income Per Household$45701
Median Age43.0
Median Age Male42.1
Median Age Female46.8
38425 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code931
CityClifton
City Alias NameCLIFTON
CountyWayne
County FIPS181
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 Businesses31
Number Of Employees497
Business First Quarter Payroll5238
Business Annual Payroll22748
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 Residential836
Delivery Business20
Delivery Total1151
Preferred Last Line KeyX25024
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25024
Land Area103.585000
Water Area3.036000
City Alias Code
City Mixed CaseClifton
City Alias Mixed CaseClifton
Box Count256
SFDU796
MFDU0
State ANSI47
County ANSI181
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number471716
Unique ZIP Name
SSA State County Code44900
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseWayne

Tennessee Homeowners Insurance News & Information

  • 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 […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]