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Compare 38449 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Ardmore just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 1,189 neighbors looking to save on their home insurance policy in the local 38449 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 38449. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Tennessee rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Ardmore, TN home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Ardmore, TN

38449 Home Insurance Average Premiums

Local 38449 homeowners insurance quotes comparison

$750 /yr.

Shows Zip Code: 38449 lowest rates with discounts applied on average.

For the 38449, 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)		$750 /yr.
Average Coverage:$1000 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1300 /yr.

What is the average home insurance cost for a home in 38449?

  • • The average homeowners insurance premium paid annually for a home in 38449 is around $1000 per year.

What does it cost on average per month for home insurance in 38449?

  • • Homeowners in 38449 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 38449?

  • • Autoowners in 38449 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 Ardmore area, check out other zip codes nearby 38449.
Review average rates in another zip code:
38449 homeowners insurance rates

Home Replacement Cost Coverage in 38449

Average Building Cost Per Square Foot in 38449: $135

Location: Ardmore, Tennessee (Giles County)

Average Square Footage in 38449: 1,026 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38449 before you start any project. Ardmore 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 38449 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 38449 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,026 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 Ardmore 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$1351,026$138,500
Additional Upgrades & Added Features$1691,026$173,125
Major Home Updates or Advancements$2031,026$207,750

It's important to understand that when you estimate your replacement cost of your home in the 38449 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 38449

Best Home & Auto Insurance Agencies in 38449

Housing Demographics for 38449

Population Review for 38449 Zip Code

For the city of Ardmore, the population within 38449 has increased to over 3,309 residents in population size. The current population total is 3,001. We have broken down the population based on race below. In 38449, there are over 1454 in male population and 1547 females.

PopulationValues
Total Population3,001
White Population2713
Black Population79
Hispanic Population70
Asian Population22
Hawaiian Population1
Indian Population6
Other Population16
Male Population1454
Female Population1547
Population Estimate3309

Household Data for 38449

The average number of homes in 38449 is around 1,189, there are an average of 2.49 per household. The average house value according to local real estate values is around $138,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,189
Persons Per Household2.49
Average House Value$138,500
Income Per Household$54000
Median Age47.0
Median Age Male47.0
Median Age Female47.0
38449 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code931
CityArdmore
City Alias NameARDMORE
CountyGiles
County FIPS055
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 Businesses63
Number Of Employees587
Business First Quarter Payroll3964
Business Annual Payroll16715
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 District04
Congressional LandArea5984.84
Delivery Residential1329
Delivery Business104
Delivery Total1861
Preferred Last Line KeyX24873
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX24873
Land Area58.561000
Water Area0.061000
City Alias Code
City Mixed CaseArdmore
City Alias Mixed CaseArdmore
Box Count316
SFDU1282
MFDU0
State ANSI47
County ANSI055
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number470252
Unique ZIP Name
SSA State County Code44270
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseGiles

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 […]