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Homeowners Insurance coverage in 38453

If you are a homeowner in 38453 or Dellrose, TN you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Dellrose.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 38453.

Learn more about our homeowners insurance shopping service by selecting the best Dellrose, TN Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 38453?

Residents of Dellrose have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Tennessee? While Tennessee is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Tennessee comes in at 21 in the country for homeowners insurance premiums.

If you are living in 38453 zipcode, expect to pay around $956 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Dellrose does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

38453 Home Insurance Average Premiums

Local 38453 homeowners insurance quotes comparison

$706 /yr.

Shows Zip Code: 38453 lowest rates with discounts applied on average.

For the 38453, 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)
$706 /yr.
Average Coverage:$956 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1256 /yr.

What is the average home insurance cost for a home in 38453?

  • • The average homeowners insurance premium paid annually for a home in 38453 is around $956 per year.

What does it cost on average per month for home insurance in 38453?

  • • Homeowners in 38453 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 38453?

  • • Autoowners in 38453 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 Dellrose area, check out other zip codes nearby 38453.
Review average rates in another zip code:
38453 homeowners insurance rates

Home Replacement Cost Coverage in 38453

Average Building Cost Per Square Foot in 38453: $135

Location: Dellrose, Tennessee (Lincoln County)

Average Square Footage in 38453: 3,185 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38453 before you start any project. Dellrose 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 38453 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 38453 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,185 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 Dellrose 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$1353,185$430,000
Additional Upgrades & Added Features$1693,185$537,500
Major Home Updates or Advancements$2033,185$645,000

It's important to understand that when you estimate your replacement cost of your home in the 38453 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 38453

Best Home & Auto Insurance Agencies in 38453

Housing Demographics for 38453

Population Review for 38453 Zip Code

For the city of Dellrose, the population within 38453 has increased to over 483 residents in population size. The current population total is 395. We have broken down the population based on race below. In 38453, there are over 216 in male population and 179 females.

PopulationValues
Total Population395
White Population348
Black Population7
Hispanic Population3
Asian Population0
Hawaiian Population0
Indian Population3
Other Population0
Male Population216
Female Population179
Population Estimate483

Household Data for 38453

The average number of homes in 38453 is around 178, there are an average of 2.22 per household. The average house value according to local real estate values is around $430,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode178
Persons Per Household2.22
Average House Value$430,000
Income Per Household$0
Median Age48.5
Median Age Male47.5
Median Age Female49.1
38453 DetailsValues
StateTN
State Full NameTennessee
City TypeN
City Alias Abbreviation
Area Code931
CityDellrose
City Alias NameDELLROSE
CountyLincoln
County FIPS103
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA290
CBSA22190
CBSA_DIV
CBSA_TypeMicro
CBSA_NameFayetteville, TN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees20
Business First Quarter Payroll48
Business Annual Payroll235
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 Residential218
Delivery Business5
Delivery Total223
Preferred Last Line KeyX25105
Classification Code
Multi-County
CSA NameHuntsville-Decatur-Albertville, AL-TN
CBSA_DIV_Name
City State KeyX25105
Land Area17.399000
Water Area0.000000
City Alias Code
City Mixed CaseDellrose
City Alias Mixed CaseDellrose
Box Count0
SFDU218
MFDU0
State ANSI47
County ANSI103
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number470252
Unique ZIP Name
SSA State County Code44510
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseLincoln

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 […]