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38455 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 38455 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Elkton, TN quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 38455.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 38455 and start shopping.

Quickly and Easily Compare Average Rates for 38455

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Elkton, TN home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 38455

Homeowners in Elkton are paying roughly $990 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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38455 Home Insurance Average Premiums

Local 38455 homeowners insurance quotes comparison

$740 /yr.

Shows Zip Code: 38455 lowest rates with discounts applied on average.

For the 38455, 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)		$740 /yr.
Average Coverage:$990 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1290 /yr.

What is the average home insurance cost for a home in 38455?

  • • The average homeowners insurance premium paid annually for a home in 38455 is around $990 per year.

What does it cost on average per month for home insurance in 38455?

  • • Homeowners in 38455 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 38455?

  • • Autoowners in 38455 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 Elkton area, check out other zip codes nearby 38455.
Review average rates in another zip code:
38455 homeowners insurance rates

Home Replacement Cost Coverage in 38455

Average Building Cost Per Square Foot in 38455: $135

Location: Elkton, Tennessee (Giles County)

Average Square Footage in 38455: 880 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38455 before you start any project. Elkton 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 38455 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 38455 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 880 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 Elkton 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$135880$118,800
Additional Upgrades & Added Features$169880$148,500
Major Home Updates or Advancements$203880$178,200

It's important to understand that when you estimate your replacement cost of your home in the 38455 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 38455

Best Home & Auto Insurance Agencies in 38455

Housing Demographics for 38455

Population Review for 38455 Zip Code

For the city of Elkton, the population within 38455 has increased to over 0 residents in population size. The current population total is 80. We have broken down the population based on race below. In 38455, there are over 19 in male population and 61 females.

PopulationValues
Total Population80
White Population52
Black Population27
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population19
Female Population61
Population Estimate0

Household Data for 38455

The average number of homes in 38455 is around 35, there are an average of 2.29 per household. The average house value according to local real estate values is around $118,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode35
Persons Per Household2.29
Average House Value$118,800
Income Per Household$0
Median Age45.0
Median Age Male21.5
Median Age Female51.2
38455 DetailsValues
StateTN
State Full NameTennessee
City TypeZ
City Alias Abbreviation
Area Code931
CityElkton
City Alias NameELKTON
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 Businesses5
Number Of Employees12
Business First Quarter Payroll122
Business Annual Payroll535
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 Residential0
Delivery Business0
Delivery Total134
Preferred Last Line KeyX25159
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25159
Land Area0.282000
Water Area0.000000
City Alias Code
City Mixed CaseElkton
City Alias Mixed CaseElkton
Box Count117
SFDU0
MFDU0
State ANSI47
County ANSI055
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number472808
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 […]