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Home Insurance in 38471

Our rates are very competitive for homeowners living in the 38471 zip code. Many homeowners based out of Lutts, TN 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 home insurance quotes are free and our TN 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 38471 should appear in the zip code field ready to go.

38471 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Lutts area? The average homeowners premium in 38471 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 38471, you can expect to pay around $964 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 38471 Today!

Get Home Insurance Quotes in 38471

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Tennessee. Start your 38471 home insurance shopping today!

  1. Lutts, TN Home Insurance Quotes

38471 Home Insurance Average Premiums

Local 38471 homeowners insurance quotes comparison

$714 /yr.

Shows Zip Code: 38471 lowest rates with discounts applied on average.

For the 38471, 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)		$714 /yr.
Average Coverage:$964 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1264 /yr.

What is the average home insurance cost for a home in 38471?

  • • The average homeowners insurance premium paid annually for a home in 38471 is around $964 per year.

What does it cost on average per month for home insurance in 38471?

  • • Homeowners in 38471 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 38471?

  • • Autoowners in 38471 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 Lutts area, check out other zip codes nearby 38471.
Review average rates in another zip code:
38471 homeowners insurance rates

Home Replacement Cost Coverage in 38471

Average Building Cost Per Square Foot in 38471: $135

Location: Lutts, Tennessee (Wayne County)

Average Square Footage in 38471: 756 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38471 before you start any project. Lutts 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 38471 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 38471 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 756 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 Lutts 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$135756$102,100
Additional Upgrades & Added Features$169756$127,625
Major Home Updates or Advancements$203756$153,150

It's important to understand that when you estimate your replacement cost of your home in the 38471 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 38471

Best Home & Auto Insurance Agencies in 38471

Housing Demographics for 38471

Population Review for 38471 Zip Code

For the city of Lutts, the population within 38471 has increased to over 636 residents in population size. The current population total is 512. We have broken down the population based on race below. In 38471, there are over 278 in male population and 234 females.

PopulationValues
Total Population512
White Population485
Black Population0
Hispanic Population10
Asian Population3
Hawaiian Population1
Indian Population1
Other Population6
Male Population278
Female Population234
Population Estimate636

Household Data for 38471

The average number of homes in 38471 is around 219, there are an average of 2.34 per household. The average house value according to local real estate values is around $102,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode219
Persons Per Household2.34
Average House Value$102,100
Income Per Household$42125
Median Age50.3
Median Age Male48.8
Median Age Female51.6
38471 DetailsValues
StateTN
State Full NameTennessee
City TypeN
City Alias Abbreviation
Area Code931
CityLutts
City Alias NameLUTTS
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 Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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
Congressional LandArea9160.44
Delivery Residential272
Delivery Business7
Delivery Total310
Preferred Last Line Key020257
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key020257
Land Area74.661000
Water Area0.057000
City Alias Code
City Mixed CaseLutts
City Alias Mixed CaseLutts
Box Count0
SFDU272
MFDU0
State ANSI47
County ANSI181
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number471848
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

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