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38485 Home Insurance Rates & Premiums

Did you know there are over 6,289 people living within the 38485 zip code area? There are over 2,602 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 38485.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Tennessee are on the rise. The estimated average premium is around $980 a year for a standard homeowners insurance policy in Waynesboro. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Waynesboro, TN Homeowners Insurance Quotes Online

38485 Home Insurance Average Premiums

Local 38485 homeowners insurance quotes comparison

$730 /yr.

Shows Zip Code: 38485 lowest rates with discounts applied on average.

For the 38485, 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)		$730 /yr.
Average Coverage:$980 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1280 /yr.

What is the average home insurance cost for a home in 38485?

  • • The average homeowners insurance premium paid annually for a home in 38485 is around $980 per year.

What does it cost on average per month for home insurance in 38485?

  • • Homeowners in 38485 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 38485?

  • • Autoowners in 38485 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 Waynesboro area, check out other zip codes nearby 38485.
Review average rates in another zip code:
38485 homeowners insurance rates

Home Replacement Cost Coverage in 38485

Average Building Cost Per Square Foot in 38485: $135

Location: Waynesboro, Tennessee (Wayne County)

Average Square Footage in 38485: 816 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38485 before you start any project. Waynesboro 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 38485 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 38485 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 816 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 Waynesboro 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$135816$110,200
Additional Upgrades & Added Features$169816$137,750
Major Home Updates or Advancements$203816$165,300

It's important to understand that when you estimate your replacement cost of your home in the 38485 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 38485

Best Home & Auto Insurance Agencies in 38485

Housing Demographics for 38485

Population Review for 38485 Zip Code

For the city of Waynesboro, the population within 38485 has increased to over 6,239 residents in population size. The current population total is 6,289. We have broken down the population based on race below. In 38485, there are over 3139 in male population and 3150 females.

PopulationValues
Total Population6,289
White Population5920
Black Population81
Hispanic Population109
Asian Population20
Hawaiian Population1
Indian Population11
Other Population71
Male Population3139
Female Population3150
Population Estimate6239

Household Data for 38485

The average number of homes in 38485 is around 2,602, there are an average of 2.31 per household. The average house value according to local real estate values is around $110,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,602
Persons Per Household2.31
Average House Value$110,200
Income Per Household$52823
Median Age45.8
Median Age Male42.8
Median Age Female48.1
38485 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code931
CityWaynesboro
City Alias NameWAYNESBORO
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 Businesses137
Number Of Employees1706
Business First Quarter Payroll14246
Business Annual Payroll61055
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 District05|07
Congressional LandArea1248.57|9160.44
Delivery Residential2701
Delivery Business106
Delivery Total3392
Preferred Last Line KeyX25928
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX25928
Land Area282.431000
Water Area0.015000
City Alias Code
City Mixed CaseWaynesboro
City Alias Mixed CaseWaynesboro
Box Count432
SFDU2590
MFDU63
State ANSI47
County ANSI181
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number479036
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

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    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 […]