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38553 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 38553 zip code it's important to know that our rates are very competitive for homeowners living in Clarkrange, TN. Many homeowners based out of your 38553 area 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 Tennessee 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 38553 should appear in the zip code field ready to go. For Clarkrange, TN Homeowners Insurance Quotes nearby, we offer the best rates and service.

38553: Average Home Insurance Rates

For homeowners living in the great city of Clarkrange, the average homeowners policy is considered high in comparison to other states. Tennessee premiums are estimated to be around $1003 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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38553 Home Insurance Average Premiums

Local 38553 homeowners insurance quotes comparison

$753 /yr.

Shows Zip Code: 38553 lowest rates with discounts applied on average.

For the 38553, 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)		$753 /yr.
Average Coverage:$1003 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1303 /yr.

What is the average home insurance cost for a home in 38553?

  • • The average homeowners insurance premium paid annually for a home in 38553 is around $1003 per year.

What does it cost on average per month for home insurance in 38553?

  • • Homeowners in 38553 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 38553?

  • • Autoowners in 38553 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 Clarkrange area, check out other zip codes nearby 38553.
Review average rates in another zip code:
38553 homeowners insurance rates

Home Replacement Cost Coverage in 38553

Average Building Cost Per Square Foot in 38553: $135

Location: Clarkrange, Tennessee (Fentress County)

Average Square Footage in 38553: 1,029 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38553 before you start any project. Clarkrange 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 38553 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 38553 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,029 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 Clarkrange 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$1351,029$138,900
Additional Upgrades & Added Features$1691,029$173,625
Major Home Updates or Advancements$2031,029$208,350

It's important to understand that when you estimate your replacement cost of your home in the 38553 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 38553

Best Home & Auto Insurance Agencies in 38553

Housing Demographics for 38553

Population Review for 38553 Zip Code

For the city of Clarkrange, the population within 38553 has increased to over 2,780 residents in population size. The current population total is 2,462. We have broken down the population based on race below. In 38553, there are over 1227 in male population and 1235 females.

PopulationValues
Total Population2,462
White Population2329
Black Population2
Hispanic Population60
Asian Population2
Hawaiian Population0
Indian Population7
Other Population19
Male Population1227
Female Population1235
Population Estimate2780

Household Data for 38553

The average number of homes in 38553 is around 974, there are an average of 2.53 per household. The average house value according to local real estate values is around $138,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode974
Persons Per Household2.53
Average House Value$138,900
Income Per Household$48528
Median Age43.5
Median Age Male38.0
Median Age Female47.1
38553 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code931
CityClarkrange
City Alias NameCLARKRANGE
CountyFentress
County FIPS049
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 Businesses36
Number Of Employees263
Business First Quarter Payroll1817
Business Annual Payroll6869
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 District06
Congressional LandArea6474.21
Delivery Residential1099
Delivery Business49
Delivery Total1312
Preferred Last Line KeyX25014
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25014
Land Area48.093000
Water Area0.000000
City Alias Code
City Mixed CaseClarkrange
City Alias Mixed CaseClarkrange
Box Count136
SFDU1099
MFDU0
State ANSI47
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number471668
Unique ZIP Name
SSA State County Code44240
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseFentress

Tennessee Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]