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38569 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 38569? There are over 182 occupied homes in the 38569 area. With a population size of 413, it's not uncommon for residence of Lancaster, TN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Tennessee is around $1,008 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 38569 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Lancaster, TN Home Insurance Rate Quotes

38569 Home Insurance Average Premiums

Local 38569 homeowners insurance quotes comparison

$758 /yr.

Shows Zip Code: 38569 lowest rates with discounts applied on average.

For the 38569, 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)		$758 /yr.
Average Coverage:$1008 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1308 /yr.

What is the average home insurance cost for a home in 38569?

  • • The average homeowners insurance premium paid annually for a home in 38569 is around $1008 per year.

What does it cost on average per month for home insurance in 38569?

  • • Homeowners in 38569 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 38569?

  • • Autoowners in 38569 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 Lancaster area, check out other zip codes nearby 38569.
Review average rates in another zip code:
38569 homeowners insurance rates

Home Replacement Cost Coverage in 38569

Average Building Cost Per Square Foot in 38569: $135

Location: Lancaster, Tennessee (Smith County)

Average Square Footage in 38569: 1,222 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38569 before you start any project. Lancaster 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 38569 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 38569 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,222 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 Lancaster 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$1351,222$165,000
Additional Upgrades & Added Features$1691,222$206,250
Major Home Updates or Advancements$2031,222$247,500

It's important to understand that when you estimate your replacement cost of your home in the 38569 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 38569

Best Home & Auto Insurance Agencies in 38569

Housing Demographics for 38569

Population Review for 38569 Zip Code

For the city of Lancaster, the population within 38569 has increased to over 551 residents in population size. The current population total is 413. We have broken down the population based on race below. In 38569, there are over 222 in male population and 191 females.

PopulationValues
Total Population413
White Population376
Black Population7
Hispanic Population10
Asian Population0
Hawaiian Population0
Indian Population5
Other Population5
Male Population222
Female Population191
Population Estimate551

Household Data for 38569

The average number of homes in 38569 is around 182, there are an average of 2.27 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode182
Persons Per Household2.27
Average House Value$165,000
Income Per Household$0
Median Age49.6
Median Age Male49.4
Median Age Female49.9
38569 DetailsValues
StateTN
State Full NameTennessee
City TypeN
City Alias Abbreviation
Area Code615
CityLancaster
City Alias NameLANCASTER
CountySmith
County FIPS159
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA400
CBSA34980
CBSA_DIV
CBSA_TypeMetro
CBSA_NameNashville-Davidson--Murfreesboro--Franklin, TN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees12
Business First Quarter Payroll114
Business Annual Payroll851
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1589934
CBSA Division Population0
Congressional District06
Congressional LandArea6474.21
Delivery Residential243
Delivery Business12
Delivery Total255
Preferred Last Line Key014294
Classification Code
Multi-CountyY
CSA NameNashville-Davidson--Murfreesboro, TN
CBSA_DIV_Name
City State Key014294
Land Area13.413000
Water Area0.345000
City Alias Code
City Mixed CaseLancaster
City Alias Mixed CaseLancaster
Box Count0
SFDU180
MFDU63
State ANSI47
County ANSI159
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number474044
Unique ZIP Name
SSA State County Code44790
Medicare CBSA Code34980
Medicare CBSA NameNashville-Davidson--Murfreesboro--Franklin, TN
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseSmith

Tennessee Homeowners Insurance News & Information

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  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

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  • 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 […]