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38572, TN Home Insurance

In the zip code of 38572, the population size is around 12,193, which consists of 5,370 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Crossville, TN. A few years ago, a study was done and found that the average home insurance rates for Tennessee are around $999 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 38572 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Crossville. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Crossville, TN Homeowners Insurance Online Rates Today!

38572 Home Insurance Average Premiums

Local 38572 homeowners insurance quotes comparison

$749 /yr.

Shows Zip Code: 38572 lowest rates with discounts applied on average.

For the 38572, 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)
$749 /yr.
Average Coverage:$999 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1299 /yr.

What is the average home insurance cost for a home in 38572?

  • • The average homeowners insurance premium paid annually for a home in 38572 is around $999 per year.

What does it cost on average per month for home insurance in 38572?

  • • Homeowners in 38572 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 38572?

  • • Autoowners in 38572 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 Crossville area, check out other zip codes nearby 38572.
Review average rates in another zip code:
38558 homeowners insurance rates
38555 homeowners insurance rates
38572 homeowners insurance rates
38571 homeowners insurance rates

Home Replacement Cost Coverage in 38572

Average Building Cost Per Square Foot in 38572: $135

Location: Crossville, Tennessee (Cumberland County)

Average Square Footage in 38572: 1,110 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38572 before you start any project. Crossville 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 38572 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 38572 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,110 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 Crossville 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$1351,110$149,800
Additional Upgrades & Added Features$1691,110$187,250
Major Home Updates or Advancements$2031,110$224,700

It's important to understand that when you estimate your replacement cost of your home in the 38572 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 38572

Best Home & Auto Insurance Agencies in 38572

Housing Demographics for 38572

Population Review for 38572 Zip Code

For the city of Crossville, the population within 38572 has increased to over 15,022 residents in population size. The current population total is 12,193. We have broken down the population based on race below. In 38572, there are over 6042 in male population and 6151 females.

PopulationValues
Total Population12,193
White Population11443
Black Population27
Hispanic Population285
Asian Population49
Hawaiian Population5
Indian Population29
Other Population101
Male Population6042
Female Population6151
Population Estimate15022

Household Data for 38572

The average number of homes in 38572 is around 5,370, there are an average of 2.26 per household. The average house value according to local real estate values is around $149,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,370
Persons Per Household2.26
Average House Value$149,800
Income Per Household$49148
Median Age52.9
Median Age Male51.3
Median Age Female54.5
38572 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code931
CityCrossville
City Alias NameCROSSVILLE
CountyCumberland
County FIPS035
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA18900
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCrossville, TN
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses85
Number Of Employees407
Business First Quarter Payroll2405
Business Annual Payroll11695
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population56053
CBSA Division Population0
Congressional District04|06
Congressional LandArea5984.84|6474.21
Delivery Residential6647
Delivery Business129
Delivery Total6853
Preferred Last Line KeyX25079
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX25079
Land Area158.504000
Water Area1.358000
City Alias Code
City Mixed CaseCrossville
City Alias Mixed CaseCrossville
Box Count0
SFDU6264
MFDU49
State ANSI47
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number472124
Unique ZIP Name
SSA State County Code44170
Medicare CBSA Code99944
Medicare CBSA NameRural Areas in TN
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseCumberland

Tennessee Homeowners Insurance News & Information

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    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 […]

  • 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 […]