White Pine, TN Home Insurance Quotes!

White Pine is a great town to live with only 13,336 people living within the city limits. While the popluation size may be consider small, White Pine packs a big punch with roughly 2,620 households per zip code making this area very competitive for home insurance companies. The average number of residents living within the occupied homes is around 3, but that number can vary depending on the housing construction and property type.

White Pine really shines when it comes to the average household income, our median income recently hit the $48,378 mark, which puts it pretty close to the national average. This amount of income goes a long way in the White Pine housing market since the median house price is $144,800.

We Also Have Cheap Homeowners Insurance in White Pine

The residents of White Pine are very lucky when it comes to the cost of homeowners insurance. Recent data indicates that the average policy cost homeowners in White Pine, $1,296 per year. Did you know the national average is $1,311. At GetHomeInsuranceQuotes.com, we shop the best rates and coverage options, homeowners in White Pine pay a much cheaper rate as low as $715 per year. Average rates for homeowners living in a 1,850 square foot home or bigger usually pay around $965 for a standard HO-3 policy. Large homes with much higher heated square footage pay around $1265 per year. Enter your zip code to start shopping quotes with us or give us a call now at 855-976-2656!

What are the insurance coverage types for homes in White Pine?

The thing about White Pine homeowners insurance that many people don't know is that it comes in a variety of different types, each one designed for the type of housing unit it protects.

Here is the information you need to know about the different homeowner insurance types in White Pine, TN:

HO-3: The majority of homeowners policies that are in force in White Pine, and most other places, are HO-3 type policies. The policies cover damage from any peril that is not specifically excluded in the policy details. HO-3 policies only protect your personal property from specific perils that are listed in the policy. As with most homeowner policies, flooding and earthquake damage are excluded.

Be sure to read your policy in full and understand any other exclusions that apply to your coverage.

HO-6: These policies are written especially for condos and co-op buildings. They provide protection for all of your personal property as well as the parts of the building that are your property, such as the walls and mechanicals of your particular unit.

HO-8: If you love older homes, this type of policy is for you. It protects older, historical homes where the cost to rebuild or replace the home exceeds the value of the house.

The fact that these policies will have a payout that is lower than the cost to replace the house makes them affordable. These policies are usually written because the home is too old to qualify for a traditional HO-3 policy. The main disadvantage is the fact that these policies only cover damage from 11 specific perils.

HO-4: If you are renting an apartment, you still need protection for your personal property and liability protection in the event that someone is injured in your apartment.

A HO-4 policy offers the protection that you need when living in an apartment. If your personal property is damaged or destroyed, you will be covered and it will also cover the medical bills and any legal bills if someone is injured while visiting you.

Compare Homeowners Insurance Rates in White Pine, TN!

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Average Rates Nearby White Pine

Are you looking for homeowners insurance in a city near White Pine? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in White Pine, TN

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in White Pine.

37890,

White Pine, TN Home Insurance Average Premiums

Local White Pine, TN home insurance quotes comparison

$715 /yr.

Shows White Pine's lowest average rates with discounts applied.

For the city of White Pine, 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)	$715 /yr.
Average Coverage:	$965 /yr.
2600 sq. ft. or higher (all discounts applied)	$1265 /yr.

What is the average home insurance cost for a home in White Pine, TN?

• The average homeowners insurance premium paid annually for a home in White Pine is around $965 per year.

What does it cost on average per month for home insurance in White Pine, TN?

• Homeowners in White Pine pay an average cost per month around $80.00 for insurance coverage.

White Pine, TN - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$186,300	$167,143
February	$188,341	$170,413
March	$191,119	$174,215
April	$192,212	$177,695

Homeowners insurance will help cover the cost to repair or replace your White Pine home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in White Pine
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive White Pine, TN homeowners insurance rates all in one place!

Saving Money Tips on White Pine Home Insurance

A great way to save money on White Pine homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the White Pine area? Check out what homeowners are paying on average for Tennessee homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1026 ft.	This is the average home elevation in White Pine, TN	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Tennessee flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in White Pine, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Jefferson County.

Tennessee Homeowners Insurance News & Information

2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]
2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
Will Citizens Policyholders See a Home Insurance Rate Decrease? Posted on Tuesday 11th March, 2025
Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

White Pine, TN Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in White Pine so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in White Pine, TN?

- The average square footage in White Pine is around 1,073 Sq. Ft. which would cost you around $144,800 to replace the home if you base the home on the price to build per square foot of $135.

Minimum Replacement Cost Total: $144,800

Location: White Pine, Tennessee (Jefferson County)

Average Building Cost Per Square Foot in White Pine: $135 (low end)

Average Square Footage in White Pine: 1,073 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$135	$144,800
Some Additional Upgrades	$169	$181,000
Major Home Updates or Advancements	$203	$217,200

Calculate Your White Pine, TN Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($135) in White Pine, Tennessee times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $421,875 (Media price to build of $169 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.