Home Insurance Quotes in 38011!

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38011 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 38011? Our rates are very competitive for homeowners living in Brighton, TN. Many homeowners based out of your 38011 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 homeowners 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 38011 should appear in the zip code field ready to go. For Brighton, TN Home Insurance Rate Quotes click to review the best rates and service online!

38011 Average Premium is Rated: High!

Homeowners living in 38011 can easily save up to 40% off the average home insurance premium of $998 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Brighton that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 38011 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

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38011 Home Insurance Average Premiums

$748 /yr.

For the 38011, 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.

What is the average home insurance cost for a home in 38011?

What does it cost on average per month for home insurance in 38011?

What kind of discount could I get if I combine my home and auto insurance together in 38011?

For shopping home insurance rates within the Brighton area, check out other zip codes nearby 38011. Review average rates in another zip code: 38011 homeowners insurance rates

Home Replacement Cost Coverage in 38011

Average Building Cost Per Square Foot in 38011: $135

Average Square Footage in 38011: 1,210 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38011 before you start any project. Brighton 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 38011 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 38011 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,210 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 Brighton 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.

It's important to understand that when you estimate your replacement cost of your home in the 38011 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 38011

Best Home & Auto Insurance Agencies in 38011

Housing Demographics for 38011

For the city of Brighton, the population within 38011 has increased to over 9,724 residents in population size. The current population total is 9,427. We have broken down the population based on race below. In 38011, there are over 4726 in male population and 4701 females.

The average number of homes in 38011 is around 3,454, there are an average of 2.73 per household. The average house value according to local real estate values is around $163,300. Please review the following demographics below for average income and media age.

Tennessee Homeowners Insurance News & Information

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

38011 Household Information

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