Get multiple home insurance quotes in 37397. Our licensed 37397, TN agents are ready to serve you.

37397 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 37397? Our rates are very competitive for homeowners living in Whitwell, TN. Many homeowners based out of your 37397 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 37397 should appear in the zip code field ready to go. For Whitwell, TN Home Insurance Rate Quotes click to review the best rates and service online!

37397 Average Premium is Rated: High!

Homeowners living in 37397 can easily save up to 40% off the average home insurance premium of $1006 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 Whitwell 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 37397 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!

Get Multiple Home Insurance Rates in 37397!

37397 Home Insurance Average Premiums

Local 37397 homeowners insurance quotes comparison

$756 /yr.

Shows Zip Code: 37397 lowest rates with discounts applied on average.

For the 37397, 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)		$756 /yr.
Average Coverage:$1006 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1306 /yr.

What is the average home insurance cost for a home in 37397?

  • • The average homeowners insurance premium paid annually for a home in 37397 is around $1006 per year.

What does it cost on average per month for home insurance in 37397?

  • • Homeowners in 37397 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 37397?

  • • Autoowners in 37397 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.

You can easily shop and compare home insurance rates within Whitwell, check out other zip codes nearby 37397.
To review average rates in another zip code, click on a zip code below:
37397  | 

Home Replacement Cost Coverage in 37397

Average Building Cost Per Square Foot in 37397: $135

Location: Whitwell, Tennessee (Sequatchie County)

Average Square Footage in 37397: 959 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37397 before you start any project. Whitwell 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 37397 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 37397 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 959 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 Whitwell 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$135959$129,400
Additional Upgrades & Added Features$169959$161,750
Major Home Updates or Advancements$203959$194,100

It's important to understand that when you estimate your replacement cost of your home in the 37397 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 37397

Best Home & Auto Insurance Agencies in 37397

Housing Demographics for 37397

Population Review for 37397 Zip Code

For the city of Whitwell, the population within 37397 has increased to over 10,373 residents in population size. The current population total is 9,928. We have broken down the population based on race below. In 37397, there are over 4906 in male population and 5022 females.

PopulationValues
Total Population9,928
White Population9291
Black Population67
Hispanic Population207
Asian Population24
Hawaiian Population0
Indian Population23
Other Population65
Male Population4906
Female Population5022
Population Estimate10373

Household Data for 37397

The average number of homes in 37397 is around 4,001, there are an average of 2.48 per household. The average house value according to local real estate values is around $129,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,001
Persons Per Household2.48
Average House Value$129,400
Income Per Household$57650
Median Age44.5
Median Age Male43.2
Median Age Female45.7
37397 DetailsValues
StateTN
State Full NameTennessee
City TypeP
City Alias Abbreviation
Area Code423
CityWhitwell
City Alias NameWHITWELL
CountySequatchie
County FIPS153
State FIPS47
Time Zone6
Day Light SavingY
MSA
PMSA
CSA174
CBSA16860
CBSA_DIV
CBSA_TypeMetro
CBSA_NameChattanooga, TN-GA
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses64
Number Of Employees407
Business First Quarter Payroll2657
Business Annual Payroll11816
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population528143
CBSA Division Population0
Congressional District04
Congressional LandArea5984.84
Delivery Residential4183
Delivery Business92
Delivery Total4796
Preferred Last Line KeyX25959
Classification Code
Multi-CountyY
CSA NameChattanooga-Cleveland-Dalton, TN-GA-AL
CBSA_DIV_Name
City State KeyX25959
Land Area149.340000
Water Area1.417000
City Alias Code
City Mixed CaseWhitwell
City Alias Mixed CaseWhitwell
Box Count468
SFDU4121
MFDU0
State ANSI47
County ANSI153
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number479240
Unique ZIP Name
SSA State County Code44760
Medicare CBSA Code16860
Medicare CBSA NameChattanooga, TN-GA
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseSequatchie

Tennessee Homeowners Insurance News & Information

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  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]