37841 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 37841 zip code it's important to know that our rates are very competitive for homeowners living in Oneida, TN. Many homeowners based out of your 37841 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 home 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 37841 should appear in the zip code field ready to go. For Oneida, TN Homeowners Insurance Quotes nearby, we offer the best rates and service.

37841: Average Home Insurance Rates

For homeowners living in the great city of Oneida, the average homeowners policy is considered high in comparison to other states. Tennessee premiums are estimated to be around $990 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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Average Building Cost Per Square Foot in 37841: $135

Average Square Footage in 37841: 880 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 37841 before you start any project. Oneida 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 37841 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 37841 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 880 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 Oneida 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 37841 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.

Allstate Insurance Companies

Allstate Insurance Companies

Baldwin- Roger R - State Farm Insurance Agent

Farmers Insurance Group Scott CO

Pennington Insurance Agency

Household Data for 37841

The average number of homes in 37841 is around 3,803, there are an average of 2.47 per household. The average house value according to local real estate values is around $118,800. Please review the following demographics below for average income and media age.

• How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

  According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

• 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

  Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

• Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

  According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]