Compare quotes for your home in 38242! Compare the best 12 carriers in minutes.
38242 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 38242? Our rates are very competitive for homeowners living in Paris, TN. Many homeowners based out of your 38242 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 38242 should appear in the zip code field ready to go. For Paris, TN Home Insurance Rate Quotes click to review the best rates and service online!
38242 Average Premium is Rated: High!
Homeowners living in 38242 can easily save up to 40% off the average home insurance premium of $1104 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 Paris 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 38242 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!
38242 Home Insurance Average Premiums
$854 /yr.
Shows Zip Code: 38242 lowest rates with discounts applied on average.
For the 38242, 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) | $854 /yr. |
| Average Coverage: | $1104 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1404 /yr. |
What is the average home insurance cost for a home in 38242?
- • The average homeowners insurance premium paid annually for a home in 38242 is around $1104 per year.
What does it cost on average per month for home insurance in 38242?
- • Homeowners in 38242 pay a monthly average cost per month around $92.00.
What kind of discount could I get if I combine my home and auto insurance together in 38242?
- • Autoowners in 38242 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 Paris, check out other zip codes nearby 38242.
To review average rates in another zip code, click on a zip code below:
38242 |
Home Replacement Cost Coverage in 38242
Average Building Cost Per Square Foot in 38242: $135
Location: Paris, Tennessee (Henry County)Average Square Footage in 38242: 866 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 38242 before you start any project. Paris 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 38242 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 38242 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 866 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 Paris 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $135 | 866 | $116,900 |
| Additional Upgrades & Added Features | $169 | 866 | $146,125 |
| Major Home Updates or Advancements | $203 | 866 | $175,350 |
It's important to understand that when you estimate your replacement cost of your home in the 38242 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 38242
Paris Insurance Agency
Address: 203 West Wood Street Paris, TN 38242Phone: (731)642-0673
Website:
Best Home & Auto Insurance Agencies in 38242
Farm Bureau Insurance Services
Address: 406 N Poplar St Paris, TN 38242Phone:
Website: http://www.fbfs.com
Info:
Steedly- David V
Address: 310 E Wood St Paris, TN 38242Phone:
Website:
Info:
United Insurance of Paris Inc
Address: 201 S Market St Paris, TN 38242Phone:
Website:
Info:
Consolidated Insurance Services
Address: 902 E Wood St Paris, TN 38242Phone:
Website: http://www.westerninsurance.com
Info:
Paris Insurance Agency
Address: 203 W Wood St Paris, TN 38242Phone:
Website:
Info:
Housing Demographics for 38242
Population Review for 38242 Zip Code
For the city of Paris, the population within 38242 has increased to over 21,235 residents in population size. The current population total is 19,940. We have broken down the population based on race below. In 38242, there are over 9565 in male population and 10375 females.
| Population | Values |
|---|---|
| Total Population | 19,940 |
| White Population | 16340 |
| Black Population | 2047 |
| Hispanic Population | 521 |
| Asian Population | 183 |
| Hawaiian Population | 0 |
| Indian Population | 51 |
| Other Population | 265 |
| Male Population | 9565 |
| Female Population | 10375 |
| Population Estimate | 21235 |
Household Data for 38242
The average number of homes in 38242 is around 8,414, there are an average of 2.33 per household. The average house value according to local real estate values is around $116,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 8,414 |
| Persons Per Household | 2.33 |
| Average House Value | $116,900 |
| Income Per Household | $41833 |
| Median Age | 44.0 |
| Median Age Male | 42.1 |
| Median Age Female | 46.2 |
| 38242 Details | Values |
|---|---|
| State | TN |
| State Full Name | Tennessee |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 731 |
| City | Paris |
| City Alias Name | PARIS |
| County | Henry |
| County FIPS | 079 |
| State FIPS | 47 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 37540 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Paris, TN |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 554 |
| Number Of Employees | 7975 |
| Business First Quarter Payroll | 70101 |
| Business Annual Payroll | 302763 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 32330 |
| CBSA Division Population | 0 |
| Congressional District | 08 |
| Congressional LandArea | 6850.53 |
| Delivery Residential | 9114 |
| Delivery Business | 814 |
| Delivery Total | 10339 |
| Preferred Last Line Key | X25631 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X25631 |
| Land Area | 175.469000 |
| Water Area | 0.963000 |
| City Alias Code | |
| City Mixed Case | Paris |
| City Alias Mixed Case | Paris |
| Box Count | 202 |
| SFDU | 8132 |
| MFDU | 411 |
| State ANSI | 47 |
| County ANSI | 079 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 476624 |
| Unique ZIP Name | |
| SSA State County Code | 44390 |
| Medicare CBSA Code | 99944 |
| Medicare CBSA Name | Rural Areas in TN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Henry |
Tennessee Homeowners Insurance News & Information
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025
While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires. As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]
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New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025
Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding. A report recently released […]