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Quickly Revew Homeowners Insurance in 38326
If you own a home in Counce, TN you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.
GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 38326 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Tennessee licensed agents will also review your needs and make sure you have the appropriate coverage for your home.
If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 38326 and start comparing rates now.
38326 Homeowners Insurance Rates Are Considered: high!
The average rate for a standard homeowners policy in 38326 is $951 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.
We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.
Get 38326 Home Insurance Rate Quotes Right Now!
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Counce, TN home insurance quotes in your local city and review the most competitive coverages and premiums.
38326 Home Insurance Average Premiums
$701 /yr.
Shows Zip Code: 38326 lowest rates with discounts applied on average.
For the 38326, 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) | $701 /yr. |
| Average Coverage: | $951 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1251 /yr. |
What is the average home insurance cost for a home in 38326?
- • The average homeowners insurance premium paid annually for a home in 38326 is around $951 per year.
What does it cost on average per month for home insurance in 38326?
- • Homeowners in 38326 pay a monthly average cost per month around $79.00.
What kind of discount could I get if I combine my home and auto insurance together in 38326?
- • Autoowners in 38326 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 Counce, check out other zip codes nearby 38326.
To review average rates in another zip code, click on a zip code below:
38326 |
Home Replacement Cost Coverage in 38326
Average Building Cost Per Square Foot in 38326: $135
Location: Counce, Tennessee (Hardin County)Average Square Footage in 38326: 1,153 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 38326 before you start any project. Counce 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 38326 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 38326 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,153 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 Counce 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 | 1,153 | $155,600 |
| Additional Upgrades & Added Features | $169 | 1,153 | $194,500 |
| Major Home Updates or Advancements | $203 | 1,153 | $233,400 |
It's important to understand that when you estimate your replacement cost of your home in the 38326 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 38326
Best Home & Auto Insurance Agencies in 38326
Housing Demographics for 38326
Population Review for 38326 Zip Code
For the city of Counce, the population within 38326 has increased to over 2,811 residents in population size. The current population total is 2,527. We have broken down the population based on race below. In 38326, there are over 1298 in male population and 1229 females.
| Population | Values |
|---|---|
| Total Population | 2,527 |
| White Population | 2385 |
| Black Population | 30 |
| Hispanic Population | 44 |
| Asian Population | 5 |
| Hawaiian Population | 0 |
| Indian Population | 10 |
| Other Population | 16 |
| Male Population | 1298 |
| Female Population | 1229 |
| Population Estimate | 2811 |
Household Data for 38326
The average number of homes in 38326 is around 1,255, there are an average of 2.01 per household. The average house value according to local real estate values is around $155,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,255 |
| Persons Per Household | 2.01 |
| Average House Value | $155,600 |
| Income Per Household | $40924 |
| Median Age | 55.9 |
| Median Age Male | 55.6 |
| Median Age Female | 56.0 |
| 38326 Details | Values |
|---|---|
| State | TN |
| State Full Name | Tennessee |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 731 |
| City | Counce |
| City Alias Name | COUNCE |
| County | Hardin |
| County FIPS | 071 |
| State FIPS | 47 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 72 |
| Number Of Employees | 983 |
| Business First Quarter Payroll | 18008 |
| Business Annual Payroll | 75003 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 08 |
| Congressional LandArea | 6850.53 |
| Delivery Residential | 1399 |
| Delivery Business | 90 |
| Delivery Total | 1714 |
| Preferred Last Line Key | X25064 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X25064 |
| Land Area | 42.583000 |
| Water Area | 6.332000 |
| City Alias Code | |
| City Mixed Case | Counce |
| City Alias Mixed Case | Counce |
| Box Count | 179 |
| SFDU | 1354 |
| MFDU | 27 |
| State ANSI | 47 |
| County ANSI | 071 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 472016 |
| Unique ZIP Name | |
| SSA State County Code | 44350 |
| Medicare CBSA Code | 99944 |
| Medicare CBSA Name | Rural Areas in TN |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Hardin |
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 […]
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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. […]
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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 […]