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Grainger County, TN Homeowners Insurance Quotes
Getting afforable home insurance coverage in Grainger County can sometimes be difficult with so many options available from local captive agents like State Farm and Allstate to the online comparison marketplace. It is important to know that getting the right coverage means doing the necessary research or speaking with a Tennessee home insurance professional that can help you find the coverage you need. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the best insurance carriers available locally. It's important for you to know the coverage options available for your home in Grainger County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current policy. Shopping online for Grainger County home insurance rates is free and easy to use.
Tennessee home insurance rates are on the rise and seem to increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Grainger County is ranked higher in the nation with an average annual premium of $1296 per year. When comparing home insurance cost and coverage options, it's important to understand that the base premium for basic HO-3 policy may look great in terms of affordability, but maybe lacking the protectiong you need when you need a home insurance provider. Take advantage of our enhanced coverage options and let us help you easily shop better rates today!
For all Grainger County, TN residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.
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Grainger County, TN Housing Demographics
With 22,657 residents living within the Grainger County area there are over 10,894 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 6,577 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Grainger County.
Demographic | Values |
---|---|
Total Occupied Households | 9,029 |
Family Households (families) | 6,577 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 10,894 |
Grainger County, TN Home Insurance Average Premiums
For the state of Tennessee, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 21 in the nation for highest premiums in the U.S.
Average Rating | Annual Premium |
---|---|
Minimum Range: | $681 /yr. |
Current Average Cost: | $977 /yr. |
Maximum Range: | $1296 /yr. |
Tennessee Homeowners Insurance News & Information
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high […]
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Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025
Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums. In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help. Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]
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Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025
Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year. With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]
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Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025
Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase? The increasing frequency of […]
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How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025
Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]
Discounts For Homeowners in Grainger County
As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Tennessee homeowners insurance.
- Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Grainger County, this discount can save you up to 20% on your home insurance premium.
- Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Grainger County that do combine their home and auto can save over $500 with this discount.
- Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Grainger County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
- Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
- Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.
Grainger County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 10894 |
Occupied Housing Units | 9029 |
Vacant Housing Units | 1865 |
Vacant Housing Units for Rent | 193 |
Vacant Housing Units Rented Not Occupied | 9 |
Vacant Housing Units For Sale | 170 |
Vacant Housing Units Sold Not Occupied | 56 |
Vacant Housing Units For Seasonal Occasional Use | 792 |
Vacant Housing Units All Other Vacants | 645 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 10 |
Housing Tenure Occupied Units | 9029 |
Housing Tenure Occupied Units Owner Occupied | 7302 |
Housing Tenure Occupied Units Owner Occupied Population | 18234 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 1727 |
Housing Tenure Occupied Units Renter Occupied Population | 4272 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |