Gavop's guide to buying homeowners insurance in Overton County, TN covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $49,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $88,000 | $80,000 | $50,000-$75,000 |
| 3 Bedroom | $115,000 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $229,500 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $241,000 | $200,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$148 | $631 |
| Superior Protection Discount | -$70 | $709 |
| Fire & Security Discount | -$86 | $693 |
| Hail Resistant Roof Discount | -$23 | $755 |
| Newly Constructed Home Discount | -$171 | $607 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Overton County | $700 | $769 | $1,469 | $559 | $1,259 | $210 |
| Overton County, TN | $1,000 | $769 | $1,769 | $559 | $1,559 | $210 |
| Livingston, TN | $400 | $890 | $1,290 | $647 | $1,047 | $243 |
| Algood, TN | $1,000 | $963 | $1,963 | $700 | $1,700 | $263 |
| Monterey, TN | $500 | $856 | $1,356 | $622 | $1,122 | $234 |
| Cumberland County, KY | $700 | $685 | $1,385 | $497 | $1,197 | $187 |
| Carthage, TN | $400 | $883 | $1,283 | $642 | $1,042 | $241 |
| Wayne County, KY | $700 | $648 | $1,348 | $471 | $1,171 | $177 |
| Macon County, TN | $200 | $760 | $960 | $552 | $752 | $208 |
| Alexandria, TN | $1,500 | $887 | $2,387 | $645 | $2,145 | $242 |
| Mill Springs, KY | $100 | $780 | $880 | $567 | $667 | $213 |
| Trousdale County, TN | $2,000 | $807 | $2,807 | $586 | $2,586 | $220 |
| Home Insurance Company Overton County, TN | Homeowners Insurance Agency Overton County, TN | Address | Popularity Score | Distance from Overton County (miles) |
|---|---|---|---|---|
| State Farm | Charlie Adams | 46 Brattontown Cir, Lafayette, TN, 37083-2623 | 44.5 | |
| Erie | Dekalb County Insurance Inc. | 307 N Public Square, Smithville, TN, 37166 | 39.7 | |
| State Farm | Scotty Yeaman | 1011 Main St N, Carthage, TN, 37030-1004 | 37.7 | |
| Farmers | J Nate Maxwell | 251 S Willow Ave, Cookeville, TN, 38501 | 18.1 | |
| Allstate | The Swallows Agency | 480 Neal St Ste 100, Cookeville, TN, 38501 | 18.6 | |
| State Farm | Suzanne Worrell | 595 E 10th St, Cookeville, TN, 38501-1807 | 16.5 | |
| Liberty Mutual Independent | Independent Agents Alliance | 1459 Interstate Dr Ste 201, Cookeville, TN, 38501 | 19.4 | |
| State Farm | Andrew Locke | 238 B N. Grundy Quarles Hwy, Gainesboro, TN, 38562 | 20.7 | |
| State Farm | Josh Tucker | 794 S Willow Ave, Cookeville, TN, 38501-3840 | 19.1 | |
| Allstate | Cherisse Sells | 2348 Cookeville Hwy, Livingston, TN, 38570 | 3.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Tennessee | $151,700 | $1,044 | $740 | $1,450 | $710 |
| Overton County, TN | $114,700 | $779 | $560 | $1,070 | $510 |
| Overton County, TN | $114,700 | $779 | $550 | $1,110 | $560 |
| Livingston, TN | $107,700 | $901 | $610 | $1,290 | $680 |
| Algood, TN | $128,900 | $975 | $670 | $1,380 | $710 |
| Monterey, TN | $98,800 | $866 | $610 | $1,220 | $610 |
| Cumberland County, KY | $90,300 | $693 | $500 | $980 | $480 |
| Carthage, TN | $105,900 | $894 | $640 | $1,270 | $630 |
| Wayne County, KY | $81,400 | $656 | $450 | $900 | $450 |
| Macon County, TN | $111,700 | $769 | $560 | $1,050 | $490 |
| Alexandria, TN | $107,000 | $898 | $660 | $1,230 | $570 |
| Mill Springs, KY | $100,900 | $789 | $560 | $1,100 | $540 |
| Trousdale County, TN | $128,000 | $816 | $580 | $1,150 | $570 |