Gavop's guide to buying homeowners insurance in Lincoln 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 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $121,500 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $117,000 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $235,000 | $200,000 | $250,000-$300,000 |
| 5 Bedroom | $293,500 | $250,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $774 |
| Superior Protection Discount | -$90 | $810 |
| Fire & Security Discount | -$99 | $801 |
| Hail Resistant Roof Discount | -$27 | $873 |
| Newly Constructed Home Discount | -$216 | $684 |
| 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 |
| Lincoln County | $700 | $889 | $1,589 | $646 | $1,346 | $243 |
| Lincoln County, TN | $1,000 | $889 | $1,889 | $646 | $1,646 | $243 |
| Meridianville, AL | $400 | $941 | $1,341 | $684 | $1,084 | $257 |
| Pulaski, TN | $700 | $710 | $1,410 | $516 | $1,216 | $194 |
| Bedford County, TN | $100 | $928 | $1,028 | $674 | $774 | $253 |
| Winchester, TN | $2,000 | $816 | $2,816 | $593 | $2,593 | $223 |
| Normandy, TN | $500 | $769 | $1,269 | $559 | $1,059 | $210 |
| Gurley, AL | $2,000 | $943 | $2,943 | $685 | $2,685 | $258 |
| Pleasant Groves, AL | $100 | $941 | $1,041 | $684 | $784 | $257 |
| Owens Cross Roads, AL | $2,500 | $1,148 | $3,648 | $834 | $3,334 | $314 |
| Mount Pleasant, TN | $300 | $856 | $1,156 | $622 | $922 | $234 |
| Morgan County, AL | $700 | $1,055 | $1,755 | $767 | $1,467 | $288 |
| Home Insurance Company Lincoln County, TN | Homeowners Insurance Agency Lincoln County, TN | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| State Farm | Linda Norton | 609 S James Campbell Blvd, Columbia, TN, 38401-4333 | 40.5 | |
| Farmers | Steve Michel | 1715 Old Fort Pkwy Ste 600, Murfreesboro, TN, 37129 | 49.5 | |
| State Farm | Moore Landers | 909 S Garden St, Columbia, TN, 38401-3205 | 41.0 | |
| State Farm | Randy Cunningham | 202 Washington St E, Fayetteville, TN, 37334-2546 | 1.6 | |
| State Farm | Bill Cunningham | 4120 Thorton Taylor Pkwy C, Fayetteville, TN, 37334 | 2.4 | |
| State Farm | Rob Gardner | 1708 N Main St, Shelbyville, TN, 37160-2328 | 26.3 | |
| State Farm | Mel Adams | 805 S Church St Ste 10, Murfreesboro, TN, 37130-4917 | 49.2 | |
| State Farm | Ralph Allen | 217 Lane Pkwy, Shelbyville, TN, 37160-3108 | 24.7 | |
| Travelers | J Paul Richardson & Son Agency | 108 North Main Ave, Fayetteville, TN, 37334 | 1.5 | |
| Erie | Blake Tuggle Insurance | 500 Dinah Shore Blvd, Winchester, TN, 37398 | 27.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Tennessee | $151,700 | $1,044 | $710 | $1,490 | $780 |
| Lincoln County, TN | $117,500 | $900 | $600 | $1,290 | $690 |
| Lincoln County, TN | $117,500 | $900 | $620 | $1,270 | $650 |
| Meridianville, AL | $170,100 | $952 | $640 | $1,300 | $660 |
| Pulaski, TN | $96,200 | $718 | $510 | $1,010 | $500 |
| Bedford County, TN | $129,700 | $939 | $650 | $1,310 | $660 |
| Winchester, TN | $131,300 | $826 | $560 | $1,170 | $610 |
| Normandy, TN | $78,800 | $778 | $570 | $1,070 | $500 |
| Gurley, AL | $278,200 | $955 | $680 | $1,320 | $640 |
| Pleasant Groves, AL | $94,200 | $952 | $680 | $1,360 | $680 |
| Owens Cross Roads, AL | $131,000 | $1,162 | $850 | $1,650 | $800 |
| Mount Pleasant, TN | $98,900 | $866 | $590 | $1,220 | $630 |
| Morgan County, AL | $128,200 | $1,068 | $770 | $1,470 | $700 |