Gavop's guide to buying homeowners insurance in Rhea 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.
| Rhea County, TN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Vaughn's Trailer Park Dr, Dogwood Ln, Barfield Ln, Black Track Rd, Brayton Mountain Rd, Robert Myers Ln, Howell Swafford Ln, Whipporwill Way, Jones Rd, Bill Cox Ln | $135,500 | $130,000 | $125,000-$150,000 | $56,500 | $50,000 | $50,000-$75,000 |
| Blythes Ferry Rd, Caron Dr, Miller St, Patti Dr, Ray Rd, Dotson Ln, Bonham Ave, Shelton St, Leffew Ln, Shady Lane Rd | $125,000 | $110,000 | $100,000-$125,000 | $63,500 | $60,000 | $50,000-$75,000 |
| Old Dayton Pike, State Hwy 30, State Hwy 30, Pikeville Rd, Raymond Reed Ln, Kentucky Ave, Cranmore Cove Rd, Smyrna Firetower Rd, Kristy Ln, E 4th Ave | $92,000 | $90,000 | $75,000-$100,000 | $95,500 | $80,000 | $75,000-$100,000 |
| 6th Ave, Country Village Way, Old Black Oak Ridge Rd, Boley St, Market St, S Locust St, Lower Oak Shadows Ln, Hilltop Dr, W 14th Ave, Burnett Perry Ln | $97,500 | $90,000 | $75,000-$100,000 | $73,500 | $60,000 | $75,000-$100,000 |
| Shady Lane Rd, Cliffton Cemetery Rd, Carman Ln, Wassom Memorial Hwy, Yellow Creek Rd, Magnolia Ave, Longmire Ln, Pikeville Ave, Harbor Dr, Burchard Dr | $136,500 | $120,000 | $100,000-$125,000 | $59,500 | $60,000 | $50,000-$75,000 |
| Burnett Rd, Five Points Rd, Hereb Wassom Mem Hwy, Heather Ln, Chattin Copeland Ln, Stanley Waldo Ln, Stebbins Cemetery Rd, Fred Kincannon Ln, Dillon Ln, Sevierville Ln | $196,000 | $160,000 | $150,000-$175,000 | $118,000 | $100,000 | $75,000-$100,000 |
| Thomas Martin Ln, McCall Ln, Tennessee St, Burnett St, Beauty Peak Ln, Clark McMillan Ln, Reid Home Ln, Archie Wilkey Rd, Wilson St, Pocahontas Ave | $123,000 | $110,000 | $125,000-$150,000 | $105,500 | $90,000 | $75,000-$100,000 |
| Ronnie Wilkey Ln, Doc Loy Rd, Walkertown Rd, Red Maple St, Clack's Crossing Ln, Buzzard Roost Rd, Dunn Cemetery Rd, Murray Ave, Kyle Seal Ln, Fort Bluff Camp Rd | $139,000 | $110,000 | $150,000-$175,000 | $126,500 | $110,000 | $100,000-$125,000 |
| Headlee Ln, Adams St, Clara Ln, Yoakum St, Broyles Rd, Madison St, Cedar Ln, White Beard Rd, Thomas Way Ln, Dinah Rd | $145,500 | $130,000 | $150,000-$175,000 | $118,500 | $110,000 | $100,000-$125,000 |
| Sycamore Ln, Paradise Cave Ln, Tillis Ln, Old Grandview Hwy, 3rd Ave, Oak Hill Rd, Tigues Creek Rd, Couchwood Dr, Spence Cemetery Rd, Deer Ridge Dr | $101,000 | $90,000 | $100,000-$125,000 | $89,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $737 |
| Superior Protection Discount | -$80 | $808 |
| Fire & Security Discount | -$80 | $808 |
| Hail Resistant Roof Discount | -$27 | $861 |
| Newly Constructed Home Discount | -$240 | $648 |
| 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 |
| Rhea County | $700 | $877 | $1,577 | $638 | $1,338 | $240 |
| Rhea County, TN | $2,500 | $877 | $3,377 | $638 | $3,138 | $240 |
| Crossville, TN | $300 | $837 | $1,137 | $608 | $908 | $229 |
| Fairfield Glade, TN | $2,000 | $817 | $2,817 | $594 | $2,594 | $223 |
| Philadelphia, TN | $200 | $820 | $1,020 | $596 | $796 | $224 |
| Bowman, TN | $1,500 | $944 | $2,444 | $686 | $2,186 | $258 |
| Harrison, TN | $200 | $867 | $1,067 | $630 | $830 | $237 |
| Ooltewah, TN | $2,000 | $999 | $2,999 | $726 | $2,726 | $273 |
| Monterey, TN | $100 | $856 | $956 | $622 | $722 | $234 |
| Whitwell, TN | $700 | $809 | $1,509 | $588 | $1,288 | $221 |
| Petros, TN | $100 | $766 | $866 | $556 | $656 | $209 |
| Catoosa County, GA | $2,000 | $888 | $2,888 | $645 | $2,645 | $243 |
| Home Insurance Company Rhea County, TN | Homeowners Insurance Agency Rhea County, TN | Address | Popularity Score | Distance from Rhea County (miles) |
|---|---|---|---|---|
| State Farm | Laura Lynn Riden | 1143 Oak Ridge Tpke Ste 105, Oak Ridge, TN, 37830-6532 | 48.9 | |
| State Farm | Lauren Bright | 10670 Parkside Dr Ste 2, Knoxville, TN, 37922-1905 | 50.1 | |
| Allstate | Esther Suggs | 6325 E Brainerd Rd, Chattanooga, TN, 37421 | 42.6 | |
| Allstate | Kerri Hunt | 253 S Willow Ave, Cookeville, TN, 38501 | 49.9 | |
| State Farm | Rick Sharpe | 7002 Rhea County Hwy, Dayton, TN, 37321-6203 | 7.4 | |
| Travelers | River City Insurance | 3320 Dayton Blvd, Chattanooga, TN, 37415 | 39.0 | |
| Travelers | Ladd & Associates | 5512 Ringgold Rd Ste 104, Chattanooga, TN, 37412 | 44.8 | |
| State Farm | Dane Ogden | 2771 Highway 11 E Ste 10, Lenoir City, TN, 37772-6381 | 41.6 | |
| Allstate | The Swallows Agency | 480 Neal St Ste 100, Cookeville, TN, 38501 | 48.2 | |
| State Farm | Nick Smith | 2741 Main St, Pikeville, TN, 37367-5741 | 13.6 |
| 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 | $1,490 | $750 |
| Rhea County, TN | $114,200 | $888 | $590 | $1,260 | $670 |
| Rhea County, TN | $114,200 | $888 | $640 | $1,250 | $610 |
| Crossville, TN | $139,300 | $847 | $580 | $1,190 | $610 |
| Fairfield Glade, TN | $201,200 | $827 | $570 | $1,130 | $560 |
| Philadelphia, TN | $90,200 | $830 | $600 | $1,150 | $550 |
| Bowman, TN | $122,800 | $955 | $650 | $1,330 | $680 |
| Harrison, TN | $152,100 | $878 | $620 | $1,250 | $630 |
| Ooltewah, TN | $140,200 | $1,011 | $720 | $1,410 | $690 |
| Monterey, TN | $98,800 | $866 | $620 | $1,200 | $580 |
| Whitwell, TN | $87,700 | $819 | $590 | $1,170 | $580 |
| Petros, TN | $78,100 | $775 | $530 | $1,100 | $570 |
| Catoosa County, GA | $138,800 | $899 | $650 | $1,270 | $620 |