Gavop's guide to buying homeowners insurance in Lynchburg, 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.
| Lynchburg, 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 | |
| Dusty Ln, Gore Rd, Osborne Rd, Oneal Rd, Champ Rd, Lynchburg Rd, Nursing Home Rd, Edde Bend Rd, State Rte 129, Blackburn Hollow Rd | $130,500 | $110,000 | $125,000-$150,000 | $95,000 | $90,000 | $75,000-$100,000 |
| Cumberland Springs Rd, Brandon Hollow Rd, Gardner Ln, Harris Ln, Powell Hollow Rd, Ralph Smith Rd, Raby Hollow Rd, Shields Hollow Rd, Dragon Acres Ln, Spencer Ridge Rd | $181,500 | $160,000 | $175,000-$200,000 | $172,000 | $150,000 | $125,000-$150,000 |
| Rackler Ln, Reynolds Hollow Rd, Hiles St, Greenway Rd, Oak Hills Dr, Charity Rd, Little Bean Hollow Rd, Gavlicks Ln, Turkey Creek Church Rd, Fire Tower Rd | $145,000 | $130,000 | $125,000-$150,000 | $136,000 | $130,000 | $125,000-$150,000 |
| Stone Creek Ln, Marble Hill Rd, Hurricane Church Rd, Old Dam Rd, State Rte 50, Harry Hill Rd, Roy Smith Rd, Fanning Crest Ln, Ty Point Ln, Turkey Creek Loop | $127,500 | $100,000 | $125,000-$150,000 | $111,000 | $100,000 | $100,000-$125,000 |
| Campbell Ln, Prince Rd, J D Run, County Line Rd, Carr Creek Rd, McMasters Ln, Wet Prong Rd, Lynn Ln, Majors Cemetery Rd, Motlow Rd | $157,500 | $130,000 | $125,000-$150,000 | $98,500 | $80,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$163 | $745 |
| Superior Protection Discount | -$82 | $826 |
| Fire & Security Discount | -$91 | $817 |
| Hail Resistant Roof Discount | -$27 | $881 |
| Newly Constructed Home Discount | -$209 | $699 |
| 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 |
| Moore County | $1,000 | $897 | $1,897 | $652 | $1,652 | $245 |
| Lynchburg, TN | $1,500 | $897 | $2,397 | $652 | $2,152 | $245 |
| Normandy, TN | $500 | $769 | $1,269 | $559 | $1,059 | $210 |
| Wartrace, TN | $2,500 | $824 | $3,324 | $599 | $3,099 | $225 |
| Park City, TN | $200 | $863 | $1,063 | $627 | $827 | $236 |
| Eagleville, TN | $1,000 | $1,023 | $2,023 | $743 | $1,743 | $279 |
| Madison County, AL | $300 | $1,202 | $1,502 | $874 | $1,174 | $329 |
| Woodbury, TN | $1,000 | $951 | $1,951 | $691 | $1,691 | $260 |
| Gurley, AL | $500 | $943 | $1,443 | $685 | $1,185 | $258 |
| Jasper, TN | $2,000 | $993 | $2,993 | $722 | $2,722 | $271 |
| Athens, AL | $500 | $1,090 | $1,590 | $792 | $1,292 | $298 |
| Nolensville, TN | $1,000 | $952 | $1,952 | $692 | $1,692 | $260 |
| Home Insurance Company Lynchburg, TN | Homeowners Insurance Agency Lynchburg, TN | Address | Popularity Score | Distance from Lynchburg (miles) |
|---|---|---|---|---|
| Travelers | Hatchett Insurance | 1807 Bypass Road, Winchester, TN, 37398 | 17.5 | |
| Travelers | My Team Insurance Services Llc | 1507 Memorial Blvd, Murfreesboro, TN, 37129 | 39.7 | |
| Travelers | Reynolds Insurance Agency Inc | 103 Moore Ave, Smyrna, TN, 37167 | 49.2 | |
| Travelers | Barrett Insurance Agency | 10579 Cedar Grove Rd Ste 100, Smyrna, TN, 37167 | 48.8 | |
| State Farm | Derek Simmons | 305 Sheldon Valley Dr # 102, Nolensville, TN, 37135-3001 | 49.8 | |
| Allstate | Collins & Miller Insurance Llc | 1103 Nashville Hwy, Lewisburg, TN, 37091 | 26.7 | |
| State Farm | David Duncan | 301 N Jackson St, Tullahoma, TN, 37388-3552 | 9.7 | |
| State Farm | Bobby Saine | 106 E Lincoln St, Tullahoma, TN, 37388-3632 | 9.9 | |
| Farmers | Stacy Griffith | 311 N Jackson St Ste 9, Tullahoma, TN, 37388 | 9.7 | |
| State Farm | Monte King | 721 President Pl Ste 200, Smyrna, TN, 37167-6854 | 48.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Tennessee | $151,700 | $1,044 | $710 | $1,440 | $730 |
| Moore County, TN | $166,000 | $908 | $650 | $1,290 | $640 |
| Lynchburg, TN | $166,000 | $908 | $640 | $1,250 | $610 |
| Normandy, TN | $78,800 | $778 | $550 | $1,080 | $530 |
| Wartrace, TN | $91,100 | $834 | $590 | $1,160 | $570 |
| Park City, TN | $100,600 | $873 | $640 | $1,200 | $560 |
| Eagleville, TN | $148,500 | $1,035 | $750 | $1,460 | $710 |
| Madison County, AL | $173,400 | $1,217 | $820 | $1,720 | $900 |
| Woodbury, TN | $125,300 | $963 | $700 | $1,340 | $640 |
| Gurley, AL | $278,200 | $955 | $680 | $1,320 | $640 |
| Jasper, TN | $138,300 | $1,005 | $680 | $1,440 | $760 |
| Athens, AL | $135,800 | $1,103 | $790 | $1,570 | $780 |
| Nolensville, TN | $386,500 | $963 | $680 | $1,370 | $690 |