Gavop's guide to buying homeowners insurance in Erwin, 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 | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $104,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $158,000 | $150,000 | $150,000-$175,000 |
| 4 Bedroom | $224,500 | $210,000 | $175,000-$200,000 |
| 5 Bedroom | $331,000 | $310,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$103 | $632 |
| Superior Protection Discount | -$74 | $662 |
| Fire & Security Discount | -$81 | $654 |
| Hail Resistant Roof Discount | -$15 | $720 |
| Newly Constructed Home Discount | -$213 | $522 |
| 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 |
| Unicoi County | $700 | $788 | $1,488 | $573 | $1,273 | $215 |
| Erwin, TN | $1,000 | $726 | $1,726 | $528 | $1,528 | $198 |
| Spurgeon, TN | $700 | $1,025 | $1,725 | $745 | $1,445 | $280 |
| Plumtree, NC | $300 | $624 | $924 | $454 | $754 | $171 |
| Grassy Creek, NC | $700 | $695 | $1,395 | $505 | $1,205 | $190 |
| Brushy Fork, NC | $300 | $1,101 | $1,401 | $800 | $1,100 | $301 |
| Tyler, VA | $500 | $901 | $1,401 | $655 | $1,155 | $246 |
| Linville, NC | $1,500 | $1,577 | $3,077 | $1,146 | $2,646 | $431 |
| Glenwood, NC | $2,500 | $677 | $3,177 | $492 | $2,992 | $185 |
| Home Insurance Company Erwin, TN | Homeowners Insurance Agency Erwin, TN | Address | Popularity Score | Distance from Erwin (miles) |
|---|---|---|---|---|
| State Farm | Steve Goad | 542 Tusculum Blvd, Greeneville, TN, 37745-3939 | 22.8 | |
| Farmers | William Bartra | 101 E Unaka Ave Ste 7, Johnson City, TN, 37601 | 12.6 | |
| Liberty Mutual Independent | Insurance Management Group | 119 Boone Ridge Dr Ste 404, Johnson City, TN, 37615 | 16.4 | |
| State Farm | Brian Poston | 1072 N Main Ave Ste 4, Erwin, TN, 37650-1575 | 0.8 | |
| Erie | David Pendleton & Associates | 1301 Moreland Drive, Kingsport, TN, 37663 | 24.6 | |
| Liberty Mutual Independent | Insurance Management Group | 119 Boone Ridge Drive # 404 Johnson City, Johnson City, TN, 37615 | 16.4 | |
| State Farm | Sheila Wandell | 2313 Browns Mill Rd, Johnson City, TN, 37604-1961 | 13.9 | |
| State Farm | Jaron Snoeyenbos | 1319 Tusculum Blvd Ste 1, Greeneville, TN, 37745-4236 | 21.6 | |
| Travelers | Jones Insurance Service | 2112 N Roan St Ste 706, Johnson City, TN, 37601 | 13.6 | |
| State Farm | Troy Cox | 2685 Boones Creek Rd Ste 101, Johnson City, TN, 37615-4722 | 15.7 |
| 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 | $1,450 | $740 |
| Unicoi County, TN | $121,200 | $798 | $570 | $1,130 | $560 |
| Erwin, TN | $101,100 | $735 | $530 | $1,020 | $490 |
| Spurgeon, TN | $149,200 | $1,037 | $710 | $1,480 | $770 |
| Plumtree, NC | $101,600 | $632 | $420 | $900 | $480 |
| Grassy Creek, NC | $146,600 | $704 | $470 | $1,010 | $540 |
| Brushy Fork, NC | $228,600 | $1,114 | $790 | $1,550 | $760 |
| Tyler, VA | $105,100 | $912 | $650 | $1,260 | $610 |
| Linville, NC | $380,000 | $1,596 | $1,070 | $2,270 | $1,200 |
| Glenwood, NC | $112,100 | $685 | $460 | $970 | $510 |