Gavop's guide to buying homeowners insurance in Hardin 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 | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $65,000 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $136,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $165,500 | $140,000 | $125,000-$150,000 |
| 5 Bedroom | $124,500 | $100,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $635 |
| Superior Protection Discount | -$76 | $680 |
| Fire & Security Discount | -$53 | $703 |
| Hail Resistant Roof Discount | -$15 | $741 |
| Newly Constructed Home Discount | -$219 | $537 |
| 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 |
| Hardin County | $1,000 | $747 | $1,747 | $543 | $1,543 | $204 |
| Hardin County, TN | $1,500 | $747 | $2,247 | $543 | $2,043 | $204 |
| Saltillo, TN | $400 | $701 | $1,101 | $510 | $910 | $192 |
| Glen, MS | $1,000 | $1,112 | $2,112 | $808 | $1,808 | $304 |
| Iuka, MS | $100 | $1,089 | $1,189 | $791 | $891 | $298 |
| Chester County, TN | $1,000 | $766 | $1,766 | $557 | $1,557 | $209 |
| Alcorn County, MS | $400 | $953 | $1,353 | $693 | $1,093 | $260 |
| Chesterfield, TN | $2,500 | $665 | $3,165 | $483 | $2,983 | $182 |
| Lobelville, TN | $400 | $745 | $1,145 | $541 | $941 | $204 |
| Prentiss County, MS | $700 | $859 | $1,559 | $624 | $1,324 | $235 |
| Toone, TN | $200 | $745 | $945 | $541 | $741 | $204 |
| Red Bay, AL | $1,000 | $874 | $1,874 | $635 | $1,635 | $239 |
| Home Insurance Company Hardin County, TN | Homeowners Insurance Agency Hardin County, TN | Address | Popularity Score | Distance from Hardin County (miles) |
|---|---|---|---|---|
| Travelers | Elliott & Associates | 251 N Military Ave, Lawrenceburg, TN, 38464 | 48.3 | |
| Travelers | The Roger Smith Agency Inc | 231 S Main St, Waynesboro, TN, 38485 | 25.2 | |
| State Farm | Tasha Johnson | 38 S Main St, Lexington, TN, 38351-2104 | 33.0 | |
| Liberty Mutual Independent | Fsb Insurance | 23 Federal Dr, Jackson, TN, 38305 | 48.7 | |
| Erie | Casey Insurance Agency | 459 E Main Street, Henderson, TN, 38340 | 30.1 | |
| State Farm | Brad Nielsen | 708 Locust Ave, Lawrenceburg, TN, 38464 | 48.2 | |
| Erie | John Cooper Insurance | 984 Wayne Road Suite D, Savannah, TN, 38372 | 3.0 | |
| Farmers | Shanna Tabor | 133 W University Pkwy Ste 108, Jackson, TN, 38305 | 50.0 | |
| State Farm | Chris Webb | 1821 N Locust Ave, Lawrenceburg, TN, 38464-2333 | 49.0 | |
| State Farm | Howard Bond | 620 Old Hickory Blvd Ste 209, Jackson, TN, 38305-2977 | 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 | $750 | $1,470 | $720 |
| Hardin County, TN | $107,400 | $756 | $510 | $1,040 | $530 |
| Hardin County, TN | $107,400 | $756 | $510 | $1,040 | $530 |
| Saltillo, TN | $65,000 | $710 | $490 | $1,010 | $520 |
| Glen, MS | $104,200 | $1,126 | $820 | $1,570 | $750 |
| Iuka, MS | $100,500 | $1,102 | $790 | $1,510 | $720 |
| Chester County, TN | $113,800 | $775 | $530 | $1,060 | $530 |
| Alcorn County, MS | $86,100 | $965 | $700 | $1,330 | $630 |
| Chesterfield, TN | $58,200 | $673 | $480 | $930 | $450 |
| Lobelville, TN | $73,800 | $754 | $540 | $1,050 | $510 |
| Prentiss County, MS | $90,500 | $869 | $600 | $1,240 | $640 |
| Toone, TN | $73,800 | $754 | $540 | $1,070 | $530 |
| Red Bay, AL | $83,900 | $885 | $650 | $1,260 | $610 |