Gavop tells you how to get the best homeowners insurance in Cumberland County, TN by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $55,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $105,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $147,500 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $292,000 | $250,000 | $250,000-$300,000 |
| 5 Bedroom | $333,000 | $280,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$146 | $826 |
| Superior Protection Discount | -$87 | $884 |
| Fire & Security Discount | -$107 | $865 |
| Hail Resistant Roof Discount | -$19 | $952 |
| Newly Constructed Home Discount | -$214 | $758 |
| 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 |
| Cumberland County | $2,500 | $960 | $3,460 | $698 | $3,198 | $262 |
| Cumberland County, TN | $2,000 | $960 | $2,960 | $698 | $2,698 | $262 |
| Wartburg, TN | $500 | $812 | $1,312 | $590 | $1,090 | $222 |
| Decatur, TN | $2,500 | $912 | $3,412 | $663 | $3,163 | $249 |
| Petros, TN | $300 | $766 | $1,066 | $556 | $856 | $209 |
| Elgin, TN | $2,000 | $824 | $2,824 | $599 | $2,599 | $225 |
| Oak Ridge, TN | $200 | $860 | $1,060 | $625 | $825 | $235 |
| Byrdstown, TN | $1,500 | $747 | $2,247 | $543 | $2,043 | $204 |
| Gainesboro, TN | $400 | $794 | $1,194 | $577 | $977 | $217 |
| Sequatchie County, TN | $2,000 | $833 | $2,833 | $606 | $2,606 | $228 |
| Calhoun, TN | $400 | $816 | $1,216 | $593 | $993 | $223 |
| Etowah, TN | $1,500 | $874 | $2,374 | $635 | $2,135 | $239 |
| Home Insurance Company Cumberland County, TN | Homeowners Insurance Agency Cumberland County, TN | Address | Popularity Score | Distance from Cumberland County (miles) |
|---|---|---|---|---|
| Allstate | Cheek Insurance | 185 Moses Dr, Sparta, TN, 38583 | 27.5 | |
| Erie | Miller Insurance Services | 2 S White Street, Athens, TN, 37303 | 41.8 | |
| State Farm | Herbie Clark | 601 South Charles Seivers Blvd, Clinton, TN, 37716 | 48.8 | |
| Allstate | Dale Skidmore | 10816 Kingston Pike, Knoxville, TN, 37934 | 48.0 | |
| Nationwide | Michael E Dyer Agency | 11020 Kingston Pk Ste 320, Knoxville, TN, 37934 | 47.7 | |
| Liberty Mutual Independent | Hoover & Son Insurance | 114 S Court Sq, Mc Minnville, TN, 37110 | 47.5 | |
| Nationwide | Michael E Dyer Agency | 804 W Race St, Kingston, TN, 37763-2159 | 26.9 | |
| Travelers | Brown Insurance Group Inc | 33 Whitehead Dr, Crossville, TN, 38555 | 3.7 | |
| State Farm | Bill Zechman | 219 N Chancery St Ste 1, Mcminnville, TN, 37110-2590 | 47.5 | |
| Travelers | All Lines Insurance Agency | 9321 Middlebrook Ave, Knoxville, TN, 37931 | 50.1 |
| 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 | $1,450 | $700 |
| Cumberland County, TN | $140,800 | $972 | $710 | $1,350 | $640 |
| Cumberland County, TN | $140,800 | $972 | $690 | $1,350 | $660 |
| Wartburg, TN | $88,400 | $822 | $600 | $1,180 | $580 |
| Decatur, TN | $113,800 | $923 | $660 | $1,320 | $660 |
| Petros, TN | $78,100 | $775 | $520 | $1,060 | $540 |
| Elgin, TN | $91,200 | $834 | $590 | $1,150 | $560 |
| Oak Ridge, TN | $149,000 | $870 | $620 | $1,190 | $570 |
| Byrdstown, TN | $74,100 | $756 | $540 | $1,040 | $500 |
| Gainesboro, TN | $84,300 | $804 | $590 | $1,150 | $560 |
| Sequatchie County, TN | $138,100 | $843 | $570 | $1,200 | $630 |
| Calhoun, TN | $89,300 | $826 | $550 | $1,140 | $590 |
| Etowah, TN | $103,500 | $885 | $610 | $1,230 | $620 |