Gavop's guide to buying homeowners insurance in Ripley, 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 | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $98,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $149,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $214,000 | $190,000 | $175,000-$200,000 |
| 5 Bedroom | $245,500 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $566 |
| Superior Protection Discount | -$62 | $628 |
| Fire & Security Discount | -$55 | $635 |
| Hail Resistant Roof Discount | -$14 | $677 |
| Newly Constructed Home Discount | -$200 | $490 |
| 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 |
| Lauderdale County | $2,000 | $655 | $2,655 | $476 | $2,476 | $179 |
| Ripley, TN | $700 | $682 | $1,382 | $496 | $1,196 | $186 |
| Haywood County, TN | $300 | $737 | $1,037 | $536 | $836 | $201 |
| Luxora, AR | $700 | $637 | $1,337 | $463 | $1,163 | $174 |
| Chickasawba, AR | $400 | $755 | $1,155 | $549 | $949 | $206 |
| Gosnell, AR | $2,500 | $933 | $3,433 | $678 | $3,178 | $255 |
| Somerville, TN | $1,000 | $1,066 | $2,066 | $775 | $1,775 | $291 |
| Dyer, TN | $400 | $732 | $1,132 | $532 | $932 | $200 |
| Toone, TN | $2,500 | $745 | $3,245 | $541 | $3,041 | $204 |
| Tiptonville, TN | $200 | $741 | $941 | $539 | $739 | $203 |
| Buffalo, AR | $1,500 | $895 | $2,395 | $651 | $2,151 | $245 |
| Home Insurance Company Ripley, TN | Homeowners Insurance Agency Ripley, TN | Address | Popularity Score | Distance from Ripley (miles) |
|---|---|---|---|---|
| Allstate | Josh Roman - Memphis Insurance | 579 S Perkins Rd, Memphis, TN, 38117 | 48.3 | |
| Liberty Mutual Independent | Peterson Insurance Services | 8046 N Brother Blvd Ste 101, Bartlett, TN, 38133 | 39.4 | |
| Travelers | Howell Insurance Agency | 1303 W Market St Ste B, Bolivar, TN, 38008 | 44.9 | |
| Liberty Mutual Independent | Lipscomb & Pitts Insurance | 2670 Union Avenue Ext , Suite 200, Memphis, TN, 38112 | 48.9 | |
| Liberty Mutual Independent | Clay & Land Insurance Inc | 866 Ridgeway Loop Ste 200, Memphis, TN, 38120 | 47.8 | |
| Allstate | Deadrick Brittman | 3725 Highway 196 S Ste D, Collierville, TN, 38017 | 48.5 | |
| State Farm | David Ross | 8317 Cordova Road, Cordova, TN, 38016-2088 | 43.0 | |
| Allstate | Dianne Fitzgerald Cox | 837 Mount Moriah Rd, Memphis, TN, 38117 | 48.5 | |
| State Farm | Charlie Trotter | 7953 Stage Hills Blvd Ste 103, Bartlett, TN, 38133-4046 | 39.9 | |
| Travelers | Hinson Insurance | 470 Mall Blvd Suite B, Dyersburg, TN, 38024 | 23.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Tennessee | $151,700 | $1,044 | $700 | $1,490 | $790 |
| Lauderdale County, TN | $81,000 | $663 | $480 | $950 | $470 |
| Ripley, TN | $88,500 | $690 | $500 | $970 | $470 |
| Haywood County, TN | $104,300 | $746 | $530 | $1,020 | $490 |
| Luxora, AR | $33,000 | $645 | $460 | $890 | $430 |
| Chickasawba, AR | $81,800 | $764 | $560 | $1,090 | $530 |
| Gosnell, AR | $88,600 | $944 | $650 | $1,310 | $660 |
| Somerville, TN | $164,900 | $1,079 | $730 | $1,500 | $770 |
| Dyer, TN | $71,200 | $741 | $540 | $1,060 | $520 |
| Toone, TN | $73,800 | $754 | $550 | $1,030 | $480 |
| Tiptonville, TN | $73,000 | $750 | $520 | $1,030 | $510 |
| Buffalo, AR | $81,000 | $906 | $650 | $1,250 | $600 |