Gavop shows you how to buy homeowners insurance in Middle Valley, TN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $166,000 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $129,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $228,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $390,500 | $320,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$152 | $740 |
| Superior Protection Discount | -$80 | $812 |
| Fire & Security Discount | -$89 | $803 |
| Hail Resistant Roof Discount | -$18 | $874 |
| Newly Constructed Home Discount | -$241 | $651 |
| 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 |
| Hamilton County | $2,500 | $994 | $3,494 | $722 | $3,222 | $272 |
| Middle Valley, TN | $2,500 | $881 | $3,381 | $641 | $3,141 | $241 |
| Hamilton County, TN | $400 | $994 | $1,394 | $722 | $1,122 | $272 |
| Lone Oak, TN | $700 | $1,089 | $1,789 | $791 | $1,491 | $298 |
| Sale Creek, TN | $300 | $1,017 | $1,317 | $739 | $1,039 | $278 |
| Lookout Mountain, TN | $1,500 | $2,490 | $3,990 | $1,809 | $3,309 | $680 |
| Graysville, TN | $200 | $654 | $854 | $475 | $675 | $179 |
| Ringgold, GA | $1,000 | $811 | $1,811 | $589 | $1,589 | $222 |
| Dayton, TN | $300 | $750 | $1,050 | $545 | $845 | $205 |
| McMinn County, TN | $1,500 | $909 | $2,409 | $660 | $2,160 | $248 |
| Higdon-Mobile, GA | $400 | $1,137 | $1,537 | $826 | $1,226 | $311 |
| Henagar, AL | $700 | $799 | $1,499 | $581 | $1,281 | $218 |
| Home Insurance Company Middle Valley, TN | Homeowners Insurance Agency Middle Valley, TN | Address | Popularity Score | Distance from Middle Valley (miles) |
|---|---|---|---|---|
| State Farm | Don Self | 5559 Little Debie Pkwy Ste 123, Ooltewah, TN, 37363-5597 | 10.5 | |
| State Farm | Ryan Sharpe | 6550 Old Dayton Pike Ste 100, Hixson, TN, 37343-2652 | 2.9 | |
| Liberty Mutual Independent | Rss Insurance | 6236 Airpark Dr, Chattanooga, TN, 37421 | 10.7 | |
| Liberty Mutual Independent | Southern Insurance Associates | 4525 Hixson Pike, Hixson, TN, 37343 | 5.6 | |
| Farmers | Jonathan Hunter | 6441 Bonny Oaks Dr Ste B, Chattanooga, TN, 37416 | 8.2 | |
| Allstate | Homer Tittle | 4159 Ringgold Rd Ste 101, Chattanooga, TN, 37412 | 13.6 | |
| State Farm | Tom Kolb | 5466 Hixson Pike, Hixson, TN, 37343-3249 | 3.6 | |
| State Farm | Nancy Moore | 6016 Shallowford Rd Ste 1100, Chattanooga, TN, 37421-7232 | 9.5 | |
| Farmers | Brian Gass | 6441 Bonny Oaks Dr Ste B, Chattanooga, TN, 37416 | 8.2 | |
| Liberty Mutual Independent | Cornerstone Insurance Group In | 6505 Lee Hwy, Chattanooga, TN, 37421 | 10.8 |
| 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 | $1,480 | $780 |
| Hamilton County, TN | $166,100 | $1,006 | $730 | $1,430 | $700 |
| Middle Valley, TN | $158,600 | $892 | $630 | $1,260 | $630 |
| Hamilton County, TN | $166,100 | $1,006 | $720 | $1,400 | $680 |
| Lone Oak, TN | $174,400 | $1,102 | $740 | $1,510 | $770 |
| Sale Creek, TN | $146,500 | $1,029 | $750 | $1,470 | $720 |
| Lookout Mountain, TN | $541,400 | $2,520 | $1,740 | $3,600 | $1,860 |
| Graysville, TN | $56,200 | $662 | $470 | $950 | $480 |
| Ringgold, GA | $148,900 | $821 | $590 | $1,130 | $540 |
| Dayton, TN | $108,500 | $759 | $540 | $1,060 | $520 |
| McMinn County, TN | $123,700 | $920 | $670 | $1,260 | $590 |
| Higdon-Mobile, GA | $204,900 | $1,151 | $770 | $1,630 | $860 |
| Henagar, AL | $73,100 | $809 | $550 | $1,160 | $610 |