Gavop's guide to buying homeowners insurance in Wayne 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 | $45,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $86,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $140,500 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $234,500 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $155,000 | $120,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$101 | $618 |
| Superior Protection Discount | -$65 | $654 |
| Fire & Security Discount | -$72 | $647 |
| Hail Resistant Roof Discount | -$14 | $705 |
| Newly Constructed Home Discount | -$194 | $525 |
| 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 |
| Wayne County | $1,000 | $710 | $1,710 | $516 | $1,516 | $194 |
| Wayne County, TN | $1,000 | $710 | $1,710 | $516 | $1,516 | $194 |
| Collinwood, TN | $200 | $790 | $990 | $574 | $774 | $216 |
| Clifton, TN | $1,500 | $921 | $2,421 | $669 | $2,169 | $252 |
| Scotts Hill, TN | $500 | $827 | $1,327 | $601 | $1,101 | $226 |
| Stantonville, TN | $700 | $763 | $1,463 | $554 | $1,254 | $208 |
| Michie, TN | $500 | $776 | $1,276 | $564 | $1,064 | $212 |
| Burnsville, MS | $2,500 | $791 | $3,291 | $575 | $3,075 | $216 |
| Glen, MS | $200 | $1,112 | $1,312 | $808 | $1,008 | $304 |
| Guys, TN | $2,000 | $791 | $2,791 | $575 | $2,575 | $216 |
| Corinth, MS | $200 | $782 | $982 | $568 | $768 | $214 |
| Parker's Crossroads, TN | $2,500 | $837 | $3,337 | $608 | $3,108 | $229 |
| Home Insurance Company Wayne County, TN | Homeowners Insurance Agency Wayne County, TN | Address | Popularity Score | Distance from Wayne County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Elliott & Associates | 251 N Military Ave, Lawrenceburg, TN, 38464 | 27.5 | |
| Erie | Winterburn & Associates Insurance Llc | 116 1st St, Pulaski, TN, 38478 | 44.7 | |
| State Farm | Jane Ambrose-Herron | 1222 Highway 100, Centerville, TN, 37033-1077 | 45.2 | |
| Travelers | The Roger Smith Agency Inc | 231 S Main St, Waynesboro, TN, 38485 | 6.1 | |
| State Farm | Tasha Johnson | 38 S Main St, Lexington, TN, 38351-2104 | 42.8 | |
| State Farm | Linda Norton | 609 S James Campbell Blvd, Columbia, TN, 38401-4333 | 49.6 | |
| Travelers | The Roger Smith Agency Inc | 231 S Main Street, Waynesboro, TN, 38485 | 6.1 | |
| State Farm | Bill Blair | 414 W College St, Pulaski, TN, 38478-3714 | 44.4 | |
| Erie | Landers Insurance Agency | 1412 Trotwood Avenue, Ste. 16, Columbia, TN, 38401 | 48.6 | |
| Erie | Casey Insurance Agency | 459 E Main Street, Henderson, TN, 38340 | 47.8 |
| 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 | $1,450 | $750 |
| Wayne County, TN | $96,400 | $719 | $490 | $1,030 | $540 |
| Wayne County, TN | $96,400 | $719 | $510 | $990 | $480 |
| Collinwood, TN | $83,500 | $800 | $540 | $1,100 | $560 |
| Clifton, TN | $116,100 | $932 | $640 | $1,280 | $640 |
| Scotts Hill, TN | $91,800 | $837 | $570 | $1,190 | $620 |
| Stantonville, TN | $77,500 | $772 | $520 | $1,060 | $540 |
| Michie, TN | $80,200 | $785 | $530 | $1,110 | $580 |
| Burnsville, MS | $58,000 | $801 | $580 | $1,110 | $530 |
| Glen, MS | $104,200 | $1,126 | $820 | $1,610 | $790 |
| Guys, TN | $83,600 | $801 | $570 | $1,100 | $530 |
| Corinth, MS | $102,200 | $791 | $570 | $1,120 | $550 |
| Parker's Crossroads, TN | $94,200 | $847 | $570 | $1,170 | $600 |