Gavop tells you how to get the best homeowners insurance in Polk 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 | $41,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $108,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $178,500 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $153,000 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $362,500 | $320,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$123 | $644 |
| Superior Protection Discount | -$69 | $698 |
| Fire & Security Discount | -$69 | $698 |
| Hail Resistant Roof Discount | -$15 | $752 |
| Newly Constructed Home Discount | -$153 | $614 |
| 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 |
| Polk County | $2,000 | $758 | $2,758 | $551 | $2,551 | $207 |
| Polk County, TN | $2,000 | $758 | $2,758 | $551 | $2,551 | $207 |
| East Cleveland, TN | $200 | $680 | $880 | $494 | $694 | $186 |
| McMinn County, TN | $700 | $909 | $1,609 | $660 | $1,360 | $248 |
| Rich Mountain, GA | $100 | $1,046 | $1,146 | $760 | $860 | $286 |
| Brasstown, NC | $500 | $766 | $1,266 | $556 | $1,056 | $209 |
| Middle Valley, TN | $700 | $881 | $1,581 | $641 | $1,341 | $241 |
| Valleytown, NC | $300 | $601 | $901 | $437 | $737 | $164 |
| Greenback, TN | $2,500 | $1,066 | $3,566 | $775 | $3,275 | $291 |
| Rossville-Beverly Hills, GA | $400 | $582 | $982 | $423 | $823 | $159 |
| Gordon County, GA | $1,000 | $814 | $1,814 | $591 | $1,591 | $222 |
| Home Insurance Company Polk County, TN | Homeowners Insurance Agency Polk County, TN | Address | Popularity Score | Distance from Polk County (miles) |
|---|---|---|---|---|
| Allstate | Esther Suggs | 6325 E Brainerd Rd, Chattanooga, TN, 37421 | 37.7 | |
| Travelers | Ocoee Insurance Services | 200 Harle Ave Nw, Cleveland, TN, 37311 | 19.5 | |
| Erie | Miller Insurance Services | 2 S White Street, Athens, TN, 37303 | 23.1 | |
| Travelers | Dickey Mccay Insurance Inc. | 146 Ocoee Street, Copperhill, TN, 37317 | 12.7 | |
| Travelers | Dickey Mccay Insurance Inc. | 146 Ocoee St, Copperhill, TN, 37317 | 12.7 | |
| State Farm | Reba Garrison | 2121 N Ocoee St Ste 109, Cleveland, TN, 37311-3953 | 19.1 | |
| State Farm | Kerry Smith | 3501 Dayton Blvd Ste C, Chattanooga, TN, 37415-4632 | 42.6 | |
| Farmers | Robert Maurice | 7030 Lee Hwy Ste 102, Chattanooga, TN, 37421 | 35.3 | |
| Allstate | Amie B. Landrus | 9222 Lee Hwy, Ooltewah, TN, 37363 | 29.5 | |
| State Farm | Eric Evans | 2431 Spring Creek Blvd Ne, Cleveland, TN, 37311-0970 | 18.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Tennessee | $151,700 | $1,044 | $760 | $1,430 | $670 |
| Polk County, TN | $110,900 | $767 | $560 | $1,070 | $510 |
| Polk County, TN | $110,900 | $767 | $530 | $1,100 | $570 |
| East Cleveland, TN | $60,900 | $688 | $500 | $970 | $470 |
| McMinn County, TN | $123,700 | $920 | $630 | $1,300 | $670 |
| Rich Mountain, GA | $172,400 | $1,059 | $760 | $1,490 | $730 |
| Brasstown, NC | $131,600 | $775 | $530 | $1,090 | $560 |
| Middle Valley, TN | $158,600 | $892 | $640 | $1,240 | $600 |
| Valleytown, NC | $105,900 | $608 | $440 | $840 | $400 |
| Greenback, TN | $165,100 | $1,079 | $740 | $1,530 | $790 |
| Rossville-Beverly Hills, GA | $75,000 | $589 | $390 | $840 | $450 |
| Gordon County, GA | $119,500 | $824 | $550 | $1,140 | $590 |