How Can I Make My Chattanooga, TN Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Chattanooga, TN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Chattanooga, TN Home Insurance Coverage Levels | Back to Top
| Chattanooga, TN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Waterfront Ct, Ealy Rd, Kittrell Ln, E 48th St, Lexington St, Honey Ln, Helmhurst Pl, S Mission Oaks Dr, Crutchfield St, Shinnecock Trl | $191,500 | $180,000 | $150,000-$175,000 | $111,500 | $100,000 | $100,000-$125,000 |
| Wesley Dr, Honest St, Arlington Ave, Jersey Pike, Chickamauga Whirley, Fagan St, N Highland Park Ave, Villa Ter, Heaton St, Gardenspot Ln | $133,500 | $120,000 | $125,000-$150,000 | $95,000 | $80,000 | $75,000-$100,000 |
| Restoration Dr, Palmetto St, Ash St, Barker Rd, W 37th St, Baron Ln, Towne Hills Dr, Wimpton Ln, Godsey Ln, S Crestfield Ln | $177,500 | $150,000 | $175,000-$200,000 | $102,000 | $90,000 | $100,000-$125,000 |
| Mark Ln, Ocoee St, Jarnigan Rd, Valleybrook Ln, Norcross Rd, Nellie St, Moore St, Drew St, Loftis St, Ziegler St | $153,000 | $140,000 | $150,000-$175,000 | $75,500 | $70,000 | $75,000-$100,000 |
| Nadick Ln, Montvale Cir, Wildflower Ln, Brookmont Ln, Marco Cir, Dallas Rd, Benton Ave, Creek Overlook Rd, W Henderson Dr, Nowlin Ln | $193,500 | $160,000 | $200,000-$250,000 | $93,000 | $80,000 | $100,000-$125,000 |
| High Crest Rd, Buena Vista Ter, Hickory Ridge Dr, S Market St, Lynnolen Ln, South Dr, Carver Ln, Intermont Dr, Bachman St, Ashton View Dr | $241,000 | $200,000 | $175,000-$200,000 | $146,500 | $120,000 | $125,000-$150,000 |
| Colonial Shores Dr, Brently Ests, Brewer St, Angela Dr, Close Rd, John Douglass Dr, Graston Ave, Peppertree Dr, Cove Ln, Pinewood Dr | $203,000 | $190,000 | $150,000-$175,000 | $215,500 | $180,000 | $200,000-$250,000 |
| Webb Cir, Ilene Ct, Connell St, Ramona Ave, Balmoral Dr, Sidney St, Stonedge Pt, W 11th St, Barchel Cir, Hickory Woods Ln | $127,000 | $100,000 | $125,000-$150,000 | $154,000 | $130,000 | $175,000-$200,000 |
| Amber Ln, Manassas Gap Ln, John Ross Rd, Woodbury Ave, Ridgeway Dr, Henderson St, Snow Hill Rd, Brittany Ln, Fairmount Ave, Mac Ln | $189,500 | $180,000 | $175,000-$200,000 | $126,500 | $100,000 | $100,000-$125,000 |
| E 27th St, Woods View Ct, Spring Valley Dr, Adona Ln, Converse Ave, Slatermill Dr, 8th Ave, Legends Way, Pearl St, Co Hwy 180 | $109,500 | $90,000 | $100,000-$125,000 | $81,500 | $70,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Chattanooga, TN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$166 | $810 |
| Superior Protection Discount | -$88 | $889 |
| Fire & Security Discount | -$107 | $869 |
| Hail Resistant Roof Discount | -$20 | $957 |
| Newly Constructed Home Discount | -$205 | $771 |
Choose the Right Deductible for your Chattanooga, TN Home | Back to Top
| 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 | $1,500 | $994 | $2,494 | $722 | $2,222 | $272 |
| Chattanooga, TN | $2,000 | $965 | $2,965 | $701 | $2,701 | $264 |
| Walden, TN | $100 | $1,592 | $1,692 | $1,157 | $1,257 | $435 |
| Fairmount, TN | $2,000 | $1,525 | $3,525 | $1,109 | $3,109 | $417 |
| Collegedale, TN | $500 | $802 | $1,302 | $583 | $1,083 | $219 |
| Walker County, GA | $1,500 | $773 | $2,273 | $562 | $2,062 | $211 |
| South Pittsburg, TN | $200 | $855 | $1,055 | $621 | $821 | $234 |
| Cisco, GA | $700 | $648 | $1,348 | $471 | $1,171 | $177 |
| Chatsworth, GA | $400 | $662 | $1,062 | $481 | $881 | $181 |
| Riceville, TN | $700 | $859 | $1,559 | $624 | $1,324 | $235 |
| Chattooga County, GA | $200 | $825 | $1,025 | $599 | $799 | $225 |
| Hillsboro, TN | $1,000 | $988 | $1,988 | $718 | $1,718 | $270 |
Identify Top Home Insurance Agents near Chattanooga, TN | Back to Top
| Home Insurance Company Chattanooga, TN | Homeowners Insurance Agency Chattanooga, TN | Address | Popularity Score | Distance from Chattanooga (miles) |
|---|---|---|---|---|
| Travelers | Greater Chattanooga Insurance | 5506 Miller Dr, Chattanooga, TN, 37411 | 4.4 | |
| State Farm | Stephanie Sinkfield | 1515 Gunbarrel Rd Ste 123, Chattanooga, TN, 37421-3840 | 5.9 | |
| Liberty Mutual Independent | Rss Insurance | 6236 Airpark Dr, Chattanooga, TN, 37421 | 4.2 | |
| Travelers | Manning Insurance Group Inc | 5469 Hixson Pike, Hixson, TN, 37343 | 5.6 | |
| Nationwide | Lincoln T Ware Agency | 5438 Hixson Pike, Hixson, TN, 37343 | 5.5 | |
| Travelers | Dickey Mccay Insurance Inc. | 146 Ocoee St, Copperhill, TN, 37317 | 50.1 | |
| Farmers | Eric Kee Lutcf | 6441 Bonny Oaks Dr Ste B, Chattanooga, TN, 37416 | 4.8 | |
| Travelers | River City Insurance | 3320 Dayton Blvd, Chattanooga, TN, 37415 | 4.1 | |
| Farmers | Robert Maurice | 7030 Lee Hwy Ste 102, Chattanooga, TN, 37421 | 5.3 | |
| Travelers | Coffey Insurance Agency | 5036 Hwy 58 Ste D, Chattanooga, TN, 37416 | 4.8 |
Compare Rates for Chattanooga, TN Home Insurance Providers | Back to Top
| 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 | $1,470 | $770 |
| Hamilton County, TN | $166,100 | $1,006 | $670 | $1,420 | $750 |
| Chattanooga, TN | $153,900 | $977 | $650 | $1,380 | $730 |
| Walden, TN | $369,500 | $1,611 | $1,080 | $2,270 | $1,190 |
| Fairmount, TN | $352,800 | $1,544 | $1,130 | $2,210 | $1,080 |
| Collegedale, TN | $191,400 | $812 | $590 | $1,140 | $550 |
| Walker County, GA | $111,100 | $783 | $560 | $1,120 | $560 |
| South Pittsburg, TN | $98,600 | $865 | $630 | $1,240 | $610 |
| Cisco, GA | $85,000 | $656 | $470 | $920 | $450 |
| Chatsworth, GA | $109,500 | $670 | $450 | $930 | $480 |
| Riceville, TN | $99,500 | $869 | $630 | $1,190 | $560 |
| Chattooga County, GA | $68,500 | $835 | $590 | $1,160 | $570 |
| Hillsboro, TN | $136,700 | $1,000 | $730 | $1,410 | $680 |
Research Home Insurance Companies Reviews in Chattanooga, TN Before Buying | Back to Top
Share a review on your home insurance company
AIG Home Insurance Reviews
Date: September 01, 2018 Age: Above 60 Gender: Female Marital Status: Married
Communication
THEY ARE ALWAYS THERE TO ANSWER MY QUESTIONS. COMMUNICATIONS IS NOT A PROBLEM. THEY WILL ANSWER YOUR QUESTIONS WITH SATISFACTION,
Date: August 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
I like the company's website because it's easy to navigate and find information.
Date: August 03, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I'm completely satisfied with the customer service because they're friendly and the wait times are minimal.
Date: June 08, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Website/App
I REALLY DO NOT LIKE THIS WEBSITE BECAUSE IT GIVES ME MANY PROBLEMS. IT IS MANY TWIST AND TURNS. I TEND TO GET DISAPPOINTED AND WAIT TO CALL THEM ON PHONE
Date: May 05, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Communication
the people that I deal with from the insurance company seem to know what they need to know and are very versed on insurance law.
Date: March 11, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
IF I CALL ABOUT A QUESTION I RECEIVE AN ANSWER IMMEDIATELY WITH A FOLLOW UP IF NEEDED. THEY ARE GREAT TO CALL ON WHEN THERE IS TROUBLE.
Date: November 19, 2017 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
COMPARED TO OTHER COMPANIES THE PREMIUM IS GOOD BUT IT COULD BE BETTER AND NEXT YEAR LOOK FOR A DIFFERENT COMPANY.
Date: November 18, 2017 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
BASICALLY THE DWELLING AND FURNITURE INSIDE. IF ACCIDENT PAYS FOR MEDICAL PAYMENT. I HAVE NO OUTSIDE STRUCTURE TO BE CONSIDERED
State Farm Home Insurance Reviews
Date: October 25, 2019 Age: Above 60 Gender: Female Marital Status: Married
Premium
I don't know much about other company's policies and deductions, but I am under the impression our terms are pretty standard in the industry.
Date: September 20, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I would rate the customer service a 2. About three years ago, we received an email that our homeowners insurance would be cancelled if we did not respond to an email with our mortgage loan information.
Date: August 21, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
Very economical premium and deductible, easy to renew and keep the same level of service, until other vendors that would rake you through the coals
Date: July 18, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I have always been pleased with State Farm's customer service. Since we have had them for over 40 years, I would definitely give them a 5.
Date: March 28, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
Our deductible is surprisingly low, but this is probably due to the fact that we bundle our insurance services together. The premium is actually cheaper then competitors on the market.
Date: October 30, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Website/App
I rarely use the website, but it does provide me the basic information that I am seeking so overall I am very satisfied with the website.
Motorist Insurance Home Insurance Reviews
Date: August 31, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
I have a bit more on my policy because I have a trampoline so it also has a higher liability limit due to that. Otherwise, it is high because I am rural and far from a fire hydrant and fire station.
Date: August 24, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I could probably get better coverage cheaper with a big carrier but I know mine it tried and true and they fight for me to get the best possible outcome. They were able to get an additional 500 on my car when it was totaled which paid for the policy in itself and everything was so fast. Because for at experience I trust if I ever have a house fire this service is worth the minimal extra costs
Date: May 15, 2018 Age: Above 60 Gender: Female Marital Status: Married
Website/App
Honestly, I don't really need to do much on the website because they call and I do everything over the phone. I do like that I get email messages when something pops up but other than that I don't use it
Date: May 13, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
I really enjoy everything about the communication because it is fast and I can always get ahold of someone on the first try without having to wait for a million phone prompts
Date: May 07, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
immediate service, always someone to talk to including cell phone numbers, weekend and 24-hour service and people go above and beyond
Liberty Mutual Home Insurance Reviews
Date: November 27, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
I'm paying a little more for this insurance policy but the coverage is much better than the old policy. I now have coverage that would completely replace my home, belongings, and outdoor buildings - unlike the old policy which only covered the house and a few contents.
Date: August 13, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Communication
interaction communication insurance company is very number one best company in word .
Date: July 28, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
company customer service is most best one of the service . i am very like this service
Farmer's Insurance Home Insurance Reviews
Date: September 26, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
As with Allstate, the agent is all about sales, I do not expect that they will be too helpful when I am in need.
Date: August 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Website/App
I haven't used it a lot, truthfully, but it seemed just okay. Not as user friendly as Allstate. Might choose a different company someday if finances improve.
Date: July 29, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
I switched from Allstate after a claim was denied on my roof. I had to replace the roof myself, so the choice for Farmers was strictly price. Why pay a lot for insurance if they won't cover damages. I'm not unhappy with Farmers but the policy I currently have is not very comprehensive, but I'm poor with making roof payments.
Country Financial Home Insurance Reviews
Date: December 30, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
I would rate my insurance highly because they are always ready to answer my questions. I haven't had to file claims but they are quick to answering my questions.
Nationwide Home Insurance Reviews
Date: February 08, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
I don't actually think my policy covered as much as other homeowner policies. I was under the impression that all the new appliance maintenance was part of my policy when I bought it, but there were serious limitations on the policy I actually ended up with.
American Home Shield Home Insurance Reviews
Date: December 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The deductible is also an issue with most policies I have seen. You have to pay a 60 charge for each visit and then if they have to replace something there is a fairly high deductible which makes it so we don't even call usually.
Allstate Home Insurance Reviews
Date: December 08, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I used to have another big name insurance company and i was paying 600$ more before switching to Allstate now i can just start saving those 600$
Travelers Home Insurance Reviews
Date: July 11, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I've been satisfied with the premium and the deductible for all types of damage. I live in a city now so less likelihood for flood and other types of damage for which a deducitble might be an issue.
GEICO Home Insurance Reviews
Date: January 02, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I'm very satisfied with the renter insurance that I purchased, customer service has been great, if I have something that I need to clarify, there is always someone there to answer my question.