Cleveland Insurance Rates:

Cleveland, TN home insurance is about $692 to $944, about $57-$78/month. Our exhaustive analysis shows customers can save as much as $327 by getting multiple quotes

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Read Cleveland, Tennessee Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Cleveland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $840/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 2260 sqft Rental Property Constructed In 1978 with Wood Flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1940/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $440,000

5 Beds, 5 Baths 4820 sqft Vacation Property Constructed In 2014 with Linoleum, Composition Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $170/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

5 Beds, 5 Bath 3900 sqft Primary Residence Constructed In 1979 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $390/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

5 Beds, 5 Bath 2190 sqft Vacation Property Constructed In 2000 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1340/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 3190 sqft Seasonal Residence Constructed In 1987 with Stone Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

Home Insurance Rate of $2700/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $445,000

5 Beds, 5 Baths 4990 sqft Rental Property Constructed In 1991 with Hardwood Flooring, Tile Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Female who is Retired and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1680/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 3860 sqft Seasonal Residence Constructed In 1975 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1740 sqft Seasonal Residence Constructed In 1983 with Carpet Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1110/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Baths 3730 sqft Rental Property Constructed In 1975 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Married Female who is Retired with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $590/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

5 Beds, 5 Baths 2040 sqft Rental Property Constructed In 1979 with Hardwood Flooring, Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $770/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 4240 sqft Rental Property Constructed In 1993 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $190/4 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Baths 1618 sqft Primary Residence Constructed In 1964 with Carpet Flooring, Composition Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Cleveland, TN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
37312 $172,800 $840
37323 $115,800 $810
37311 $113,900 $800

Cleveland Rates & Quotes Analysis:

Cleveland Area Estimated House Insurance
Chambliss Ave NW, 3rd St SW, Canary Dr, Todd Rd SE, Crest Dr, Autumn Dr NE, 14th St SE, Poteet Rd, W Railroad St NE, Fair St SE$772
Holly St NE, Old Federal Rd SE, Jacob St, McClain Dr, State Rte 311, Worth St NE, Wilson Ln, Hilltop Dr NW, Raider Dr, 3rd St SE$772
State Rte 308, Logan Rd, Overhead Bridge Rd NE, Prividence Ln NW, Tanglewood Dr, Hawk St SE, Clairmont Dr, Old Eureka Rd NW, Julian Dr, Pine View Ln$838
Dixie Dr, Woodcrest Cir NW, Mowery Cir, Circle Dr NE, Elkmont Cir, Robin Dr, Powerline Ln NE, Parker Ave SW, Degree Trl, Ocoee St N$824
Eastview Ave, N Mouse Creek Rd NW, King Edward Ave SE, Mountain Cove Pl NW, Stevens St, Frederick Andrew Dr NW, Laurel Dr, S McDonald Rd SW, Cowan St NW, Davis Dr$826
Woodcrest Cir, Navaho Trl, Timber Ct, Mapleton Ct, 18th St NW, Eastview Cir NW, Charterwood Ln NE, Varner Dr SW, Old Bean Rd, Terri Ln$827
Gibson St, Old Union Grove Rd, Tanglewood Trl, 2nd St SW, Marie Cir, 15th St SE, Foxfire Ln NE, Michigan Avenue School Rd, Old N Lee Hwy, Hunt Rd SE$800
Royal Dr NW, Tillie Rd NE, McIntire Ave NE, Scotts Ln SW, Crawford Dr, Stuckey Dr NW, Springhouse Rd NE, Emmyllie Ct NE, Sharpe Rd SW, Bell Crest Dr NW$830
Rogers Dr SE, Woodbine Cir, Bartlett Cir NE, Homestead Cir, Shadowwood Dr, Faulk Ct, Tillie Dr, Falcon Dr, Singletree Dr NW, Old Chattanooga Pike SW$794
Old Eureka Rd, Hughes Ave NW, Peel W, Howard Rd, Linda Way SW, Mansion Hill Ct, 1st St NW, Burnt Hollow Trl SE, Driftwood Trl, East St NE$818

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,441 Homes (13% of total homes ) built between 1980 to 1989 in Cleveland are paying home insurance between $1,220-$1,232. Places close to Cleveland, TN such as Collegedale, Apison, Lakesite are more expensive by $14, $44, $24 respectively while Bradley County and East Cleveland are cheaper by $13 and $76 respectively for similar homes.
  • Bedrooms: 6,327 2 bedrooms homes (36% of total homes ) in Cleveland are paying about $598 and differs from Apison (+$12), Lakesite (+$3), Cohutta(GA) (+$27), Bradley County (-$15) and East Cleveland (-$30).
  • Auto Insurance Bundling: 1,945 Households (25% of all households) in Cleveland have 3 or more vehicles available and when it is bundled with home insurance you can save $204 in contrast with Bradley County ($202), East Cleveland ($191), Hopewell ($203).
  • Senior Discounts: 3,722 seniors (more than 55 years) occupied housing units (49% of total) in Cleveland get discounts between $122 to $125 and varies from Bradley County ($121), East Cleveland ($115), South Cleveland ($119).
  • New Homes discounts: New homes such as the 7,555 homes built between 2000 to 2009 in Cleveland can save $163 and differs from Bradley County ($161), East Cleveland ($153), Hopewell ($162).

Cleveland Homeowners insurance Facts

  • Cleveland, TN has 7,518 owner occupied houses which is 47.7% of all units whereas Bradley County, East Cleveland and Hopewell have 66.85%, 43.15% and 94.32% respectively.
  • Cleveland, TN homeowners yearly insurance price at $818 is 0.53% of the typical house value of $155,200 which is in contrast with 0.58% in Bradley County, 1.4% at East Cleveland & 0.56% in Hopewell.
  • Homeowners in Cleveland, TN pay 2.97% of their income ($25,000 to $29,999) in insurance whereas homeowners in Bradley County, East Cleveland and Hopewell pay 2.94%, 2.79% and 2.96% respectively.
  • Cleveland, TN’s insurance is 5.6% of monthly housing costs of $1,215/month, for owners with a mortgage compared to 6.06% in Bradley County, 8.43% at East Cleveland & 6.0% in Hopewell. But, for households without a mortgage, insurance is 17.0% of costs ($400 in Cleveland, TN) in contrast with 20.12% in Bradley County, 27.67% at East Cleveland & 16.52% in Hopewell.

Cleveland, TN Home Values & Insurance rates

For example, insurance for 552 Homes (7.0% of total homes ) valued between $300,000 to $399,999 in Cleveland, TN is about $1,840. Rates in nearby areas in such as Collegedale, Apison, Lakesite are cheaper by $178, $443, $273 respectively while Bradley County and Hopewell are costlier by $198 and $111 respectively for similar homes.

Cleveland, TN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 519 7.0% $130
$50,000 to $59,999 200 2.0% $269
$60,000 to $69,999 254 3.0% $335
$70,000 to $79,999 250 3.0% $392
$80,000 to $89,999 408 5.0% $441
$90,000 to $99,999 229 3.0% $498
$100,000 to $124,999 1,016 14.0% $572
$125,000 to $149,999 713 10.0% $719
$150,000 to $174,999 857 12.0% $850
$175,000 to $199,999 597 8.0% $981
$200,000 to $249,999 960 13.0% $1186
$250,000 to $299,999 441 6.0% $1447
$300,000 to $399,999 552 7.0% $1840

Renters Insurance in Cleveland

  • Average Renters Insurance in Cleveland :  $193($16/month)

  • Median Gross Rent in Cleveland :  $669

  • Cleveland Renters Insurance to Median Rent Ratio:  2.39%

  • Renter occupied housing units in Cleveland :  8,239

Cleveland Renters Insurance as a Percentage of Rent

Cleveland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 292 3.0% $348
$200 to $299 332 4.0% $798
$300 to $499 1,038 13.0% $1248
$500 to $749 3,547 45.0% $1923
$750 to $999 1,617 20.0% $2673
$1,000 to $1,499 718 9.0% $3798
$1,500 or more 180 2.0% $5448

Rent Affordability in Cleveland:

Approximately 50.0% (4,148) of households are spending more than 35% of their income on gross rent in Cleveland

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 656 7.0%
15.0 to 19.9 percent 743 9.0%
20.0 to 24.9 percent 1,149 13.0%
25.0 to 29.9 percent 847 10.0%
30.0 to 34.9 percent 696 8.0%
35.0 percent or more 4,148 50.0%

Protective device discount in Cleveland Up to :  $28

Claims-free discount in Cleveland Up to :  $38