Murfreesboro Insurance Rates:

Murfreesboro, TN home insurance is about $703 to $955, about $58-$79/month. Our extensive research shows customers can save upto $331 by getting many quotes

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Murfreesboro Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $500/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $490,000

5 Beds, 5 Baths 4630 sqft Primary Residence Constructed In 1996 with Carpet Flooring, Shingles Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $890/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1540 sqft Seasonal Residence Constructed In 2010 with Carpet Flooring, Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $580/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1100 sqft Vacation Property Constructed In 2011 with Wood Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $320/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 1780 sqft Vacation Property Constructed In 2010 with Carpet over wood flooring, Composition Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Female who is Retired with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $790/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 3360 sqft Primary Residence Constructed In 2012 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $150/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2430 sqft Primary Residence Constructed In 2001 with Carpet over wood flooring, Composition Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $380/3 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 1830 sqft Rental Property Constructed In 1988 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Murfreesboro, TN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
37127 $179,700 $840
37128 $176,100 $840
37129 $166,200 $830
37130 $160,800 $830

Murfreesboro Rates & Quotes Analysis:

Murfreesboro Area Estimated House Insurance
Archer Ave, Skipton Dr, Stoney Meadow Dr, Maylon Dr, Bonaventure Ct, Saugus St, Joben Dr, Countryside Rd, Wexford Dr, Quaker Ct$816
Strickland Dr, Post Dr, Osborne Ln, Ragland Ave, Sweetspire Dr, Redmont Dr, Ent Ct, Bridlewood Dr, Black Stallion Ct, Aster Ct$837
Susan Dr, Grantland Ave, Larkway Dr, Throne St, Woodside Ct, Yuma Ct, John R Rice Blvd, London Ave, Castle View Ct, Marymont Springs Blvd$878
Majesty Dr, Sagewood Dr, New Nashville Hwy, Gordon Ter, Barfield Crescent Rd, Dave Way, Baulcom Ct, Ziffell Dr, Bell Buckle Rd, Cain Ct$815
Plainview Rd, Jamie Cir, Rodeo Rd, Chanda Ln, Dixon Ct, Winthrop Ave, W Barfield Rd, Talmadge Ct, Cooks Ct, Sanctuary Pl$805
Ashers Fork Rd, Saddlewood Ct, Ashford Ct, Velvet Ct, Palm Ct, War Paint Ct, Asbury Rd, Cooper Rd, Shacklett Rd, Stones River Mall Circle Blvd$854
Ramblewood Dr, Silver Springs Ct, Haynes Haven Ln, Mount Herman Rd, New Holland Cir, Breckenridge Dr, Yorktown Ct, Justice Rd, Hartford Dr, Scruggs Hollow Rd$843
Williamson Ct, Amstreedam Ct, Kari Dr, Concord Mill Dr, Tidesridge Cove, Firerock Dr, Raines St, Dakota Dr, Hanby Dr, Jerry Burns Rd$804
Falling Tree Ct, Cambridge Dr, Kay St, Compton Rd, Siegal Rd, Wakonda Ct, Cross Creek Ct, Creek Stone Xing, Nature Dr, Cedar View Dr$837
Sims Rd, Field Rd, Michalean Dr, Central Blvd, Grange Pl, Samsonite Blvd, Nelson Ln, Castlewood Ct, Jones Blvd, Clearview Dr$824

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,887 Homes (24% of total homes ) built between 1990 to 1999 in Murfreesboro are paying home insurance between $1,196-$1,208. Places close to Murfreesboro, TN such as Nolensville, Rural Hill, Wilson County are more expensive by $82, $30, $10 respectively while Rutherford County and Walterhill are cheaper by $12 and $65 respectively for similar homes.
  • Bedrooms: 12,232 2 bedrooms homes (27% of total homes ) in Murfreesboro are paying about $597 in contrast with Rutherford County (+$3), Eagleville (+$4), Nolensville (+$41), Walterhill (-$24) and Smyrna (-$9).
  • Auto Insurance Bundling: 10,787 Households (49% of all households) in Murfreesboro have 2 vehicles available and when it is bundled with home insurance you can save $165 and differs from Rutherford County ($164), Walterhill ($156), Smyrna ($163).
  • Senior Discounts: 8,179 seniors (more than 55 years) occupied housing units (37% of total) in Murfreesboro get discounts between $124 to $126. The comparative concessions in proximate regions such as Rutherford County, Walterhill and Smyrna are $123, $117 and $122 respectively.
  • New Homes discounts: New homes such as the 28,175 homes built between 2000 to 2009 in Murfreesboro can save $165 and varies from Rutherford County ($164), Walterhill ($156), Smyrna ($163).

Murfreesboro Homeowners insurance Facts

  • Murfreesboro, TN has 21,828 owner occupied houses which is 53.1% of all units whereas Rutherford County, Walterhill and Smyrna have 68.19%, 100.0% and 67.32% respectively.
  • Murfreesboro, TN homeowners yearly insurance price at $829 is 0.47% of the typical house value of $176,200 which is in contrast with 0.51% in Rutherford County, 0.88% at Walterhill & 0.54% in Smyrna.
  • Homeowners in Murfreesboro, TN pay 3.68% of their income ($20,000 to $24,999) in insurance whereas homeowners in Rutherford County, Smyrna and La Vergne pay 3.65%, 3.63% and 3.59% respectively.
  • Murfreesboro, TN’s insurance is 4.8% of monthly housing costs of $1,432/month, for owners with a mortgage compared to 5.23% in Rutherford County, 7.05% at Walterhill & 5.28% in Smyrna. But, for households without a mortgage, insurance is 16.3% of costs ($423 in Murfreesboro, TN) in contrast with 18.39% in Rutherford County, 20.04% at Walterhill & 18.53% in Smyrna.

Murfreesboro, TN Home Values & Insurance rates

For example, insurance for 333 Homes (1.0% of total homes ) valued between $80,000 to $89,999 in Murfreesboro, TN is about $397. Rates in nearby areas in such as Nolensville, Wilson County, Brentwood are cheaper by $141, $30, $229 respectively while Rutherford County and Walterhill are costlier by $38 and $347 respectively for similar homes.

Murfreesboro, TN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 716 3.0% $116
$80,000 to $89,999 333 1.0% $397
$90,000 to $99,999 739 3.0% $439
$100,000 to $124,999 2,360 11.0% $513
$125,000 to $149,999 3,333 16.0% $646
$150,000 to $174,999 3,022 14.0% $762
$175,000 to $199,999 2,415 11.0% $878
$200,000 to $249,999 3,818 18.0% $1052
$250,000 to $299,999 2,183 10.0% $1293
$300,000 to $399,999 1,574 7.0% $1641

Renters Insurance in Murfreesboro

  • Average Renters Insurance in Murfreesboro :  $168($14/month)

  • Median Gross Rent in Murfreesboro :  $834

  • Murfreesboro Renters Insurance to Median Rent Ratio:  1.68%

  • Average household size of renter-occupied unit :  2.41

Murfreesboro Renters Insurance as a Percentage of Rent

Murfreesboro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 251 1.0% $342
$200 to $299 285 1.0% $792
$300 to $499 1,004 5.0% $1242
$500 to $749 5,482 29.0% $1917
$750 to $999 6,120 32.0% $2667
$1,000 to $1,499 4,572 24.0% $3792
$1,500 or more 833 4.0% $5442

Rent Affordability in Murfreesboro:

Approximately 46.0% (8,906) of households are spending more than 35% of their income on gross rent in Murfreesboro

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,608 8.0%
15.0 to 19.9 percent 2,267 11.0%
20.0 to 24.9 percent 2,649 13.0%
25.0 to 29.9 percent 2,148 11.0%
30.0 to 34.9 percent 1,671 8.0%
35.0 percent or more 8,906 46.0%

Protective device discount in Murfreesboro Up to :  $25

Claims-free discount in Murfreesboro Up to :  $33