Athens Insurance Rates:

Athens, TN homeowners insurance is approximately $669 to $921, about $55-$76/month. Our all inclusive analysis reveals consumers can save as much as $318 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Athens, TN Homeowners Insurance By Home Value

Athens, TN Home Value Total Homes % of Total Average Athens, TN Homeowners Insurance
Less than $50,000 197 6.0% $174
$50,000 to $59,999 172 5.0% $373
$60,000 to $69,999 140 4.0% $461
$70,000 to $79,999 266 8.0% $532
$80,000 to $89,999 395 13.0% $604
$90,000 to $99,999 269 9.0% $675
$100,000 to $124,999 274 9.0% $787
$125,000 to $149,999 391 13.0% $977
$150,000 to $174,999 246 8.0% $1160
$175,000 to $199,999 148 5.0% $1335
$200,000 to $249,999 231 7.0% $1613
$250,000 to $299,999 119 4.0% $1971
$300,000 to $399,999 110 3.0% $2504

Top Home Insurance Agents Near Athens, TN

Home Insurance Company Near Athens, TN Homeowners Insurance Agency Near Athens, TN Address
Travelers Coffey Insurance Agency 5036 HWY 58 STE D, CHATTANOOGA, TN, 37416
Liberty Mutual Crockett Shamblin 2030 Falling Waters Road Suite 100, Knoxville, TN, 37922
Allstate Keith M. Thompson 400 S Moore Rd Ste A, Chattanooga, TN, 37412
State Farm Sage Kohler 10736 Hardin Valley Road, Knoxville, TN, 37932
Travelers Tate Insurance Group Inc 6423 DEANE HILL DR, KNOXVILLE, TN, 37919

Cost Of Homeowners Insurance By Street Near Athens, TN

Streets in Athens Area Homeowners Insurance Cost
Co Rd 252, Co Rd 235, Golf Crest Ln, State Hwy 305, Shryer Rd, Co Rd 324, Co Rd 103, Todd Kennedy Rd, Co Rd 350, Co Rd 175$793
Lynwood Cir, N Jackson St, Cooley Rd, N Hill St, Co Rd 280, Co Rd 347, Royal St, Brown St, Long Hollow Rd, Gregory Church Rd$787
Collins St, Hamby St, Davidson Rd, Dawson Rd, Peach St, Mason Rd, Co Rd 560, Co Rd 247, Valley Rd, Co Rd 439$791
Circle Dr, George St, Co Rd 264, Kilgore St, Co Rd 653, Co Rd 356, Crestway Dr, Cumberland Ave, Ed Bohannon Rd, Long Mill Rd$818
Hwy 307 E, Co Rd 446, Blount St, Co Rd 210, Fisher St, Union - McMinn Rd, Elk St, Moss Rd, Huffman Ave, Possum Creek Rd$799
Hwy 39, Hwy 30 W, Co Rd 329, Co Rd 583, Westside St, Co Rd 718, Edgewood Ave, Rayl Hollow Rd, S Matlock Ave, Co Rd 378$788
Co Rd 223, Dundee Rd, Wilson St, Co Rd 575, Shoemaker Rd, Long St, Moore St, Cr Rd 213, Raven Cove, Co Rd 666$784
Wilburn St, Sewee Church Rd, Fox St, Wabash St, Old Athens Englewood Rd, Canterbury St, Co Rd 218, N Jackson St, Sam Queen Rd, Co Rd 657$797
Brock Rd, Dixon Ave, Riddle Rd, Co Rd 573, N White St, Rose Dr, Crestway Cir, Elmhurst Dr, Co Rd 261, Valley Dr$805
Frank Moore Rd, Co Rd 184, Kinser Rd, Co Rd 276, Old Fashion Rd, Old Riceville Rd, Hutsell Dr, Co Rd 230, Co Rd 191, Co Rd 212$792

Athens, TN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Athens$117 to $120
McMinn County$119
Englewood$116
Riceville$118

Athens, TN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
McMinn County, Tennessee $99 $132 $198
Niota city, Tennessee $99 $132 $198
Englewood town, Tennessee $97 $129 $194

Athens, TN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Athens, TN6.7%18.5%
McMinn County6.71%21.65%
Niota7.38%22.74%
Englewood8.03%23.81%

Athens Renters Insurance as a Percentage of Rent

Athens Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 167 7.0% $361
$200 to $299 255 11.0% $811
$300 to $499 438 18.0% $1261
$500 to $749 994 43.0% $1936
$750 to $999 337 14.0% $2686
$1,000 to $1,499 95 4.0% $3811

Athens, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Athens Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,300$4,700
Net Savings to Athens Home Owner from High Deductible Plan $600

Athens, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Athens, TN Home Replacement Value MORE than Home Value Athens, TN Home Replacement Value LESS than Home Value
Replacement Value $114,000 $65,500
Insurance Premium based on Replacement Value $625 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $23,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $150/year

Example Athens Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceErie InsuranceNationwide Insurance
Monthly Premium 637052
Year Built 197519432002
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $125000-$150000$150000-$175000$175000-$200000
Deductible $500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Athens, TN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 265,000 Membrane Roof 3,340 4 $5000 to $10,000 Deductible 240 4 Fiber-Cement Siding yes
2005 195,000 Shingles Roof 3,030 4 $2500-$5000 Deductible 610 10 Stone Siding No
2007 95,000 Metal Roof 1,460 3 $500 Deductible 60 2 Fiber-Cement Siding yes
1978 155,000 Wood Shake Roof 2,480 4 $500- $1000 Deductible 500 9 Fiber-Cement Siding yes
1980 200,000 Wood Shake Roof 2,340 4 > $10,000 Deductible 40 1 Wood siding No
1942 260,000 Slate Shingles Roof 3,350 4 $500 Deductible 900 10 Wood siding No
1987 135,000 Slate Shingles Roof 1,920 3 $500 Deductible 310 5 Brick siding No
1976 185,000 Asphalt Shingles Roof 2,790 5 $1000-$2500 Deductible 610 9 Fiber-Cement Siding yes
2011 145,000 Shingles Roof 1,930 5 $1000-$2500 Deductible 50 1 Fiber-Cement Siding yes
2010 120,000 Metal Roof 1,340 3 $1000-$2500 Deductible 450 9 Stone Siding No
2013 120,000 Shingles Roof 1,750 3 $500 Deductible 350 9 Brick siding No
2007 110,000 Metal Roof 1,260 3 $2500-$5000 Deductible 380 12 Stone Siding No
1981 115,000 Tile Roof 1,310 3 $500- $1000 Deductible 160 3 Stone Siding yes
1987 200,000 Tile Roof 2,500 4 $1000-$2500 Deductible 130 2 Wood siding No
2000 235,000 Metal Roof 2,710 5 $500- $1000 Deductible 540 5 Stone Siding yes
1979 145,000 Asphalt Shingles Roof 2,290 3 $2500-$5000 Deductible 160 3 Wood siding No
1980 155,000 Tile Roof 1,750 3 $1000-$2500 Deductible 360 7 Stucco siding No
1940 140,000 Composition Roof 1,720 3 $500- $1000 Deductible 250 5 Wood siding No
1963 200,000 Metal Roof 2,450 4 $2500-$5000 Deductible 600 9 Brick siding No
1943 145,000 Metal Roof 1,760 3 $500- $1000 Deductible 290 7 Vinyl siding No
1969 210,000 Tile Roof 3,100 4 $1000-$2500 Deductible 620 7 Vinyl siding yes
1970 180,000 Shingles Roof 2,600 4 $1000-$2500 Deductible 460 6 Brick siding No
2013 140,000 Wood Shake Roof 2,040 4 $1000-$2500 Deductible 410 8 Wood siding yes
2006 160,000 Wood Shake Roof 1,910 3 $1000-$2500 Deductible 340 9 Vinyl siding yes
1966 120,000 Composition Roof 1,560 5 $500- $1000 Deductible 220 5 Stone Siding No
2011 120,000 Composition Roof 1,640 4 $500- $1000 Deductible 320 7 Vinyl siding yes
1979 245,000 Wood Shake Roof 2,980 4 $1000-$2500 Deductible 220 2 Vinyl siding No
1960 200,000 Tile Roof 3,360 4 $500 Deductible 570 8 Vinyl siding No
1972 160,000 Slate Shingles Roof 1,750 4 $2500-$5000 Deductible 170 4 Brick siding No
2001 270,000 Slate Shingles Roof 3,450 5 $2500-$5000 Deductible 660 12 Fiber-Cement Siding No