Chattanooga Insurance Rates:

Chattanooga, TN homeowners insurance is about $687 to $931, about $57-$77/month. Our thorough guide indicates shoppers can save as much as $323 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would say our deductible and coverage are very adequate for what we pay each month for insurance. In comparison I would have to say its rather affordable for what is available on the market today.
State Farm
My deductible stayed the same, but my cost was reduced over the previous year with another company. This made me very pleased!
I am completely satisfied with the deductible. They made sure I understood the different options and helped me to pick out the best option.
It offers everything needed, but perhaps could offer more benefits I'm not aware of that other companies do. I think it is just decent.
State Farm
I have to constantly check to see if my policy has changed or if i am still in good hands
The home insurance company that i am currently with is ameriprise. it is the home insurance company provided to me by costco. i like the fact that it was offered by costco, which provides me with convenience and ease. i know that i can trust this insurance company because i also trust costco and i know that they place a lot of emphasis in finding reliable and effective products to be offered by them
Overall, I like travelers because of its simple way of dealing with customers.
I am pleased with the service that Allstate home insurance provides in terms of their website. It is very easy to navigate and I am easily able to find the information that I need in order to solve any problems I am facing.
State Farm
My insurance company is always there when I need them or need to file a claim. I have never has any problems they didn't care for right away.
American General
I don't really have a problem with the premium amount, but like anyone else, I could use a larger discount and save some money.
State Farm
It is very easy to file a claim and get paid. I have had to do a few claims over the years and even other insurance agents are surprised by what is covered.
I like how I am quickly able to call and talk with an agent. Signing up made me feel exclusive.
State Farm
They keep me up to date with letters and e-mails about offers. I don't just hear from them when it's time to pay the bill, which is nice. It can be a bit of an overload and spam my though.
State Farm
I like that I have a competent agent, who knows the ins and outs of the insurance business, she is readily available for me to talk to if I need something explained or to discuss my current policies.
Country Financial
I have always liked Country Financial and the best part is the local representatives. They make the entire process flawless, provide great customer service, and ensure I am always satisfied with the product I am purchasing.
I have not experienced bad service but based on reviews from other people some agents seem to misinformed or under informed on how to handle certain issues
Erie Insurance
Overall I like that I can use the same company for both car and home and have awesome customer service. Not only that but the price is on par with other companies that are on a nation basis so I like being able to support a local company.
American Home Shield
The procedure I have recommended above, getting the dwelling repaired immediately and letting the Appraisal Clause resolve the claim settlement value after the policyholder is back in their home, is less stressful on the insured (and family) without diminishing the potential claim settlement.
I like the coverage options. I also like that they leave me alone and do not try to sell me additional coverage
State Farm
state farm insurance has been very good to me. it is priced reasonably and the agents there are very nice and reliable. when i have any questions they are alwasy eager to help me with them.
State Farm
The premium is great, and the customer service also is. I can't complain, because I've never had another insurance company, but can bet this one is right up there with the rest of them.
I like that they offer different aspects of insurance so you can get all of your needs covered by one company.
premium and deductible of your policy compared to the other home insurance policies
State Farm
Allstate's premium and deductible is very cost efficient. Ratings of this company compared to other companies is outstanding.
Progressive Insurance is better then all the other insurance in my opinion would be mainly for their bundle prices as well as their 24 hours on call if you need anything at anytime.
American Home Shield
i think the premium and deductible are a fair price its not to have i think there all about the same compared to other companies
Allstate you feel comfortable and understand exactly what your policy means. They are both very friendly, personable people and make the whole process a breeze! Highly recommend this company.
I've only had to use them once. They were actually very quick to respond and kept checking in with me. The company they sent to do work was ok too.
I have recommended this company to my sister who lives in my neighborhood because she has my same mindset when it comes to higher deductible, lower premiums.

Chattanooga, TN Homeowners Insurance By Home Value

Chattanooga, TN Home Value Total Homes % of Total Average Chattanooga, TN Homeowners Insurance
Less than $50,000 2,716 7.0% $145
$50,000 to $59,999 954 2.0% $307
$60,000 to $69,999 1,745 4.0% $380
$70,000 to $79,999 1,698 4.0% $436
$80,000 to $89,999 2,469 6.0% $493
$90,000 to $99,999 2,317 6.0% $550
$100,000 to $124,999 4,598 12.0% $639
$125,000 to $149,999 4,858 13.0% $800
$150,000 to $174,999 4,334 12.0% $946
$175,000 to $199,999 2,764 7.0% $1100
$200,000 to $249,999 3,335 9.0% $1318
$250,000 to $299,999 2,035 5.0% $1609
$300,000 to $399,999 1,817 5.0% $2046

Top Home Insurance Agents Near Chattanooga, TN

Home Insurance Company Near Chattanooga, TN Homeowners Insurance Agency Near Chattanooga, TN Address
Travelers Frank Steil Insurance 4610 HIXSON PIKE, HIXSON, TN, 37343
State Farm Hugh Walker 188 Old Mouse Creek Rd NW, Cleveland, TN, 37312-3835
Travelers Insurance World 1500A GAULT AVE N, FORT PAYNE, AL, 35967
Travelers Manning Insurance Group Inc 5469 Hixson Pike, Hixson, TN, 37343
State Farm Wade Dyar 1720 Gunbarrel Rd Ste 304, Chattanooga, TN, 37421-3192

Chattanooga, TN Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Chattanooga, TN

Streets in Chattanooga Area Homeowners Insurance Cost
Elaine Trl, Eddings St, Washington St, Lela Ln, Longview Dr, Delong Ave, Bellbrook Dr, Woods View Ct, N Briar Ln, Beason Dr$848
Gorse Ln, W Cherry St, Carriage Parc Dr, Pheasant Run Pl, Crutchfield St, Barn Rd, Westgate Rd, Barbara Ln, Chinkapin Ct, Guild St$863
Maryland Ave, Mulberry St, Hilltop Dr, Wesley Dr, Wiehl St, Outlook Cir, Crescent Park, Longview St, W Bell Ave, Conner Ln$827
Ballard Dr, Hadley Dr, Ridge Bay Dr, Levi Cemetery Rd, Moon St, Long Ave, Winterberry Rd, Monroe St, Dower Rd, Albany St$834
Grove Street Ct, Dumac Rd, Ocoee St Con, Oneal St, Locust Ln, Crutchfield St, Royal Fern Trl, Sidney St, Webb Cir, Fagan St$805
Kelly Rd, Lazy Circles Dr, Oakland Ter N, Columbia St, Southernwood Dr, Provence St, Waterfront Dr, Crest Dr, Brahma Dr, Birmingham Hwy$807
Valerian, E 48th St, W 7th St, Rosetree Dr, E 27th St, Arthur Ln, Gentle Mist Cir, W 11th St, Kellys Ferry Ave, Webb Rd$984
Anita Dr, Dowlen Rd, Hunter Woods Dr, Pershing Rd, Holly Crest Dr, Restoration Dr, N Briar Cir, Hillmont Ln, Carlin St, Homer Rd$890
Carolana Cir, Baskette Way, High Point Dr, Noa St, Norma Dr, Honey Ln, Kensington Dr, Pan Gap Rd, Chase Hunter Trl, South St$805
Valleybrook Cir, 6th Ave, Sleepy Hollow Rd, Darlington Way, Glover Rd, Pine Manor Dr, N Belle Arbor Ave, Robinwood Dr, Blue Oak Dr, Perry Rd$808

Chattanooga, TN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chattanooga$121 to $123
Red Bank$120
East Ridge$119

Chattanooga, 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
Ridgeside city, Tennessee $111 $148 $222
Red Bank city, Tennessee $100 $133 $200
East Ridge city, Tennessee $100 $133 $199

Chattanooga, 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
Chattanooga, TN5.8%16.7%
Red Bank6.27%17.5%
East Ridge6.4%19.47%

Chattanooga Renters Insurance as a Percentage of Rent

Chattanooga Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,632 5.0% $353
$200 to $299 1,338 4.0% $803
$300 to $499 3,293 10.0% $1253
$500 to $749 10,747 35.0% $1928
$750 to $999 7,978 26.0% $2678
$1,000 to $1,499 4,238 14.0% $3803
$1,500 or more 991 3.0% $5453

Chattanooga, TN Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
37404 $98,700 $800
37406 $86,900 $790
37402 $729,200 $1,120
37410 $65,500 $780
37407 $54,900 $770
37405 $191,100 $850
37403 $188,900 $850
37421 $171,300 $840
37419 $161,500 $820
37408 $154,500 $830
37416 $124,700 $810
37409 $112,000 $810
37411 $103,100 $800

Chattanooga, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Chattanooga Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$1,400$3,400
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $9,200$8,200
Net Savings to Chattanooga Home Owner from High Deductible Plan $1,000

Chattanooga, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chattanooga, TN Home Replacement Value MORE than Home Value Chattanooga, TN Home Replacement Value LESS than Home Value
Replacement Value $59,500 $40,500
Insurance Premium based on Replacement Value $250 $175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $9,000 Risk Exposure from Under Insuring Coverage is $10,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $25/year

Example Chattanooga Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyErie InsuranceChubb Group of Insurance
Monthly Premium 6142167
Year Built 201419971973
Home Details 4 Beds, 1 Baths2 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $175000-$200000$100000-$125000$500000-$600000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 145,000 Shingles Roof 1,440 2 $500 Deductible 150 2 Stucco siding yes
2013 320,000 Shingles Roof 3,150 4 > $10,000 Deductible 200 3 Fiber-Cement Siding yes
1991 270,000 Tile Roof 2,900 4 $500 Deductible 510 5 Wood siding yes
1945 80,000 Slate Shingles Roof 970 2 $500- $1000 Deductible 460 12 Wood siding yes
1987 115,000 Tile Roof 1,150 2 $500 Deductible 100 2 Fiber-Cement Siding No
2010 185,000 Wood Shake Roof 1,890 3 $5000 to $10,000 Deductible 120 3 Vinyl siding No
1965 320,000 Asphalt Shingles Roof 3,250 4 $2500-$5000 Deductible 890 8 Stone Siding yes
1981 170,000 Asphalt Shingles Roof 2,170 3 $500- $1000 Deductible 260 5 Stone Siding No
2011 230,000 Membrane Roof 2,360 4 $1000-$2500 Deductible 530 8 Fiber-Cement Siding No
1969 95,000 Shingles Roof 990 2 $1000-$2500 Deductible 150 6 Vinyl siding No
1976 135,000 Tile Roof 1,610 2 $1000-$2500 Deductible 410 9 Wood siding No
1946 100,000 Composition Roof 1,260 2 $1000-$2500 Deductible 120 5 Fiber-Cement Siding yes
1971 150,000 Slate Shingles Roof 1,540 2 $500- $1000 Deductible 260 6 Wood siding yes
1961 200,000 Membrane Roof 2,630 5 $500- $1000 Deductible 320 4 Brick siding yes
1988 380,000 Asphalt Shingles Roof 4,670 5 > $10,000 Deductible 620 9 Stone Siding yes
2012 385,000 Composition Roof 3,890 5 > $10,000 Deductible 80 1 Wood siding yes
1960 280,000 Shingles Roof 2,700 5 > $10,000 Deductible 120 3 Wood siding No
1993 175,000 Slate Shingles Roof 1,940 3 $5000 to $10,000 Deductible 420 8 Vinyl siding yes
1962 230,000 Wood Shake Roof 2,640 4 $5000 to $10,000 Deductible 220 5 Stone Siding yes
1982 315,000 Membrane Roof 4,150 5 $500- $1000 Deductible 1240 12 Stucco siding No
1988 450,000 Shingles Roof 4,810 5 $500- $1000 Deductible 480 3 Stone Siding No
1984 265,000 Shingles Roof 2,800 4 > $10,000 Deductible 90 2 Stucco siding No
1974 140,000 Composition Roof 1,930 4 $500- $1000 Deductible 490 8 Fiber-Cement Siding No
1946 120,000 Composition Roof 1,520 2 $500 Deductible 330 5 Wood siding yes
1980 90,000 Metal Roof 1,320 2 $500- $1000 Deductible 230 7 Fiber-Cement Siding yes
1946 335,000 Asphalt Shingles Roof 4,430 5 > $10,000 Deductible 480 5 Fiber-Cement Siding No
2014 85,000 Wood Shake Roof 940 2 $1000-$2500 Deductible 40 2 Fiber-Cement Siding yes
1986 105,000 Shingles Roof 1,440 2 $500- $1000 Deductible 40 1 Vinyl siding No
1982 160,000 Asphalt Shingles Roof 1,900 3 $500 Deductible 570 7 Vinyl siding No
1978 110,000 Tile Roof 1,450 3 $500 Deductible 540 12 Stone Siding No

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