Columbia Insurance Rates:

Columbia, TN homeowners insurance is approximately $676 to $919, about $56-$76/month. Our in depth analysis reveals consumers can save upto $319 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I have never dealt with a home insurance company because I do not own my own home.
Ameriprise
They are like many other insurance companies and have a list of dogs they will refuse to insure you home if you own. unfortunately, that list contains all the most popular breeds. that was not an accident.
American Home Shield
I havent filed any claims but I have spoken with customer service, they are pretty nice and the insurance covers many things so I would recommend it to an acquaintance
Allstate
I will definitely rate Allstate a 5 for their policy offerings. Compared to the other insurance companies I feel that they definitely offer more than the average.
Travelers
my insurance had been mine for a very long time and I've never had any issues with them ever
State Farm
I do believe that some insurance companies monthly prices are more competitive, lower now and offer more for the price.
Progressive
Progressive offers a wide range of coverage for your home needs. it doesn't matter if you own a $100,000 home or a multi million dollar home they have you covered.
Safeco Insurance
I like the website because you can get a quote, pay your bill, track a claim. It is very easy to use the site.
The Hartford
Great customer service. Fast response. Competitive rates. I rate them a 5.
Aig
I don't have much communication or interaction with my insurance company. All correspondence is done by mail. I've only actually spoken to them once over the phone when I initially bought the policy.
Allstate
It is about the standard premium for other companies that I considered so I think that it is an acceptable amount.
Allstate
They are reliable and have been around for many years. Good contact and they respond fairly quickly. Like them and recommend them.
Allstate
I have never had any problems with them I do feel my deductible is a bit high but maybe for the quality of service I get it makes it ok
Erie Insurance
I would definitely recommend Erie Insurance to other people looking for home insurance. They have very competitive rates, great coverage, and many extras are included in their policy as a bonus or for an extremely low price.
Allstate
I am not sure what other companies offer, but from other family members, they complain because their insurances have a much higher deducible than I do.
Geico
the policy is on par compared to other offerings. basically everything you can think of.

Columbia, TN Homeowners Insurance By Home Value

Columbia, TN Home Value Total Homes % of Total Average Columbia, TN Homeowners Insurance
Less than $50,000 827 10.0% $167
$50,000 to $59,999 223 2.0% $359
$60,000 to $69,999 277 3.0% $446
$70,000 to $79,999 509 6.0% $510
$80,000 to $89,999 882 11.0% $582
$90,000 to $99,999 393 4.0% $654
$100,000 to $124,999 1,508 18.0% $758
$125,000 to $149,999 1,243 15.0% $941
$150,000 to $174,999 671 8.0% $1117
$175,000 to $199,999 425 5.0% $1292
$200,000 to $249,999 580 7.0% $1556
$250,000 to $299,999 199 2.0% $1899
$300,000 to $399,999 213 2.0% $2409

Top Home Insurance Agents Near Columbia, TN

Home Insurance Company Near Columbia, TN Homeowners Insurance Agency Near Columbia, TN Address
State Farm Bethany Harbin 631 Old Hickory Blvd, Nashville, TN, 37209-5242
Nationwide David J. Carpenter 232 E Old Hickory Blvd, Madison, TN, 37115-3935
Travelers Ivy Insurance Inc 7003 Chadwick Dr., Ste. 277, Brentwood, TN, 37027
State Farm Ralph Allen 217 Lane Pkwy, Shelbyville, TN, 37160-3108
Nationwide Stanley Wayne Bullen Jr Agency 505 N Main St, Shelbyville, TN, 37160

Columbia, TN Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Columbia, TN

Streets in Columbia Area Homeowners Insurance Cost
Mariner Dr, Talley Moore Rd, Lakeshore Dr, Mangrum Dr, Il West Rd, Dean Ln, N Jackson St, Keith Dr, Courtney Ct, Oakland Pkwy$828
Sharondale Dr, Kendrick Dr, Jamie Dr, Southpoint Ridge Rd, W 17th St, Hickory Rd, Crockett Ln, Lowe St, Rustic Wood Ct, Cummins Rd$828
Rummage Rd, Blocker Cir, Caroline Ct, Mockingbird Dr, Brierwood Dr, Royal Oaks Dr, Wendy Blvd, Crossover Dr, N Main St, Old Gibson Hollow Rd$780
Allen Dr, Mount Joy Rd, Armstrong Exd, Locust St, Hampshire Pike, Rutherford Ln, Bryson Ave, Loveless Ln, Franklin Pike, Lem St$782
Geranium Dr, Richardson St, Sam Johnson Rd, Pinehurst Dr, S High St, Indian Hills Rd, Rally Hill Rd, Rippey Lake Rd, W 6th St, W 6th St$831
Mallard Dr, Haynes Dr, Frierson Ct, Hardway Ln, Autumn Ridge Ln, Glenstone Dr, Culver Rd, W 12th St, Cleburne Rd, Wedgewood Dr$830
S James Campbell Blvd, Rainey St, Viewpointe Way, Williamson Dr, E 18th St, Hampshire Pike, S Jackson St, Darks Mill Rd, Lakeway Ter, Mount Olivet Rd$798
King Ln, Hardison St, Carpenter Bee Dr, Zion Rd, Kippsford Pond Rd, Center Star Rd, Barker Rd, Dodson Dr, E 15th St, Birchwood Dr$830
Freedom Ln, State Rte 246, Double Branch Rd, E 6th St, W Sheepneck Rd/sandy Hook St, Merlin Ct, Wilkes St, Oakview Dr, Holly Berry Dr, McCains Ln$777
Talon Dr, Penny Ave, Elmwood Dr, W 1st St, New Lawrenceburg Hwy, W 2nd St, Twin Peaks Ct, Rainey St, Stockard Branch Rd, E 16th St$790

Columbia, TN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Columbia$119 to $122
Maury County$121
Mount Pleasant$118
Spring Hill$126

Columbia, 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
Maury County, Tennessee $101 $135 $202
Mount Pleasant city, Tennessee $98 $131 $196
Spring Hill city, Tennessee $105 $140 $210

Columbia, 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
Columbia, TN6.2%17.8%
Maury County5.76%18.42%
Mount Pleasant6.43%15.4%
Spring Hill4.62%20.41%

Columbia Renters Insurance as a Percentage of Rent

Columbia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 160 2.0% $360
$200 to $299 215 3.0% $810
$300 to $499 923 16.0% $1260
$500 to $749 2,332 42.0% $1935
$750 to $999 1,406 25.0% $2685
$1,000 to $1,499 403 7.0% $3810
$1,500 or more 72 1.0% $5460

Columbia, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Columbia Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,600$7,000
Net Savings to Columbia Home Owner from High Deductible Plan $600

Columbia, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Columbia, TN Home Replacement Value MORE than Home Value Columbia, TN Home Replacement Value LESS than Home Value
Replacement Value $103,500 $75,000
Insurance Premium based on Replacement Value $525 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $9,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $100/year

Example Columbia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceLiberty Mutual
Monthly Premium 656674
Year Built 201419901989
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$150000-$175000$200000-$250000
Deductible $500 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1962 155,000 Metal Roof 1,780 4 $5000 to $10,000 Deductible 110 3 Stucco siding yes
1993 165,000 Membrane Roof 2,030 4 $2500-$5000 Deductible 200 3 Wood siding No
1961 140,000 Slate Shingles Roof 2,200 5 $1000-$2500 Deductible 270 5 Fiber-Cement Siding No
2010 95,000 Membrane Roof 1,550 3 $500- $1000 Deductible 220 6 Stone Siding yes
2010 185,000 Metal Roof 2,320 4 $1000-$2500 Deductible 120 2 Brick siding yes
2011 170,000 Composition Roof 2,660 4 $500- $1000 Deductible 180 3 Stone Siding yes
1997 110,000 Membrane Roof 1,790 3 $1000-$2500 Deductible 180 7 Vinyl siding yes
1942 105,000 Tile Roof 1,670 3 $500- $1000 Deductible 160 3 Fiber-Cement Siding yes
1979 150,000 Metal Roof 1,650 3 $1000-$2500 Deductible 670 12 Stone Siding yes
1982 130,000 Composition Roof 2,050 5 $500- $1000 Deductible 490 12 Stucco siding yes
1985 110,000 Slate Shingles Roof 1,320 3 $500 Deductible 230 8 Stucco siding yes
1963 190,000 Composition Roof 2,590 4 $500 Deductible 160 2 Stone Siding No
2013 290,000 Metal Roof 4,240 5 $500 Deductible 1300 8 Wood siding No
1974 120,000 Slate Shingles Roof 1,970 4 $2500-$5000 Deductible 220 6 Stucco siding yes
1973 185,000 Asphalt Shingles Roof 2,770 4 $5000 to $10,000 Deductible 50 1 Vinyl siding No
1971 170,000 Membrane Roof 2,480 4 $5000 to $10,000 Deductible 80 2 Brick siding No
1992 140,000 Asphalt Shingles Roof 1,590 3 $500 Deductible 590 10 Brick siding No
2002 245,000 Slate Shingles Roof 3,210 4 > $10,000 Deductible 630 9 Vinyl siding No
1967 100,000 Metal Roof 1,620 3 $500 Deductible 60 1 Stone Siding yes
1966 180,000 Shingles Roof 2,520 4 $5000 to $10,000 Deductible 380 9 Vinyl siding yes
1987 190,000 Membrane Roof 3,100 5 $500 Deductible 650 6 Wood siding No
2012 335,000 Asphalt Shingles Roof 3,810 5 > $10,000 Deductible 730 9 Stone Siding yes
1986 190,000 Shingles Roof 3,070 4 $2500-$5000 Deductible 50 1 Vinyl siding yes
1975 335,000 Shingles Roof 3,700 5 $2500-$5000 Deductible 80 1 Stone Siding yes
1964 105,000 Slate Shingles Roof 1,350 3 $500 Deductible 380 12 Fiber-Cement Siding No
1979 145,000 Membrane Roof 2,370 4 $500- $1000 Deductible 50 1 Stone Siding yes
1996 200,000 Shingles Roof 2,190 3 $2500-$5000 Deductible 340 5 Stone Siding No
2000 220,000 Membrane Roof 2,490 5 $500 Deductible 660 6 Wood siding yes
1991 105,000 Membrane Roof 1,510 5 $500 Deductible 250 8 Brick siding yes
2013 160,000 Wood Shake Roof 2,150 3 $1000-$2500 Deductible 300 8 Brick siding No
2013 175,000 Membrane Roof 2,130 3 $5000 to $10,000 Deductible 130 3 Stone Siding yes
1992 190,000 Membrane Roof 2,220 3 $500- $1000 Deductible 340 4 Vinyl siding No
2006 230,000 Membrane Roof 2,740 5 $5000 to $10,000 Deductible 140 2 Fiber-Cement Siding No
1962 130,000 Tile Roof 1,870 3 $1000-$2500 Deductible 250 8 Vinyl siding No

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