Cookeville Insurance Rates:

Cookeville, TN homeowners insurance is nearly $692 to $944, about $57-$78/month. Our exhaustive analysis reveals consumers can save as much as $327 by comparing different 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 had state farm for over 20 years. i feel that their prices are comparable and their customer service is exceptional.
Nationwide
This insurance does not cover freezing or plumbing. i have ironically had issues with both of these things and my insurance did not cover it.
State Farm
State farm makes it very easy to pay my insurance bill. they offer monthly, quarterly, or one-time payment options. i set auto pay and it takes care of itself!
State Farm
I suppose I have not really done my due diligence in comparing rates. They have come through for us, so we have stuck with them. I do have an ad here for AAA coverage and I thought I might check into it, to see if we are paying around the same thing.
Progressive
I like this company's website because of the ease of use. It is easy to navigate and find the information necessary to make informed decisions.
Nationwide
My contact with Nationwide has always been prompt, courteous and personal. I rarely have to wait on hold and always get a QC call back or email.
State Farm
Texas tends to be higher than other states, and so given other companies and areas of the country, I really am pretty ambivalent about the current premium.
State Farm
I disliked how expensive it is to have the insurance. Sure it is great and all, but it is super expensive.

Cookeville, TN Homeowners Insurance By Home Value

Cookeville, TN Home Value Total Homes % of Total Average Cookeville, TN Homeowners Insurance
Less than $50,000 319 6.0% $130
$50,000 to $59,999 66 1.0% $269
$60,000 to $69,999 142 2.0% $335
$70,000 to $79,999 266 5.0% $392
$80,000 to $89,999 317 6.0% $441
$90,000 to $99,999 264 5.0% $490
$100,000 to $124,999 675 13.0% $572
$125,000 to $149,999 506 10.0% $719
$150,000 to $174,999 653 12.0% $850
$175,000 to $199,999 452 8.0% $981
$200,000 to $249,999 585 11.0% $1177
$250,000 to $299,999 390 7.0% $1439
$300,000 to $399,999 419 8.0% $1832

Top Home Insurance Agents Near Cookeville, TN

Home Insurance Company Near Cookeville, TN Homeowners Insurance Agency Near Cookeville, TN Address
NA Cumberland Insurance Group -- Jamestown 1007 Old Hwy 127 S. , Jamestown, TN, 38556
NA Powell & Meadows - Carthage 1006 Main Street N, Carthage, TN, 37030
NA Rowland Insurance Agency, Inc. 101 W 1St St, Tompkinsville, KY, 42167
Travelers Don Scott Insurance Inc 1102 W MAIN ST, LEBANON, TN, 37087
State Farm Elwood Ervin 108 W Jackson St, Cookeville, TN, 38501

Cost Of Homeowners Insurance By Street Near Cookeville, TN

Streets in Cookeville Area Homeowners Insurance Cost
Brown Lane Rd, Carlisle Rd, Lake Valley Dr, Bybee Ave, Cooke St, Bill Smith Rd, S Smith Chapel Rd, Bars Mill Rd, Crowder Rd, Tolbert Dr$792
Masters Rd, McClellan Ct, Petite Dr, Vivian Dr, Terrace Hill Rd, Kendall Dr, Shipley St, Crowne Way, Long Lane Rd, S Cedar Ave$795
2nd Ave S, W 12th St, Boyd Farris Rd, Vickers Ln, Mattson St, White Rd, Brown Ave, Randolph Rd, Bob Bullock Rd, Kyle Dr$825
Quail Dr, Honest Acres Rd, Benton Young Rd, Thomas Dr, Elm St, Eatonwood Ln, Gentry Ln, Mill Dr, Garden Ln, Wedgewood St$792
Allen Ave, Tucker Oaks Rd, E 10th St, Sumter Dr, Songbird Ln, Heather Ln, Cobblestone Dr, Walnut St, Ryan Cir, Muligan Ct$824
McClain Rd, Grandview Dr, Dellwood Ave, Candyland Cir, April Ln, Windsor Dr, Ridgetop Dr, Heathwood West Dr, Forest Cir, Thelma Rd$821
Sugartree Pt, Mountain View Dr, Stewart Cemetery Rd, Cooper Rd, Womens Quad Cir, Curtis Way, Lake View Dr, Gene Elrod Dr, Peach Orchard Rd, Buck Ave$806
N Hampton Dr, Goodwin Rd, W Paris St, Lacie Dr, Burgess Falls Rd, Pine Ave, Fairway Dr, Roy Luke Rd, Zachary Ln, Gaw St$794
Boatman Ln, Co Hwy 2216, S Washington Ave, W Whitehall Rd, Oak Hill Dr, Littleford Cove, Holder Ave, Bill Smith Rd, Ditty Rd, Empire Ave$809
Columbia St, Old Hawthorne Ln, Ridgedale Dr, E 14th St, Indian Trl, Wilshire Dr, Springboro Rd, Reeser Ln, River Bend Dr, Chattsworth Blvd$824

Cookeville, TN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cookeville$122 to $125
Putnam County$121
Baxter$117
White County$118

Cookeville, 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
Putnam County, Tennessee $121 $161 $242
Algood city, Tennessee $121 $161 $242
Baxter town, Tennessee $117 $156 $234

Cookeville, 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
Cookeville, TN5.6%19.5%
Putnam County6.29%20.28%
Algood6.52%21.42%
Baxter7.48%20.48%

Cookeville Renters Insurance as a Percentage of Rent

Cookeville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 141 2.0% $348
$200 to $299 144 2.0% $798
$300 to $499 1,702 26.0% $1248
$500 to $749 3,322 50.0% $1923
$750 to $999 881 13.0% $2673
$1,000 to $1,499 277 4.0% $3798
$1,500 or more 76 1.0% $5448

Cookeville, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$3,700
Yearly Cookeville Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$700$3,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,800$9,300
Net Savings to Cookeville Home Owner from High Deductible Plan $500

Cookeville, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cookeville, TN Home Replacement Value MORE than Home Value Cookeville, TN Home Replacement Value LESS than Home Value
Replacement Value $142,500 $79,000
Insurance Premium based on Replacement Value $675 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $32,500 Risk Exposure from Under Insuring Coverage is $31,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $150/year

Example Cookeville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceAllstate
Monthly Premium 41154183
Year Built 197120001988
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $100000-$125000$300000-$350000$400000-$500000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1970 150,000 Slate Shingles Roof 1,350 3 $500 Deductible 110 2 Stone Siding No
2008 140,000 Metal Roof 1,540 3 $1000-$2500 Deductible 140 4 Stucco siding yes
1999 195,000 Shingles Roof 2,410 4 $5000 to $10,000 Deductible 330 6 Wood siding No
1989 125,000 Shingles Roof 1,280 3 $2500-$5000 Deductible 330 7 Stucco siding No
1970 225,000 Composition Roof 2,680 4 $1000-$2500 Deductible 360 4 Brick siding yes
1971 125,000 Metal Roof 1,610 4 $500- $1000 Deductible 250 6 Stone Siding No
1973 445,000 Composition Roof 4,540 5 $500 Deductible 1170 6 Vinyl siding yes
1998 175,000 Wood Shake Roof 1,850 5 $500 Deductible 180 3 Stucco siding No
2011 340,000 Asphalt Shingles Roof 4,440 5 $1000-$2500 Deductible 920 12 Vinyl siding yes
1986 110,000 Tile Roof 1,230 3 $2500-$5000 Deductible 180 8 Vinyl siding No
2001 310,000 Asphalt Shingles Roof 3,880 5 $1000-$2500 Deductible 1380 12 Fiber-Cement Siding yes
1983 380,000 Tile Roof 3,980 5 $500 Deductible 1840 12 Stucco siding yes
2011 170,000 Slate Shingles Roof 2,070 3 $2500-$5000 Deductible 550 10 Vinyl siding yes
1980 265,000 Tile Roof 2,640 4 $500 Deductible 130 1 Stucco siding No
2014 115,000 Shingles Roof 1,500 3 $500 Deductible 400 6 Stucco siding yes
2007 190,000 Asphalt Shingles Roof 1,740 3 $1000-$2500 Deductible 160 2 Stone Siding No
1982 200,000 Wood Shake Roof 2,030 4 $5000 to $10,000 Deductible 680 10 Wood siding No
2001 180,000 Tile Roof 1,650 4 $500- $1000 Deductible 420 8 Stucco siding No
1991 115,000 Tile Roof 1,470 3 $500- $1000 Deductible 50 2 Stucco siding No
1984 245,000 Composition Roof 2,260 5 $2500-$5000 Deductible 100 1 Wood siding yes
1991 105,000 Membrane Roof 1,300 3 $1000-$2500 Deductible 240 10 Brick siding No
2004 165,000 Tile Roof 1,550 5 $1000-$2500 Deductible 200 4 Fiber-Cement Siding yes
1978 375,000 Tile Roof 4,920 5 $500 Deductible 180 1 Stucco siding yes
1992 265,000 Tile Roof 2,360 4 > $10,000 Deductible 360 7 Fiber-Cement Siding yes
1980 220,000 Slate Shingles Roof 2,600 4 > $10,000 Deductible 470 10 Fiber-Cement Siding No
1993 350,000 Tile Roof 3,140 4 > $10,000 Deductible 310 4 Fiber-Cement Siding No
1998 305,000 Metal Roof 2,820 4 $5000 to $10,000 Deductible 310 4 Stucco siding yes