Franklin, TN Home Insurance - Analysis On Quotes, Rates & Agents
Franklin Insurance Rates:
Franklin, TN homeowners insurance is roughly $759 to $1,035, about $63-$86/month. Our complete research reveals consumers can save upto $358 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State FarmIf you have the money, use State Farm. You don't have to deal with an agent if you don't want (everything processed through website) and they have adequate adjustors when you have the need.
Liberty MutualThey offer standard coverage typical of the industry. I have coverage for home, contents, liability, and other structures.
State FarmI would recommend State Farm because you become a customer for-life. That is a nice thought to have when selecting insurance. I wouldn't want to get kicked off.
American Home ShieldWe keep our deductible higher as we would rather pay out of pocket if needed instead of an increased monthly amount.
Liberty MutualMy insurance company has always been quick to deal with issues and fantastic when managing claims. I have no complaints and am completely satisfied.
AllstateI feel that my insurer's rates are a premium cost for a premium service. i expect them to work very hard for me and help me when i need it.
Amica Mutual InsuranceAmica mutual provides better customer service, the customer is also their shareholder. so at the end of the year, they share the profit with their customers.
Erie InsuranceMy insurance company is located in the city i reside in, if i ever need anything i am always more than welcome to go down and pay them a visit. the are usually more than welcome to help with whatever issues i am having
Liberty MutualI just switched from all state to liberty because of the better rates, so far no complaints
GeicoThey seem to actually care about me and anything that has happened. When my car was falling apart, they took good care of me. I expect them to do the same with my house.
Erie InsuranceI like the company's website. I like that I am able to pay my premiums on the website. I like the useful articles.
Farmer's InsuranceI think All state is pretty competitive. I have shopped around and to this day have not found any company offering a lower premium for the same coverage.
Erie InsuranceI think that $1000 is comparable to other places and the care we get makes on worth it
AllstateI would highly recommend Allstate insurance company to my relatives and friends. Their customer service is excellent and they are close by to my home and work. Whenever I have any questions, all I have to do is pick up the phone and call them locally.
AllstateGood company reliable and low deductible. As well as great customer service. 5 out of 5
Farmer's InsuranceSo far, besides the issue with the insurance premium billing issue, we are satisfied with the company and would recommend them until we have something happen to turn us.
ProgressiveIt is very good in satisfying customer and it is the most user friendly service i recommend to my friends also
Franklin, TN Homeowners Insurance By Home Value
| Franklin, TN Home Value | Total Homes | % of Total | Average Franklin, TN Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 345 | 2.0% | $71 |
| $100,000 to $124,999 | 467 | 3.0% | $313 |
| $125,000 to $149,999 | 440 | 3.0% | $394 |
| $150,000 to $174,999 | 923 | 7.0% | $466 |
| $175,000 to $199,999 | 845 | 6.0% | $538 |
| $200,000 to $249,999 | 2,107 | 16.0% | $645 |
| $250,000 to $299,999 | 2,542 | 20.0% | $798 |
| $300,000 to $399,999 | 4,689 | 37.0% | $1013 |
Top Home Insurance Agents Near Franklin, TN
| Home Insurance Company Near Franklin, TN | Homeowners Insurance Agency Near Franklin, TN | Address |
|---|---|---|
| NA | Allen Insurance Group, Llc | 1509 Carmack Blvd., Columbia, TN, 38401 |
| Liberty Mutual Independent | Geny Insurance Group Llc Dba Jackson Ins | 384 S MAIN ST STE B, ASHLAND CITY, TN, 37015 |
| Allstate | Paul Pipper | 287 New Shackle Island Rd Ste B, Hendersonville, TN, 37075 |
| Travelers | Tennesure Inc | 2400 CRESTMOOR RD 18, NASHVILLE, TN, 37215 |
| Allstate | Terry Burns | 321 Billingsly Ct Ste 22, Franklin, TN, 37067 |
Franklin, TN Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Franklin, TN
| Streets in Franklin Area | Homeowners Insurance Cost |
|---|---|
| Grangerview Ct, Lynn Ct, W Concord Rd, Williamsburg Pl, Ewingville Dr, Regent Dr, Battlefield Dr, Short Ct, Gay Dr, Stonewall Jackson Dr | $1,048 |
| Eulas Way, Berrys Chapel Rd, Tree Ridge Cove, Plaza St, Lexington Pkwy, Clayborne Ct, Bridgeway Dr, Jasmine Ct, King Richards Ct, Poplar St | $863 |
| Longmont Ct, Forrest St, Orchid Rd, Burke Trl, Tamara Cir, Greystone Dr, Gist St, Hibiscus Ln, Pontypool Pass, Eaton Ct | $946 |
| Milhouse Dr, Woods Ct, Golden Ct, Legends Club Ln, Goose Creek Dr, Fountainwood Blvd, Pulley Pl, Winder Dr, Lanes End Dr, Chantilly Ln | $936 |
| Andrew Crockett Ct, Suays Ln, Goose Creek Byp, Bluebell Way, Woodcrest Ct, Bertrand Dr, Pebble Creek Rd, Quiet Ln, Brickston St, Charleston Ln | $931 |
| Championship Blvd, Cummins St, Lawnview Ln, Scotsman Ln, Adair Ct, Meadowgreen Ct, Oakwood Dr E, Chamberlain Park Ln, Cabot Dr, Creekside Ct | $915 |
| S Clubhouse Ct, Highland Ave, Jameson Dr, Bucolic Ct, Essex Ct, Ambiance Way, Coachmans Ct, Bryana Dr, Stanley Park Ln, Wiregrass Ln | $880 |
| Woodland Hills Dr, Corinne Ct, S Course Vw, Barkleigh Ln, Lipton Ct, Cottingham Dr, Saddle Ct, 9th Ave N, Truman Rd W, Deerfield Ct E | $900 |
| Harlinsdale Ct, Jonahs Ridge Way, Cardinal Ct N, Cornerstone Ln, Carronbridge Way, Plumeria Pl, Dante Ranch Ln, Treemont Ln, James Ave, Turnberry Dr | $969 |
| Century Oak Dr, Berwick Ct, Dallas Blvd, Tamara Ln, Abbey Ln, White Ct, Gainsway Ct, Tom Robinson Rd, Tyne Dr, Berrys Chapel Rd | $889 |
Franklin, TN Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Franklin | $133 to $135 |
| Williamson County | $136 |
| Brentwood | $148 |
| Thompson's Station | $134 |
Franklin, 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 |
|---|---|---|---|
| Williamson County, Tennessee | $137 | $182 | $273 |
| Brentwood city, Tennessee | $149 | $198 | $297 |
| Thompson's Station town, Tennessee | $134 | $179 | $269 |
Franklin, TN Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Franklin, TN | 3.9% | 15.4% |
| Williamson County | 3.86% | 15.21% |
| Brentwood | 3.11% | 13.03% |
| Thompson's Station | 4.14% | 18.04% |
Franklin Renters Insurance as a Percentage of Rent
| Franklin Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 83 | 1.0% | $302 |
| $300 to $499 | 208 | 2.0% | $1202 |
| $500 to $749 | 770 | 10.0% | $1877 |
| $750 to $999 | 2,134 | 28.0% | $2627 |
| $1,000 to $1,499 | 2,777 | 37.0% | $3752 |
| $1,500 or more | 1,418 | 19.0% | $5402 |
Franklin, TN Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $2,900 |
| Yearly Franklin Homeowner Insurance Premium Example | $1,300 | $900 |
| Out of Pocket Expense During Claim | $900 | $2,900 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $10,000 | $9,200 |
| Net Savings to Franklin Home Owner from High Deductible Plan | $800 | |
Franklin, TN Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Franklin, TN Home Replacement Value MORE than Home Value | Franklin, TN Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $434,000 | $320,000 |
| Insurance Premium based on Replacement Value | $2,125 | $1,575 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $48,000 | Risk Exposure from Under Insuring Coverage is $66,000 |
| Premium Impact | Insurance cheaper by $325/year | Insurance costlier by $225/year |
Example Franklin Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | State Farm | Liberty Mutual | Travelers |
| Monthly Premium | 64 | 89 | 132 |
| Year Built | 2008 | 1996 | 2014 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $300000-$350000 | $400000-$500000 |
| Deductible | $500- $1000 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |
Sample Home Insurance Rates for Franklin, TN from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2012 | 295,000 | Metal Roof | 1,710 | 4 | $500- $1000 Deductible | 1700 | 12 | Wood siding | No |
| 1999 | 445,000 | Membrane Roof | 3,420 | 5 | $1000-$2500 Deductible | 1130 | 8 | Stucco siding | No |
| 2008 | 280,000 | Composition Roof | 1,560 | 3 | $500- $1000 Deductible | 1310 | 12 | Wood siding | yes |
| 1991 | 390,000 | Metal Roof | 2,280 | 5 | $500 Deductible | 1680 | 9 | Fiber-Cement Siding | No |
| 2014 | 615,000 | Membrane Roof | 4,640 | 5 | $500 Deductible | 540 | 2 | Vinyl siding | yes |
| 2004 | 210,000 | Shingles Roof | 1,400 | 3 | $1000-$2500 Deductible | 380 | 5 | Vinyl siding | yes |
| 2004 | 330,000 | Asphalt Shingles Roof | 1,920 | 4 | > $10,000 Deductible | 280 | 4 | Wood siding | yes |
| 2011 | 320,000 | Tile Roof | 2,370 | 3 | $5000 to $10,000 Deductible | 850 | 12 | Wood siding | No |
| 1993 | 385,000 | Asphalt Shingles Roof | 2,720 | 5 | $2500-$5000 Deductible | 1000 | 8 | Stucco siding | yes |
| 1999 | 810,000 | Membrane Roof | 4,630 | 5 | $2500-$5000 Deductible | 1830 | 7 | Vinyl siding | yes |
| 2005 | 720,000 | Wood Shake Roof | 4,180 | 5 | $1000-$2500 Deductible | 2750 | 9 | Brick siding | yes |
| 2002 | 240,000 | Asphalt Shingles Roof | 1,430 | 3 | $5000 to $10,000 Deductible | 220 | 3 | Brick siding | No |
| 2002 | 320,000 | Tile Roof | 2,340 | 3 | $5000 to $10,000 Deductible | 1080 | 12 | Stone Siding | No |
| 1999 | 505,000 | Wood Shake Roof | 3,090 | 4 | $500 Deductible | 1680 | 8 | Fiber-Cement Siding | No |
| 2010 | 380,000 | Wood Shake Roof | 2,220 | 5 | $5000 to $10,000 Deductible | 780 | 8 | Fiber-Cement Siding | yes |
| 2014 | 680,000 | Asphalt Shingles Roof | 4,950 | 5 | > $10,000 Deductible | 520 | 4 | Stone Siding | No |
| 2012 | 590,000 | Wood Shake Roof | 3,150 | 4 | > $10,000 Deductible | 480 | 4 | Brick siding | No |
| 2011 | 270,000 | Membrane Roof | 1,620 | 3 | $5000 to $10,000 Deductible | 110 | 2 | Stucco siding | No |
| 2010 | 235,000 | Slate Shingles Roof | 1,830 | 4 | $2500-$5000 Deductible | 120 | 2 | Stucco siding | No |
| 2002 | 390,000 | Membrane Roof | 2,360 | 4 | $1000-$2500 Deductible | 1100 | 10 | Fiber-Cement Siding | No |
| 2012 | 300,000 | Metal Roof | 2,060 | 3 | $500 Deductible | 2170 | 12 | Fiber-Cement Siding | No |
| 2012 | 330,000 | Asphalt Shingles Roof | 2,270 | 3 | $500 Deductible | 1620 | 10 | Vinyl siding | yes |
| 2014 | 760,000 | Composition Roof | 4,140 | 5 | $2500-$5000 Deductible | 190 | 1 | Vinyl siding | No |
| 2009 | 670,000 | Wood Shake Roof | 3,880 | 5 | $500- $1000 Deductible | 2220 | 8 | Fiber-Cement Siding | yes |
| 2008 | 345,000 | Slate Shingles Roof | 2,430 | 5 | $2500-$5000 Deductible | 1000 | 10 | Wood siding | No |
| 1994 | 395,000 | Asphalt Shingles Roof | 2,100 | 4 | $500- $1000 Deductible | 330 | 2 | Stone Siding | No |
| 2010 | 165,000 | Wood Shake Roof | 1,270 | 3 | $1000-$2500 Deductible | 400 | 6 | Brick siding | No |
| 1993 | 250,000 | Asphalt Shingles Roof | 1,590 | 3 | $500- $1000 Deductible | 850 | 9 | Wood siding | yes |
| 2011 | 345,000 | Wood Shake Roof | 2,150 | 4 | > $10,000 Deductible | 520 | 7 | Brick siding | No |
| 1996 | 270,000 | Tile Roof | 1,780 | 3 | > $10,000 Deductible | 410 | 5 | Fiber-Cement Siding | yes |
| 2012 | 300,000 | Shingles Roof | 1,850 | 3 | $500 Deductible | 1290 | 9 | Stucco siding | yes |
| 2010 | 320,000 | Membrane Roof | 2,160 | 3 | > $10,000 Deductible | 520 | 8 | Fiber-Cement Siding | No |
| 1993 | 480,000 | Composition Roof | 2,540 | 5 | > $10,000 Deductible | 570 | 5 | Stone Siding | yes |