Johnson City Insurance Rates:

Johnson City, TN homeowners insurance is approximately $693 to $942, about $57-$78/month. Our exhaustive research shows customers 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

Grange Insurance
I have never had to make a claim, but I have had this insurance company for years and they are good with seeing my policy and making payments
State Farm
I would definately recommend StateFarm to my family and friends because customer service is great and its insurance prices are very competitive within the industry.
Liberty Mutual
I believe the cost is more than it should be, however, in Florida there are not very many choices for condo insurance.
American Home Shield
i would recommend this company i think all home insurance companies cover about the same amount and cost around the same so i would recommend i think home insurance just doesn't cover alot
American General
They make claims very fast. we had a break in and they had us paid and inspected within a week. it was so much easier than having to fight through red tape to get a claim approved.
Geico
The customer service they offer is excellent and they are always able to help over the phone or email. they have a fast and friendly service.
American General
You can get your payments fast, and if there are any issues you can appeal the payment even after your have gotten the first payment. i got a payment from them and it was less than what we should have gotten but i was able to cash the first cheque to fix the damage and then they made up the difference to us.
Liberty Mutual
I have not really compared it to other insurances. My parents have this one and we are a very loyal family. Everyone in my family has had sprint since my parents bought their first cell phone.
Geico
Geico representatives have always been extremely hospitable and personable over the phone. They have resolved my every issue and answered my every inquiry pretty seamlessly. Every time I call them I feel confident my insurance issue will be resolved.
Geico
It is an average company with few customers, most of them are low-income customers and thus they really help you in person and it was good. I really enjoyed and the premium is low compared to others thus, it helped me a lot.
State Farm
If i was to have a pool built on the lot insurance would go up even without coverage with the pool
Liberty Mutual
They don't call to see if a claim is finished. They just assume everything is fine. They have people call you but you can't contact them anyway by phone which is hard.
Allstate
All-State raised the premium significantly after we agreed on a price and signed paperwork. I will change companies when I have the energy to shop around again.
American Home Shield
I have had this insurance company for 19 years and have never had to contact customer service. Therefor it is difficult to recommend/not recommend.
Farmer's Insurance
We really like our insurance contact person, she is knowledgeable and helpful. We believe we are getting good service at an acceptable price point.

Johnson City, TN Homeowners Insurance By Home Value

Johnson City, TN Home Value Total Homes % of Total Average Johnson City, TN Homeowners Insurance
Less than $50,000 1,197 8.0% $130
$50,000 to $59,999 280 2.0% $278
$60,000 to $69,999 404 2.0% $343
$70,000 to $79,999 627 4.0% $392
$80,000 to $89,999 615 4.0% $449
$90,000 to $99,999 610 4.0% $498
$100,000 to $124,999 1,869 13.0% $580
$125,000 to $149,999 1,565 11.0% $728
$150,000 to $174,999 1,789 13.0% $858
$175,000 to $199,999 1,143 8.0% $989
$200,000 to $249,999 1,500 10.0% $1194
$250,000 to $299,999 711 5.0% $1456
$300,000 to $399,999 1,396 10.0% $1848

Top Home Insurance Agents Near Johnson City, TN

Home Insurance Company Near Johnson City, TN Homeowners Insurance Agency Near Johnson City, TN Address
NA Wise Insurance Agency P O Box 510, Wise, VA, 24293
NA J. Mark Bowery Insurance, Inc. 3713 Memorial Blvd , Kingsport, TN, 37664
Nationwide Jennings Insurance Agency Inc 19064 US HWY 58, Castlewood, VA, 24224-9413
Liberty Mutual Independent Peake Insurance Agency 913 TUSCULUM BLVD., GREENEVILLE, TN, 37745
Travelers Trustpoint Insurance 425 STATE ST STE #307, BRISTOL, VA, 24201

Johnson City, TN Home Insurance Agents for Top Companies


Johnson City, 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
Central CDP, Tennessee $119 $158 $237
Pine Crest CDP, Tennessee $119 $159 $239
Watauga city, Tennessee $118 $157 $236

Johnson City, 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
Johnson City, TN5.8%18.2%
Central8.31%21.54%
Pine Crest7.02%21.65%
Watauga7.82%23.79%

Johnson City Renters Insurance as a Percentage of Rent

Johnson City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 461 3.0% $348
$200 to $299 706 6.0% $798
$300 to $499 1,613 13.0% $1248
$500 to $749 5,153 44.0% $1923
$750 to $999 2,452 21.0% $2673
$1,000 to $1,499 900 7.0% $3798
$1,500 or more 280 2.0% $5448

Johnson City, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Johnson City Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,000$8,400
Net Savings to Johnson City Home Owner from High Deductible Plan $600

Johnson City, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Johnson City, TN Home Replacement Value MORE than Home Value Johnson City, TN Home Replacement Value LESS than Home Value
Replacement Value $185,500 $133,500
Insurance Premium based on Replacement Value $1,025 $725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,500 Risk Exposure from Under Insuring Coverage is $28,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $150/year

Example Johnson City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceErie Insurance
Monthly Premium 556854
Year Built 199420081947
Home Details 3 Beds, 1 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $125000-$150000$200000-$250000$150000-$175000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Johnson City, 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 195,000 Membrane Roof 1,790 4 $500- $1000 Deductible 310 4 Stone Siding yes
1964 175,000 Composition Roof 1,680 3 $5000 to $10,000 Deductible 180 4 Vinyl siding No
2002 120,000 Shingles Roof 1,560 3 $500 Deductible 430 9 Stone Siding No
1979 140,000 Composition Roof 1,240 3 $2500-$5000 Deductible 40 1 Fiber-Cement Siding No
1942 85,000 Wood Shake Roof 970 2 $500- $1000 Deductible 40 1 Vinyl siding No
1975 100,000 Metal Roof 960 2 $500- $1000 Deductible 50 1 Brick siding yes
1946 355,000 Slate Shingles Roof 3,960 5 $5000 to $10,000 Deductible 860 12 Stone Siding No
1988 120,000 Slate Shingles Roof 1,070 2 $2500-$5000 Deductible 310 7 Wood siding No
1993 265,000 Membrane Roof 3,340 5 $1000-$2500 Deductible 500 6 Brick siding No
1980 100,000 Tile Roof 990 2 $500- $1000 Deductible 190 5 Stone Siding No
1973 110,000 Metal Roof 1,360 2 $2500-$5000 Deductible 380 10 Stucco siding No
2010 95,000 Metal Roof 1,130 2 $500 Deductible 170 3 Stone Siding yes
2011 85,000 Wood Shake Roof 950 2 $500- $1000 Deductible 70 3 Stucco siding yes
1942 180,000 Composition Roof 1,610 2 $500- $1000 Deductible 210 4 Brick siding No
1963 155,000 Asphalt Shingles Roof 1,700 3 $1000-$2500 Deductible 410 9 Vinyl siding yes
1982 505,000 Wood Shake Roof 4,890 5 $5000 to $10,000 Deductible 440 3 Vinyl siding No
1978 205,000 Composition Roof 2,250 4 $500 Deductible 230 3 Wood siding No
1994 145,000 Metal Roof 1,830 3 $2500-$5000 Deductible 160 4 Wood siding No
1965 105,000 Asphalt Shingles Roof 1,150 2 $500- $1000 Deductible 160 5 Brick siding No
1979 215,000 Composition Roof 2,160 3 $500- $1000 Deductible 1060 12 Wood siding yes
1948 325,000 Metal Roof 3,160 4 $1000-$2500 Deductible 640 6 Fiber-Cement Siding yes
2014 290,000 Tile Roof 2,780 4 $2500-$5000 Deductible 550 6 Wood siding yes
1995 285,000 Tile Roof 2,760 4 $500 Deductible 1110 10 Vinyl siding No
2007 125,000 Composition Roof 1,610 3 $500- $1000 Deductible 550 10 Fiber-Cement Siding No
1969 275,000 Slate Shingles Roof 3,390 4 $1000-$2500 Deductible 1080 12 Fiber-Cement Siding No
2011 255,000 Tile Roof 3,040 4 $5000 to $10,000 Deductible 650 8 Fiber-Cement Siding yes
1978 260,000 Slate Shingles Roof 2,310 5 $500- $1000 Deductible 500 7 Brick siding No
1987 130,000 Asphalt Shingles Roof 1,720 3 $500- $1000 Deductible 180 3 Vinyl siding yes
1990 175,000 Asphalt Shingles Roof 1,770 2 $500 Deductible 330 5 Fiber-Cement Siding yes
1966 305,000 Tile Roof 3,950 5 $5000 to $10,000 Deductible 810 9 Vinyl siding yes
2007 280,000 Asphalt Shingles Roof 3,400 4 $2500-$5000 Deductible 650 8 Vinyl siding yes
1944 115,000 Asphalt Shingles Roof 1,500 3 $1000-$2500 Deductible 120 4 Vinyl siding No
1980 110,000 Metal Roof 1,270 2 $500 Deductible 220 5 Fiber-Cement Siding No
1978 215,000 Metal Roof 2,340 3 $2500-$5000 Deductible 70 1 Fiber-Cement Siding No

How To Make Your Johnson City, TN Home Insurnace Cheaper