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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Home Insurance Companies in Johnson City, TN: Customer-Reviewed Options
Top Home Insurance Agents Near Johnson City, TN
| Home Insurance Company Near Johnson City, TN |
Homeowners Insurance Agency Near Johnson City, TN |
Address |
| Liberty Mutual Independent |
Peake Insurance Agency |
913 TUSCULUM BLVD., GREENEVILLE, TN, 37745 |
| Travelers |
Trustpoint Insurance |
425 STATE ST STE #307, BRISTOL, VA, 24201 |
| Nationwide |
Jennings Insurance Agency Inc |
19064 US HWY 58, Castlewood, VA, 24224-9413 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
| Johnson City, TN | 5.8% | 18.2% |
| Central | 8.31% | 21.54% |
| Pine Crest | 7.02% | 21.65% |
| Watauga | 7.82% | 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 Deductible | High 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 |
Allstate | Farmers Insurance | Erie Insurance |
| Monthly Premium |
55 | 68 | 54 |
| Year Built |
1994 | 2008 | 1947 |
| Home Details |
3 Beds, 1 Baths | 5 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount |
$125000-$150000 | $200000-$250000 | $150000-$175000 |
| Deductible |
$500- $1000 Deductible | $5000 to $10,000 Deductible | $500 Deductible |
Save More on Home Insurance in Johnson City, with Our Informed Analysis