Shelbyville Insurance Rates:

Shelbyville, TN homeowners insurance is about $664 to $906, about $55-$75/month. Our complete guide indicates shoppers can save as much as $314 by getting 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 like that i get a sizable discount from my home insurance provider by also having them for my car insurance.
State Farm
I like my insurance company because the office that i use is very personable to me and my needs. i just don't like the fact that they are not located locally to me.
Farmer's Insurance
It offers competitive rates for short-term owners, home leases, which i am currently doing. as part of my agreement with my landlord, the insurance is borne by me.
American General
They do very well with handling the calls, maybe they could have more operators during more busy times.
Erie Insurance
I'm sure I could find cheaper if I shopped around. It's one of those things that it's easier just to keep than spend the time searching, meeting with a new insurance person, and just dealing with the setup.
Encompass Insurance
They are great and though their rates could be better they are very consistent.
Allstate
It is easy to make changes to my policy and I can usually reach my agent. I believe the pricing is in line with other companies.

Shelbyville, TN Homeowners Insurance By Home Value

Shelbyville, TN Home Value Total Homes % of Total Average Shelbyville, TN Homeowners Insurance
Less than $50,000 262 8.0% $212
$50,000 to $59,999 152 4.0% $448
$60,000 to $69,999 249 7.0% $550
$70,000 to $79,999 370 11.0% $636
$80,000 to $89,999 562 17.0% $723
$90,000 to $99,999 222 6.0% $809
$100,000 to $124,999 576 17.0% $935
$125,000 to $149,999 459 14.0% $1171
$150,000 to $174,999 126 3.0% $1391
$175,000 to $199,999 71 2.0% $1603
$200,000 to $249,999 49 1.0% $1925
$250,000 to $299,999 77 2.0% $2358
$300,000 to $399,999 48 1.0% $2994

Top Home Insurance Agents Near Shelbyville, TN

Home Insurance Company Near Shelbyville, TN Homeowners Insurance Agency Near Shelbyville, TN Address
NA Miller Loughry Beach Insurance Services, Inc. 214 West College Street , Murfreesboro, TN, 37130
Travelers Global Green Insurance Agency 1216 NASHVILLE HWY, LEWISBURG, TN, 37091
Travelers Horton Insurance Agency 2159 N THOMPSON LN A8, MURFREESBORO, TN, 37129
Erie Insurance Solutions Of Tn 3200 West End Avenue Suite 500, Nashville, TN, 37203
Travelers Lester Greene And Mccord Inc 115 WEST LAUDERDALE ST, TULLAHOMA, TN, 37388

Cost Of Homeowners Insurance By Street Near Shelbyville, TN

Streets in Shelbyville Area Homeowners Insurance Cost
Naron Ln, Sulphur Springs Rd, State Rte 130 W, Hight St, Arnold Rd, 5th St, Lucas Rd, Scott Ln, Mullinswood Rd, Horse Mountain Rd$794
Rosemary Ln, Parker Ln, Davis St, Stonegate Cir, Roberts Rd, Millhouse Rd, Dye Rd, Reese St, Lane Pkwy, Apache Pl$806
Church St, N Evans St, Coop Rd, Elizabeth St, East Pkwy, Snell Rd, Sunset Dr, Highland Cir, Shapard Dr, Calsonic Way$791
Ridgewood Dr, Madison St, Brothers Rd, Charlotte Dr, Tremont Dr, Providence Rd, Hobson Ave, E Holland St, Dover St, Buffalo Valley Dr$804
Canova Ct, Earhart Cir, Honeysuckle Ln, Jonathan Ct, Briar Patch Dr, Noble Rd, Thurman St, Lorien Cir, 6th St, Amanda Dr$784

Shelbyville, TN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Shelbyville$117 to $120
Bedford County$119
Wartrace$118
Bell Buckle$124

Shelbyville, 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
Bedford County, Tennessee $119 $159 $239
Wartrace town, Tennessee $118 $157 $236
Bell Buckle town, Tennessee $125 $166 $249

Shelbyville, 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
Shelbyville, TN6.6%19.4%
Bedford County6.37%18.86%
Wartrace7.3%20.02%
Bell Buckle4.94%23.45%

Shelbyville Renters Insurance as a Percentage of Rent

Shelbyville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 130 3.0% $367
$200 to $299 252 7.0% $817
$300 to $499 435 12.0% $1267
$500 to $749 1,593 44.0% $1942
$750 to $999 971 27.0% $2692
$1,000 to $1,499 162 4.0% $3817

Shelbyville, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Shelbyville Homeowner Insurance Premium Example $800$400
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,400$6,200
Net Savings to Shelbyville Home Owner from High Deductible Plan $1,200

Shelbyville, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Shelbyville, TN Home Replacement Value MORE than Home Value Shelbyville, TN Home Replacement Value LESS than Home Value
Replacement Value $134,000 $90,500
Insurance Premium based on Replacement Value $775 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,500 Risk Exposure from Under Insuring Coverage is $31,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $50/year

Example Shelbyville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersLiberty MutualAllstate
Monthly Premium 412344
Year Built 197320051980
Home Details 4 Beds, 3 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$75000-$100000$125000-$150000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 95,000 Shingles Roof 1,620 3 $1000-$2500 Deductible 220 7 Wood siding yes
1979 205,000 Membrane Roof 3,000 5 > $10,000 Deductible 280 7 Fiber-Cement Siding yes
1985 80,000 Composition Roof 1,180 2 $1000-$2500 Deductible 190 5 Vinyl siding yes
1994 200,000 Tile Roof 2,630 4 $2500-$5000 Deductible 50 1 Brick siding yes
1984 115,000 Metal Roof 1,490 2 $1000-$2500 Deductible 210 6 Wood siding No
2004 60,000 Wood Shake Roof 1,060 2 $2500-$5000 Deductible 90 5 Stucco siding yes
2007 120,000 Metal Roof 1,600 3 $500 Deductible 350 7 Wood siding No
2008 185,000 Asphalt Shingles Roof 3,040 4 $500 Deductible 80 1 Fiber-Cement Siding yes
2012 185,000 Asphalt Shingles Roof 3,210 5 $5000 to $10,000 Deductible 300 8 Fiber-Cement Siding yes
2008 175,000 Slate Shingles Roof 2,210 3 $1000-$2500 Deductible 320 6 Fiber-Cement Siding No
1990 70,000 Wood Shake Roof 950 2 $1000-$2500 Deductible 180 8 Wood siding yes
1978 80,000 Slate Shingles Roof 1,140 2 $500 Deductible 40 1 Fiber-Cement Siding yes
2011 110,000 Asphalt Shingles Roof 1,720 4 $2500-$5000 Deductible 90 3 Wood siding yes
1974 245,000 Tile Roof 4,200 5 > $10,000 Deductible 380 6 Stone Siding No
2013 150,000 Asphalt Shingles Roof 2,010 4 $500- $1000 Deductible 180 3 Vinyl siding No
1977 275,000 Slate Shingles Roof 4,970 5 $2500-$5000 Deductible 890 10 Wood siding yes
1979 130,000 Membrane Roof 1,960 5 $1000-$2500 Deductible 420 10 Wood siding No
1969 100,000 Membrane Roof 1,570 3 $500- $1000 Deductible 220 6 Stone Siding yes
1967 185,000 Shingles Roof 2,280 5 $500 Deductible 860 9 Fiber-Cement Siding No
1979 345,000 Metal Roof 4,930 5 $500- $1000 Deductible 530 6 Wood siding yes
1999 175,000 Wood Shake Roof 2,280 5 $500 Deductible 210 3 Brick siding No
1990 175,000 Membrane Roof 2,310 3 $2500-$5000 Deductible 420 8 Stone Siding No