Winchester Insurance Rates:

Winchester, TN homeowners insurance is approximately $668 to $917, about $55-$76/month. Our all inclusive guide indicates shoppers can save as much as $316 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Winchester, TN Homeowners Insurance By Home Value

Winchester, TN Home Value Total Homes % of Total Average Winchester, TN Homeowners Insurance
Less than $50,000 369 17.0% $182
$50,000 to $59,999 107 4.0% $396
$60,000 to $69,999 187 8.0% $483
$70,000 to $79,999 91 4.0% $562
$80,000 to $89,999 182 8.0% $641
$90,000 to $99,999 125 5.0% $712
$100,000 to $124,999 243 11.0% $823
$125,000 to $149,999 68 3.0% $1037
$150,000 to $174,999 133 6.0% $1219
$175,000 to $199,999 129 5.0% $1409
$200,000 to $249,999 213 9.0% $1694
$250,000 to $299,999 168 7.0% $2075
$300,000 to $399,999 144 6.0% $2637

Top Home Insurance Agents Near Winchester, TN

Home Insurance Company Near Winchester, TN Homeowners Insurance Agency Near Winchester, TN Address
Farmers Christopher Malone 2100b Sparkman Dr NW, Huntsville, AL, 35810
State Farm David Duncan 301 N Jackson St, Tullahoma, TN, 37388-3552
Travelers Everett Insurance Agency 438 West Commerce Street, Lewisburg, TN, 37091
Farmers Glen Hiller 105 Church St Ste D, Madison, AL, 35758
Farmers Ted Miller 1871 Slaughter Rd Ste B, Madison, AL, 35758

Cost Of Homeowners Insurance By Street Near Winchester, TN

Streets in Winchester Area Homeowners Insurance Cost
Cumberland St E, Roberts Ln, 4th Ave NW, Shadowbrook Rd, Clover Dr, Hunt Hollow Dr, Briar Ln, Fran Ln, Royal Oak Dr, Woodland Way$810
Willow Dr, Collier Field Ln, Clark Rd, Winding Path, Owens Cabin Ln, Roggli Ln, Franklin Park, Dry Creek Rd, College St S, 8th Ave NW$785
Holiday Dr, S Shephard St, Scarborough Ln, E Heikens Dr, South Dr, Girton St, Sycamore St S, Rotary Dr, Hackberry Dr, Alexander Ln$801
Tanyard Hill Rd, Meadow Ln, Brannan Hill Rd, Ross Ln, Old Decherd Rd, Oak Park, N Front St, Crossview Rd, Mason Ave, Overlook Ln$790
6th Ave S, Holt Ln, Tankersley Ln, Gitterdone Ln, Montgomery St, College St N, Sun Drop Dr, Earle St, Nelson Ln, Hawkins Cove Rd$787

Winchester, TN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Winchester$117 to $120
Franklin County$119
Decherd$117
Estill Springs$118

Winchester, 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
Franklin County, Tennessee $99 $132 $198
Decherd city, Tennessee $98 $130 $195
Estill Springs town, Tennessee $99 $131 $197

Winchester, 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
Winchester, TN6.8%18.8%
Franklin County6.79%20.3%
Decherd8.05%24.25%
Estill Springs7.45%19.59%

Winchester Renters Insurance as a Percentage of Rent

Winchester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 110 8.0% $363
$200 to $299 97 7.0% $813
$300 to $499 319 23.0% $1263
$500 to $749 529 39.0% $1938
$750 to $999 257 18.0% $2688
$1,000 to $1,499 26 1.0% $3813
$1,500 or more 18 1.0% $5463

Winchester, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Winchester Homeowner Insurance Premium Example $900$500
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,800$6,600
Net Savings to Winchester Home Owner from High Deductible Plan $1,200

Winchester, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Winchester, TN Home Replacement Value MORE than Home Value Winchester, TN Home Replacement Value LESS than Home Value
Replacement Value $124,500 $76,000
Insurance Premium based on Replacement Value $675 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $28,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Winchester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualErie InsuranceChubb Group of Insurance
Monthly Premium 503365
Year Built 200119651943
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $125000-$150000$125000-$150000$150000-$175000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1990 190,000 Membrane Roof 2,220 3 $5000 to $10,000 Deductible 60 1 Brick siding No
1989 180,000 Wood Shake Roof 2,170 5 $5000 to $10,000 Deductible 530 10 Stucco siding No
2008 195,000 Metal Roof 2,630 4 $500- $1000 Deductible 800 12 Vinyl siding No
1983 95,000 Asphalt Shingles Roof 1,600 5 $1000-$2500 Deductible 290 9 Fiber-Cement Siding yes
1995 330,000 Membrane Roof 4,400 5 $500 Deductible 1080 7 Stucco siding yes
1943 135,000 Shingles Roof 1,800 3 $500 Deductible 220 4 Wood siding No
1962 135,000 Slate Shingles Roof 1,640 4 $1000-$2500 Deductible 330 7 Fiber-Cement Siding yes
1947 135,000 Slate Shingles Roof 1,830 3 $500- $1000 Deductible 150 3 Stucco siding No
2001 265,000 Membrane Roof 3,820 5 $5000 to $10,000 Deductible 410 5 Stucco siding No
1973 185,000 Membrane Roof 2,960 5 $5000 to $10,000 Deductible 40 1 Wood siding No
2012 150,000 Tile Roof 1,720 4 $500 Deductible 650 10 Fiber-Cement Siding No
2014 105,000 Slate Shingles Roof 1,420 3 $1000-$2500 Deductible 190 7 Wood siding No
2004 235,000 Wood Shake Roof 3,200 4 > $10,000 Deductible 130 3 Vinyl siding No
1941 175,000 Metal Roof 2,740 4 $2500-$5000 Deductible 550 12 Brick siding No
1971 190,000 Wood Shake Roof 2,290 4 $500 Deductible 1070 12 Stone Siding yes
2012 115,000 Slate Shingles Roof 1,820 3 $500 Deductible 460 12 Wood siding yes
1984 110,000 Membrane Roof 1,800 3 $500 Deductible 520 10 Vinyl siding No
2004 100,000 Wood Shake Roof 1,410 3 $2500-$5000 Deductible 110 4 Stucco siding yes
1977 130,000 Composition Roof 1,920 4 $2500-$5000 Deductible 350 9 Stucco siding No
2013 165,000 Membrane Roof 1,930 5 $5000 to $10,000 Deductible 220 4 Stone Siding yes
1990 155,000 Membrane Roof 2,660 4 $500- $1000 Deductible 210 4 Wood siding yes
1993 190,000 Slate Shingles Roof 2,490 4 $500 Deductible 240 3 Wood siding No
1988 95,000 Metal Roof 1,570 3 $2500-$5000 Deductible 210 7 Brick siding yes
1968 380,000 Metal Roof 4,580 5 > $10,000 Deductible 210 2 Wood siding yes
1984 145,000 Tile Roof 1,890 4 $2500-$5000 Deductible 30 1 Stone Siding yes
1949 200,000 Composition Roof 2,930 4 $500 Deductible 380 7 Stone Siding No
2011 330,000 Shingles Roof 4,950 5 $500- $1000 Deductible 640 5 Stucco siding No
1966 170,000 Asphalt Shingles Roof 2,230 4 $500 Deductible 240 3 Stucco siding yes
1967 185,000 Membrane Roof 2,750 4 $5000 to $10,000 Deductible 170 3 Stucco siding yes
2002 155,000 Tile Roof 1,800 3 $5000 to $10,000 Deductible 120 3 Fiber-Cement Siding No
1944 135,000 Tile Roof 2,280 4 $500 Deductible 300 5 Brick siding yes