8A Insurance A Division Of Southern Insurance Group LLC
1630 S Church St, Suite 100, Murfreesboro, TN 37130
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1630 S Church St, Suite 100, Murfreesboro, TN 37130
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109 Sulphur Springs Rd, Murfreesboro, TN 37129
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510 Uptown Square, Murfreesboro, TN 37130
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1630 S Church St, Suite 202, Murfreesboro, TN 37130
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1500 Medical Center Pkwy Suite 3A-28, Murfreesboro, TN 37129
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125 River Rock Blvd, Suite C, Murfreesboro, TN 37128
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925 S Church St., Suite A300, Murfreesboro, TN 37130
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1500 Medical Center Pkwy, Suite 6, Murfreesboro, TN 37129
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Learn about insurance coverage options specific to Murfreesboro residents.
Murfreesboro home insurance averages $2,578-$3,085/year. Learn about tornado coverage, new construction discounts, and how to save on rates.
General Insurance EducationComplete insurance guide for Murfreesboro, TN residents. Learn about auto, home, and life insurance costs, coverage requirements, and flood risks.
Car InsuranceMurfreesboro auto insurance averages $133/month. Learn about Tennessee's 25/50/15 requirements, I-24 corridor risks, and how to save on coverage.
Tennessee homeowners pay an average of $2,578 to $3,085 annually for home insurance, which is 19-27% higher than the national average. Your actual cost in Murfreesboro depends on your home's value, age, construction type, and coverage limits. New construction homes may qualify for discounts that lower these rates by 10-20%.
Yes, standard homeowners insurance policies cover tornado and wind damage, which is crucial given that Murfreesboro experienced an EF-0 tornado in July 2024. However, you'll typically have a separate wind/hail deductible of 1-5% of your dwelling coverage—potentially $4,000-$20,000 depending on your home's value—rather than your standard deductible.
It depends on your location. If you're near Stones River, Lytle Creek, or in a FEMA-designated flood zone, flood insurance is essential and may be required by your lender. Even outside flood zones, consider that Middle Tennessee experienced significant flooding during the May 2024 severe storms. A separate flood policy costs $700-$1,500 annually and isn't covered by standard homeowners insurance.
Generally yes. Murfreesboro's 193+ new construction homes often qualify for insurance discounts of 10-20% because they're built to current codes with better wind resistance, impact-resistant roofing, and modern electrical and plumbing systems. These features reduce the risk of claims, which insurers reward with lower premiums.
Bundle your home and auto insurance for 15-25% savings, install a monitored security system (5-20% discount), upgrade to Class 4 impact-resistant shingles, and increase your deductible strategically. Also shop around every 2-3 years, as rates in Tennessee can vary by up to 28.89% between carriers and locations.
Your dwelling coverage should reflect the cost to rebuild at current construction rates, not your purchase price. With median home prices at $427,000 and construction costs up 20% in recent years, consider guaranteed replacement cost coverage. Aim for at least $300,000 in liability coverage, and ensure your personal property and additional living expense limits match your actual needs.
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