Home and auto insurance in Dyersburg, TN
Dyersburg is the Dyer County seat, in northwest Tennessee. In the 38024 ZIP, more than 2 in 3 homes were built before 1990, and 41% of households rent.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Home and auto bundled when it saves you money
Dyersburg by the numbers
The homes here, and what that means for coverage
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates, ZIP code 38024.
Earthquake needs its own coverage
Dyer County is in northwest Tennessee, where the U.S. Geological Survey maps the New Madrid Seismic Zone. The Tennessee Department of Commerce & Insurance says standard homeowners policies don't cover earthquake damage, so the coverage has to be added or bought separately. Its deductible is usually 10% to 20% of the coverage limit. On a $300,000 home, 10% means you pay the first $30,000.
Rebuild cost runs well above market value
The median home here is valued at $175,600, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Dyer County comes to about $339,000. Insuring to market value would leave you short after a total loss. Set the dwelling limit from rebuild cost.
Older houses need ordinance or law coverage
29% of homes here were built before 1960, and about 1 in 9 before 1940. When an older house is damaged, the repair has to meet today's building code, and a standard policy pays only a limited amount for those upgrades. Ordinance or law coverage raises that amount. On a house this age, we usually recommend it.
Renters need their own policy
41% of households here rent. Your landlord's policy covers the building only. A renters policy covers your belongings and your liability if a guest gets hurt, and it pays for a place to stay if a covered loss makes your home unlivable.
Free tool
What would your Dyersburg home cost to rebuild?
Our calculator uses Dyer County construction costs. Enter your square footage and finish level and check the result against Coverage A on your policy.
Run the rebuild calculatorAuto in Tennessee
State minimum: 25/50/25
That's $25,000 per person and $50,000 per accident for injuries you cause, and $25,000 for property damage. Most households need more. Our guideline is liability equal to 2.5 times household income or net worth, whichever is greater.
Every Tennessee auto policy includes uninsured motorist coverage at the same limits as your bodily injury liability, unless the named insured rejects it or picks lower limits in writing. Lower limits can't go below the state minimum. A rejection generally carries over to renewals with the same insurer until you ask for the coverage in writing. If you buy it, you also get the option to add uninsured motorist property damage coverage for your car.
Find your liability number →Send us your current policy
We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.