Home and auto insurance in Estill Springs, TN
Estill Springs is a town in Franklin County. The 37330 ZIP takes in parts of Tims Ford Lake and Woods Reservoir and reaches into Coffee County. Half its homes were built in the 1980s and 1990s, and 90% of households own their home.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Boat coverage for Tims Ford Lake
Estill Springs 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 37330.
Know what's behind the walls
Half the homes here were built in the 1980s and 1990s. Polybutylene plumbing went into many homes built from the late 1970s into the mid-1990s, and some carriers decline or surcharge homes that still have it. If you've replaced it, tell us when. The same goes for the roof and the water heater.
Manufactured homes are written differently
More than 1 in 6 homes in this ZIP is a manufactured home. Carriers usually insure them on a policy or endorsement made for manufactured homes, and the year built matters. Homes built before June 15, 1976 predate the federal HUD construction code, and some carriers won't write them. Have the HUD label number handy when you call.
Lake homes carry more liability
Guests, swimmers, docks and boats all add liability that a typical neighborhood home doesn't have. Check your liability limit against our guideline, 2.5 times household income or net worth, whichever is greater, and look at an umbrella that extends to your boat.
Rebuild cost runs above market value
The median home here is valued at $213,500, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab comes to about $339,000 in both Franklin and Coffee counties. Set the dwelling limit from rebuild cost.
Free tool
What would your Estill Springs home cost to rebuild?
Our calculator uses Franklin 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 →Tims Ford Lake
Boat insurance on Tims Ford Lake
On the standard homeowners form, a boat with its motor and trailer is covered for about $1,500, and liability is excluded for most boats with larger motors. A boat policy covers the boat, the motor, the trailer and the liability when something happens at the dock or on the water.
Tims Ford Lake is a TVA reservoir. Under Section 26a of the TVA Act, a dock, pier or boathouse needs TVA approval before it's built. If you're buying a home with a dock, ask the seller for the permit. Ask how your policy treats your dock; coverage for it isn't always automatic.
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.