Home and auto insurance in Middleton, TN
Middleton is a small town in southern Hardeman County. Almost all of the 38052 ZIP lies outside the town limits, and the median home value is $131,800.
- 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
Middleton 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 38052.
Rebuild cost runs far above market value
The median home here is valued at $131,800, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Hardeman County comes to about $339,000. A dwelling limit set from what the house would sell for can leave you far short after a total loss. Set it from rebuild cost.
Far from a fire station? Know your fire protection class
About 98% of this ZIP's land lies outside the Middleton town limits. Insurers use a fire protection class from ISO. A home more than 5 road miles from the fire station that responds to it is generally rated class 10, or 10W if it's within 7 miles and 1,000 feet of a water source. Those classes usually cost more to insure. Tell us the road distance to your station when you quote.
An empty house needs the right policy
Nearly 1 in 5 homes in this ZIP is vacant. If you own a house that sits empty, such as one you inherited, tell us. On the standard homeowners form, vandalism isn't covered once the home has been vacant for more than 60 days in a row, and a house nobody lives in usually needs a different policy.
Manufactured homes are written differently
About 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.
Free tool
What would your Middleton home cost to rebuild?
Our calculator uses Hardeman 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.