Home and auto insurance in Monterey, TN
Monterey is a town in eastern Putnam County, and the 38574 ZIP stretches into Overton, Cumberland and Fentress counties. Almost all of it lies outside the town limits, and about 1 in 4 homes was built in the 1990s.
- 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
Monterey 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 38574.
Far from a fire station? Know your fire protection class
About 98% of this ZIP's land lies outside any city 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.
Homes from the 1990s need a roof and water check
About 1 in 4 homes here was built in the 1990s. A house from 1995 is 31 years old, so it's due for a second roof if it hasn't had one, and the original water heater and supply lines are past their expected life. Polybutylene plumbing went into many homes built into the mid-1990s; if you've replaced it, tell us.
Manufactured homes are written differently
About 1 in 8 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.
Four counties, one rebuild number
On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab comes to about $339,000 anywhere in this ZIP, whether the address is in Putnam, Overton, Cumberland or Fentress County. The median home here is valued at $196,800, land included. Set the dwelling limit from rebuild cost.
Free tool
What would your Monterey home cost to rebuild?
Our calculator uses Putnam 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.