Home and auto insurance in Newbern, TN
Newbern is a town in north Dyer County, and the 38059 ZIP reaches into Gibson County. More than 9 in 10 acres of it lie outside the town limits, and 1 in 4 homes was built before 1960.
- 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
Newbern 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 38059.
Earthquake needs its own coverage
This ZIP 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 $150,300, 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 Dyer and Gibson counties. Insuring to market value would leave you short after a total loss. Set the dwelling limit from rebuild cost.
Far from a fire station? Know your fire protection class
About 96% 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.
Older houses need ordinance or law coverage
1 in 4 homes here was built before 1960, and about 1 in 10 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.
Free tool
What would your Newbern 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.