Home and auto insurance in Tullahoma, TN
The 37388 ZIP covers Tullahoma and reaches into four counties: Coffee, Franklin, Moore and Bedford. 29% of its homes were built in the 1950s and 1960s, and 32% 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
Tullahoma 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 37388.
Homes from the 1950s and 1960s need ordinance or law coverage
29% of homes here were built in the 1950s and 1960s. 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.
Tell us what's been updated
Half the homes here were built before 1980. Carriers ask about the roof, the electrical panel, the wiring and the plumbing on older homes. Aluminum branch wiring went into some homes built from 1965 to 1973, and carriers ask about it because the connections can overheat. If you've replaced any of them, have the year handy.
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 Coffee, Franklin, Moore or Bedford County. The median home here is valued at $249,900, land included. Set the dwelling limit from rebuild cost.
Renters need their own policy
About 1 in 3 households here rents. 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 Tullahoma home cost to rebuild?
Our calculator uses Coffee 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.