Home and auto insurance in Winchester, TN
Winchester is the Franklin County seat, and the 37398 ZIP takes in part of Tims Ford Lake and reaches into Moore County. The Census counts 660 homes here held for seasonal or occasional use.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Boat coverage for Tims Ford Lake
Winchester 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 37398.
Tell us if it's a second home
About 1 in 12 homes here is held for seasonal or occasional use. A house you don't live in most of the year is usually written as a secondary or seasonal home, with its own rates and rules. If you rent it out, even a few weekends a year, tell us before you list it. Rental use can change which policy the home needs.
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 $247,800, 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 Moore counties. Set the dwelling limit from rebuild cost.
Older in-town houses need ordinance or law coverage
23% of homes here were built before 1960. 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 Winchester 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.