Shopping home coverage for a Knoxville household can be simple; Freedom Insurance Group handles the legwork. Request a quote online or call (800) 253-1482.
Home insurance rates in Knoxville, TN
| Scenario | Market estimate | Freedom Insurance Group example (42% less) |
|---|---|---|
| Typical Knoxville home (~$255,000) | $1,817/yr | $1,054/yr |
| $300,000 dwelling | $2,059/yr | $1,194/yr |
| $600,000 dwelling | $2,897/yr | $1,680/yr |
| $1,000,000 dwelling | $3,770/yr | $2,187/yr |
The typical homeowners insurance premium in Knoxville, TN is about $1,817 annually for a typical local home (typical local home value about $255,000). For a $300,000 dwelling, expect around $2,059 per year; for a $600,000 home about $2,897; and for a $1,000,000 dwelling about $3,770. Freedom Insurance Group rates are often about 42% lower — near $1,054 per year for a typical home, roughly $1,194 for a $300,000 home, about $1,680 for a $600,000 home, and around $2,187 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,601 |
| $200,000 – $300,000 | $1,789 |
| $300,000 – $400,000 | $2,197 |
| $400,000 – $500,000 | $2,487 |
| $500,000 – $600,000 | $2,768 |
| $600,000 – $700,000 | $2,988 |
| $700,000 – $800,000 | $3,171 |
| $800,000 – $900,000 | $3,410 |
| $900,000 – $1,000,000 | $3,650 |
Band premiums are midpoints on the Knoxville dwelling curve (typical local home value about $255,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Knoxville, TN, using a typical local home value of about $255,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance price factors in Knoxville
Knoxville homeowners are priced on several related factors that underwriters check when they build a quote. Count on rebuild cost, roof age and material, and storm and wildfire exposure to move the number most. Deductible choice and claims history may move the final price about as much as the carrier brand.
Replacement cost is the cost to rebuild the home with similar materials at today’s prices for labor and supplies. The maximum payout tracks the rebuild estimate, so higher figures for Knoxville properties generally mean a higher price.
Frame or masonry walls, the roofing material, and overall build quality each affect how the property fares in Tennessee’s wind, hail, and fire events, which is why construction type and roof details matter too.
Location risk is why neighbors can pay different amounts: carriers score storm, hail, wildfire, and crime risk by ZIP code and neighborhood across Knoxville.
Fire protection weighs distance to hydrants and fire stations along with the area’s protection class, and better protection ratings may earn more competitive pricing.
Claims filed lately on the house or by anyone in the household can raise the price whether a Knoxville policy is renewing or new, since claims history is a big rating factor.
Many insurers look at a credit-based insurance score where permitted; the stronger the score, the lower the premium tends to be.
Getting to know Knoxville, TN
Knoxville is home to about 190,740 residents, located in Knox County, in Knoxville area.
East Tennessee city in Knox County near the Smokies with University of Tennessee influence.
Local housing is a mix of single-family homes typical of Knoxville area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Pricing in Tennessee often build in tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
Our Knoxville office is at 2160 Ellington Way, Knoxville, TN 37932. Call (800) 253-1482, or see the Knoxville office page.
Savings opportunities for Knoxville, TN homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Carriers do not all offer the same discounts, and sizes vary. Read “up to” as the top end, not a guarantee.
Home insurance coverage basics
- Coverage A, dwelling: Rebuilding funds for the home itself after a covered loss. Set it to follow reconstruction costs in your area.
- Other structures (Coverage B): Protection for buildings set apart from the house, like a fence, shed, or detached garage.
- Personal property (C): Pays for belongings in the home: furniture, clothing, and everyday items. Higher-value categories can be subject to special limits.
- Loss of use (Coverage D): When repairs after a covered claim make the house unlivable, it can cover additional living expenses.
- Personal liability (Coverage E): This applies when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Medical payments (Coverage F): It can help pay guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Knoxville, TN home and auto bundling
The figures below show average bundling savings, not a quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Knoxville, Tennessee | $320 | $420 | $780 |
Neighborhoods in Knoxville
- Downtown Knoxville
- South Waterfront
- Old City
- Fort Sanders
- Emory Place
- Mechanicsville
- Fourth and Gill
- Happy Holler
- South Knoxville
- Old North Knoxville
- South Haven
- Parkridge
- Island Home Park
- West Knoxville
- Coster Yards
- West View
- Marble City
- North Knoxville
- Sutherland Heights
- Sequoyah Hills
Housing and weather facts for Knoxville
Named places the USGS records in and around Knoxville include West Knoxville, West View, Lonsdale, Coster Yards, Marble City, and West Haven. Older and newer sections can quote differently because of roof age, construction, and fire-station distance.
The NOAA Storm Events Database logged 23 hail reports within about 9 miles of Knoxville from 2016 through 2025, 20 of them one inch or larger. The biggest was 1.75 inches in April 2017 near West Knoxville.
Knoxville’s median year built is 1974. Roughly 59% of homes predate 1980, so wiring, plumbing, and roof updates often come up in underwriting.
In FEMA’s National Risk Index, Knox County rates above the low end for tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”).
ACS 2020–2024 estimates put about 96,441 housing units in Knoxville, and homeowners occupy about 47% of the occupied homes. Of all units, 52% are detached single-family houses and 41% are in buildings with two or more units.
Since 2000, Knox County has been part of 11 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
Home heating in Knoxville runs mainly on electricity (75%) and utility gas (24%).
Knoxville’s recorded beginnings date to 1786. The name honors Henry Knox. Knoxville’s population went from 173,890 at the 2000 Census to 178,874 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 198,722. The population has stayed fairly steady since 2000.
Going further back, SPC data show 66 hail reports within 5 miles of Knoxville between 1955 and 2015, the largest 3 inches on May 21, 1998. 8 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 9 tornadoes that began within 10 miles of Knoxville from 1950 through 2015; the most powerful, rated F2, touched down on May 2, 1953.
Shopping around the area? Nearby home insurance pages: Rockford (9 mi), Alcoa (11 mi), and Louisville (12 mi).
ZIP codes we insure in and around Knoxville
37901 · 37902 · 37909 · 37912 · 37914 · 37920 · 37921 · 37923 · 37924 · 37927 · 37928 · 37915 · 37916 · 37917 · 37918 · 37919
Landlord insurance for Knoxville rental properties
If you own a rental in Knoxville and do not live there, a standard HO-3 homeowners policy usually does not fit. Landlord or dwelling coverage is built for the building, loss of rents, vacancy rules, and premises liability, while tenants carry their own renters policy for belongings.
Local weather and site risks in Knoxville (storms, hail/wind, flood exposure where relevant, and vacancy between leases) should shape deductibles, DP-1 / DP-2 / DP-3 choice, and whether you add flood or water-backup coverage.
Read our Knoxville landlord insurance guide, the statewide Tennessee landlord insurance hub, or call (800) 253-1482 for a rental quote. You can also begin a free quote online.
Keep exploring Tennessee coverage guides
Get home insurance quotes for Knoxville, TN
For Knoxville residents, Freedom Insurance Group shops 25+ carriers. Phone (800) 253-1482 or request a home quote online.
