Compare homeowners insurance quotes in Medina, TN with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Medina, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$261,400) | $1,914 | $1,225 |
| $300,000 dwelling | $2,130 | $1,363 |
| $600,000 dwelling | $2,997 | $1,918 |
| $1,000,000 dwelling | $3,900 | $2,496 |
The typical homeowners insurance premium in Medina, TN is about $1,914 annually for a typical local home (typical local home value about $261,400). For a $300,000 dwelling, expect around $2,130 per year; for a $600,000 home about $2,997; and for a $1,000,000 dwelling about $3,900. Freedom Insurance Group rates are often about 36% lower — near $1,225 per year for a typical home, roughly $1,363 for a $300,000 home, about $1,918 for a $600,000 home, and around $2,496 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,656 |
| $200,000 – $300,000 | $1,851 |
| $300,000 – $400,000 | $2,272 |
| $400,000 – $500,000 | $2,572 |
| $500,000 – $600,000 | $2,864 |
| $600,000 – $700,000 | $3,092 |
| $700,000 – $800,000 | $3,280 |
| $800,000 – $900,000 | $3,528 |
| $900,000 – $1,000,000 | $3,776 |
Band premiums are midpoints on the Medina dwelling curve (typical local home value about $261,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Medina, TN, using a typical local home value of about $261,400. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Medina, TN: what is distinctive here
Around 4,124 people live in Medina and lies within Gibson County.
Medina is located in the Gibson County area, and there everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses typical of the Gibson County area; replacement cost, roof age, and construction type still explain most premium differences from street to street.
Pricing in Tennessee often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Home insurance price factors in Medina
Pricing for a Medina home rests on a handful of interlocking factors that underwriters review together. The heaviest factors are typically rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can swing the final premium as much as the company you choose.
Replacement cost is the amount needed to rebuild the home with like-kind materials at today’s labor and material prices. The carrier’s exposure moves with the rebuild estimate, which is why larger Medina rebuild numbers usually mean a higher price.
Whether walls are frame or masonry, the roof covering, and how well the house is built all influence how the property fares against Tennessee’s wind, hail, and fire events, so construction type and roof details matter too.
Location risk reflects storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Medina, so two homes with similar rebuild costs may still price differently.
Fire protection considers hydrant and fire-station distance together with local protection class, and a stronger protection profile often support lower premiums.
Carriers check claims history closely; recent claims on the property or household can push rates up for Medina renewals and new policies.
In states that allow it, insurers may apply a credit-based insurance score, and a stronger score tends to bring a lower price.
Ways to cut the premium in Medina, TN
| 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% |
Which discounts apply and how much they are worth differ from carrier to carrier. “Up to” marks the top of the range, not a guarantee.
How a homeowners policy is built
- Coverage A, dwelling: After a covered loss, this limit rebuilds the house itself; make sure it tracks current local reconstruction costs.
- Other structures (B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (C): It protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Coverage D, loss of use: This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Personal liability (Coverage E): When you are found legally liable for bodily injury or property damage to others in a covered incident, this coverage steps in.
- Coverage F, medical payments: If a visitor is injured at your home, it helps with their medical bills, frequently with no formal liability claim.
Bundling home and auto in Medina, TN
The figures below are illustrated averages for bundling, not a guaranteed quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Medina, Tennessee | $256 | $444 | $634 |
Local housing and storm data: Medina
Occupied homes in Medina are heated mostly with utility gas (56%) and electricity (43%).
ACS 2020–2024 estimates put about 1,921 housing units in Medina, and owner-occupants live in about 82% of the occupied homes. By structure type, 92% are detached single-family houses.
Tornadoes are part of the picture too: NOAA lists 2 tornadoes starting within 10 miles of Medina between 2016 and 2025, with the strongest at EF1 during March 2022.
The median home in Medina was built in 2004. Ages are mixed: 21% predate 1980 and 22% went up in 2010 or later.
FEMA’s National Risk Index flags tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Gibson County.
Since 2000, Gibson County has been part of 14 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
NOAA’s Storm Events Database lists 7 hail reports within about 5 miles of Medina from 2016 through 2025; 4 were one inch or bigger. The biggest was 1.25 inches in December 2023 around Fairview.
The Census Bureau counted 969 people in Medina at the 2000 Census and 3,479 at the 2010 Census; its July 2024 estimate is 5,681. That is growth of roughly 486% since 2000.
Going further back, SPC data show 13 hail reports within 5 miles of Medina between 1955 and 2015, topped by hail of 1.75 inches on May 9, 1998. NOAA Storm Prediction Center records list 17 tornadoes that began within 10 miles of Medina from 1950 through 2015, the strongest an F3 on March 21, 1952.
Looking at neighboring communities? Nearby home insurance pages: Three Way (5 mi), Humboldt (6 mi), and Milan (7 mi).
Medina-area ZIP codes we insure
38355
Other Tennessee insurance resources
Quote homeowners coverage for Medina, TN
Medina residents get a comparison of 25+ carriers with Freedom Insurance Group. Start a free home quote online or call (800) 253-1482.
