Compare, with Freedom Insurance Group, homeowners insurance quotes for Newport, TN. We compare 25+ carriers and help you match coverage to the home and vehicles you really own.
Average homeowners insurance cost in Newport, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$160,000) | $1,676 | $1,089 |
| $300,000 dwelling | $2,130 | $1,384 |
| $600,000 dwelling | $2,997 | $1,948 |
| $1,000,000 dwelling | $3,900 | $2,535 |
The typical homeowners insurance premium in Newport, TN is about $1,676 annually for a typical local home (typical local home value about $160,000). 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 35% lower — near $1,089 per year for a typical home, roughly $1,384 for a $300,000 home, about $1,948 for a $600,000 home, and around $2,535 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 Newport dwelling curve (typical local home value about $160,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Newport, TN, using a typical local home value of about $160,000. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Newport, TN stand out
Newport counts about 6,834 residents, located in Cocke County.
Newport is part of the Cocke County area, where day-to-day 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 Cocke 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 questions near rivers and low-lying areas.
What moves home insurance rates in Newport
A Newport home insurance price is built from several interlocking factors underwriters weigh together. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Putting the house back in comparable materials at today’s labor and supply prices defines what replacement cost captures. A bigger rebuild figure on a Newport home, the price tends to climb, because the insurer’s exposure grows.
Construction type and roof details count as well: frame versus masonry walls, roofing material, and overall build quality all influence how a property holds up in wind, hail, and fire that are common across Tennessee.
Two Newport homes with similar rebuild costs may still get different quotes due to location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
A strong fire protection rating built on the protection class and nearby hydrants and stations can make pricing more competitive.
A recent claim on the house or by anyone in the household may lift premiums on Newport renewals and new quotes alike, since claims history remains a major rating input.
If state law permits, companies can use a credit-based insurance score, and a higher score generally leads to lower premiums.
Savings opportunities for Newport, 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% |
Every insurer sets its own discounts and amounts. Treat “up to” as the ceiling, not a promise.
Coverage basics for homeowners
- Dwelling (A): It pays to rebuild the structure of your home after a covered loss, and it should track what rebuilding costs locally right now.
- Coverage B, other structures: This handles buildings set apart from the house, for example a garage, shed, or fence.
- Personal property (C): Protects what is inside the house: furniture, clothing, and everyday items. Pricier categories can be subject to special limits.
- Loss of use (D): Extra living expenses while the home is being repaired after a covered claim makes it unlivable.
- Personal liability (Coverage E): This applies when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
- Coverage F, medical payments: If a visitor is injured at your home, it helps with their medical bills, usually without a liability claim being filed.
Newport, TN home & auto bundle savings
These illustrate average bundle savings, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Newport, Tennessee | $250 | $432 | $634 |
Housing and weather facts for Newport
The National Risk Index from FEMA shows elevated ratings for strong-wind (“Relatively Moderate”) in Cocke County.
The Census Bureau’s 2020–2024 American Community Survey counts about 3,470 housing units in Newport, and owner-occupants live in roughly 56% of the occupied homes. Of all units, 61% are detached single-family houses, 29% are in buildings with two or more units, and 10% are mobile homes.
NOAA’s Storm Events Database lists 2 hail reports within about 5 miles of Newport from 2016 through 2025; 2 were one inch or bigger. The biggest measured 1.75 inches in February 2025 around Newport.
Named communities and subdivisions in USGS place-name records near Newport include Jaybird, West End, Eastport, Northport, and Jimtown. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
For heat, Newport households mostly rely on electricity (76%) and utility gas (23%).
Since 2000, Cocke County has appeared in 12 major disaster declarations; the latest was Severe Winter Storm (February 2026).
Half of Newport’s homes were built in or before 1973. Roughly 60% of homes were built before 1980, which means system and roof updates often come up in underwriting.
Tornado history matters here as well: NOAA recorded 1 tornado starting within 10 miles of Newport between 2016 and 2025, the strongest rated EF0 in January 2023.
The Census Bureau counted 7,242 people in Newport at the 2000 Census and 6,945 at the 2010 Census; its July 2024 estimate is 6,954. The population has stayed fairly steady since 2000.
Earlier hail records help too: SPC data show 11 hail reports within 5 miles of Newport between 1955 and 2015, topped by hail of 2 inches on September 10, 1957. Reports of 2-inch or bigger hail number 1 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 6 tornadoes that began within 10 miles of Newport from 1950 through 2015; the strongest was an F2 on March 11, 1963. That tornado’s record lists 1 death and 1 injury.
Looking at neighboring communities? We also have home insurance pages for White Pine (11 mi), Dandridge (14 mi), and Morristown (18 mi).
ZIP codes we serve in and around Newport
37821
Related Tennessee coverage guides
Newport, TN homeowners quotes
Freedom Insurance Group compares 25+ carriers for Newport residents. Begin a home quote online or call (800) 253-1482.
