Compare homeowners insurance quotes in Scotts Hill, TN with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
What home insurance costs in Scotts Hill, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$114,200) | $1,586 | $1,031 |
| $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 Scotts Hill, TN is about $1,586 annually for a typical local home (typical local home value about $114,200). 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 $1,031 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 Scotts Hill dwelling curve (typical local home value about $114,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Scotts Hill, TN, using a typical local home value of about $114,200. 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.
Getting to know Scotts Hill, TN
Roughly 984 residents call Scotts Hill home and lies within Decatur County.
For a smaller Tennessee place like Scotts Hill, insurance comes down to local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family properties typical of the Decatur County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Tennessee pricing often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
What shapes home insurance premiums in Scotts Hill
Underwriters price a Scotts Hill home quote from several overlapping factors that work together. Most of the price comes from rebuild cost, roof age and material, and local storm or wildfire exposure; deductible choice and claims history can move the final premium as much as which carrier you pick.
Consider replacement cost as the price of rebuilding your home in like-kind materials at current labor and supply costs. Because the carrier’s largest possible payout grows with the rebuild estimate, larger figures for Scotts Hill homes usually lift premiums.
Construction type and roof details matter as well: underwriters check whether walls are frame or masonry, the roofing material, and the overall build quality, since those details decide how it handles the wind, hail, and fire seen across Tennessee.
Two Scotts Hill homes with close rebuild estimates may still get different quotes thanks to location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
Fire protection matters as well: a nearby hydrant, a close fire station, and a strong protection class may all help the price.
Claims filed lately tied to the home or the household can push up rates for Scotts Hill renewals as well as new policies, since claims history still weighs heavily.
Credit-based insurance score also plays a role in states that allow it: companies that apply it generally offer lower premiums for stronger scores.
Discounts for Scotts Hill, 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% |
Not every carrier offers every discount, and sizes vary. “Up to” shows the maximum, not a guarantee.
Coverage basics for homeowners
- Dwelling (A): This is the limit that pays to rebuild the house itself after a covered loss, and it should match local rebuilding costs today.
- Other structures (B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Pricier categories can be subject to special limits.
- Loss of use (Coverage D): Temporary housing and related costs until repairs are done after a covered claim makes it unlivable.
- Coverage E, personal liability: Protection when you are legally on the hook for injuries to others or damage to their property arising from a covered event.
- Medical payments (Coverage F): It can help pay guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Bundling home and auto in Scotts Hill, TN
These illustrate average bundle savings, not a guaranteed quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Scotts Hill, Tennessee | $274 | $470 | $648 |
What public data says about Scotts Hill homes
Since 2000, Decatur County has been part of 16 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
Tornado history matters here as well: NOAA logged 3 tornadoes touching down within 10 miles of Scotts Hill between 2016 and 2025, the strongest rated EF1 in March 2017.
Scotts Hill’s median year built is 1987. Roughly 40% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) in Decatur County.
Occupied homes in Scotts Hill are heated mostly with electricity (53%) and utility gas (46%).
NOAA storm records show 2 hail reports within about 5 miles of Scotts Hill from 2016 through 2025 (2 at one inch or more). The biggest measured 1 inch in March 2021 near Scotts Hill.
ACS 2020–2024 estimates put about 506 housing units in Scotts Hill, and owner-occupants live in close to 60% of the occupied homes. Of all units, 63% are detached single-family houses, 5.3% are in buildings with two or more units, and 31% are mobile homes.
Census counts put Scotts Hill at 894 residents in 2000 and 984 in 2010, and the Census Bureau’s July 2024 estimate is 891. Numbers have held fairly steady since 2000.
Going further back, the Storm Prediction Center lists 8 hail reports within 5 miles of Scotts Hill between 1955 and 2015; the biggest stones, 2 inches, fell on April 26, 2011. 1 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 3 tornadoes that began within 10 miles of Scotts Hill from 1950 through 2015; the most powerful, rated F1, touched down on April 7, 2006.
Looking at neighboring communities? See our home insurance pages for Lexington (11 mi), Parsons (12 mi), and Clifton (18 mi).
Scotts Hill-area ZIP codes we insure
38374 · 38371
Other Tennessee insurance guides
Scotts Hill, TN home insurance quotes
Freedom Insurance Group compares 25+ carriers for Scotts Hill residents. Call (800) 253-1482 or begin a free home quote online.
