Shopping home coverage for a Bells household should not take all week; Freedom Insurance Group does the comparing. Ask for a quote online or call (800) 253-1482.
Home insurance rates in Bells, TN
| Scenario | Market estimate | Freedom Insurance Group example (40% less) |
|---|---|---|
| Typical Bells home (~$164,000) | $1,683/yr | $1,010/yr |
| $300,000 dwelling | $2,130/yr | $1,278/yr |
| $600,000 dwelling | $2,997/yr | $1,798/yr |
| $1,000,000 dwelling | $3,900/yr | $2,340/yr |
The typical homeowners insurance premium in Bells, TN is about $1,683 annually for a typical local home (typical local home value about $164,000). 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 40% lower — near $1,010 per year for a typical home, roughly $1,278 for a $300,000 home, about $1,798 for a $600,000 home, and around $2,340 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 Bells dwelling curve (typical local home value about $164,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Bells, TN, using a typical local home value of about $164,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How Bells home insurance premiums differ
Multiple interlocking factors go into what Bells homeowners pay, and carriers weigh them as a set before quoting. Look for rebuild cost, roof age and material, and storm and wildfire exposure to move the number most. Deductible choice and claims history can also shift the final premium about as much as choosing one carrier over another.
Replacement cost comes down to a simple question: how much would it take to rebuild the house right now, using comparable materials, at current labor and supply prices? When a Bells home has a higher rebuild estimate, premiums generally go up, as the carrier’s maximum payout grows.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality all affect how a property holds up in wind, hail, and fire scenarios common across Tennessee.
Storm, hail, wildfire, and crime scores make up location risk, which can change by ZIP code and neighborhood in Bells, so homes with similar rebuild costs may still price differently.
Fire protection matters as well: a hydrant close by, a short drive to the fire station, and the local protection class may all help the price.
Claims history remains a major rating input: recent claims on the property or household frequently raise rates for Bells renewals and new business quotes too.
Many insurers look at a credit-based insurance score when state rules permit; a better score usually means a lower premium.
About Bells, TN
Bells has about 2,447 residents in Crockett County.
In a smaller Tennessee community such as Bells, what matters for insurance is local construction, fire protection access, and regional storm patterns more than any big-city headline.
Housing here is a mix of single-family homes typical of the Crockett County area, and replacement cost, roof age, and construction type still explain most premium differences block by block.
Pricing in Tennessee often reflect tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Savings opportunities for Bells, 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. Treat “up to” as the top end, not a promise.
Homeowners coverage basics
- Dwelling (Coverage A): This limit pays to rebuild the structure of your home after a covered loss, and it should match what rebuilding costs locally right now.
- Coverage B, other structures: Protection for buildings set apart from the house, for example a shed, fence, or garage.
- Coverage C, personal property: Covers the contents of the home: furniture, clothing, and everyday items. Higher-value categories may have special limits.
- Coverage D, loss of use: 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.
- Medical payments (Coverage F): When a guest gets hurt on your property, this can pay medical bills, usually without a liability claim being filed.
Home-and-auto bundles in Bells, TN
Average bundle savings, illustrated, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Bells, Tennessee | $160 | $240 | $340 |
Bells housing stock and storm history
Bells’ median year built is 1994. About 32% of homes predate 1980, so wiring, plumbing, and roof updates often come up in underwriting.
In FEMA’s National Risk Index, Crockett County rates above the low end for strong-wind (“Relatively Moderate”).
ACS 2020–2024 estimates put about 997 housing units in Bells, and owners occupy roughly 50% of the occupied homes. By structure type, 78% are detached single-family houses, 15% are in buildings with two or more units, and 4.3% are mobile homes.
Tornadoes are part of the picture too: NOAA logged 1 tornado starting within 10 miles of Bells in 2016–2025, the most intense an EF1 during February 2016.
Occupied homes in Bells are heated mostly with electricity (59%) and utility gas (35%).
From 2000 on, Crockett County has been part of 10 major disaster declarations; the latest is Severe Winter Storm (February 2026).
The NOAA Storm Events Database logged 1 hail report within about 5 miles of Bells from 2016 through 2025; it measured at least an inch. Top size measured 1 inch in March 2017 near Bells.
Bells’ recorded beginnings date to 1855. The Census Bureau counted 2,171 people in Bells at the 2000 Census and 2,437 at the 2010 Census; its July 2024 estimate is 2,474. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 9 hail reports within 5 miles of Bells between 1955 and 2015; the biggest stones, 1.75 inches, fell on February 28, 1997. NOAA Storm Prediction Center records list 9 tornadoes that began within 10 miles of Bells from 1950 through 2015; the strongest was an F3 on January 17, 1999.
Looking at neighboring communities? Nearby home insurance pages: Alamo (5 mi), Humboldt (13 mi), and Brownsville (13 mi).
ZIP codes we insure in and around Bells
38006 · 38336
Browse Tennessee coverage guides
Request home insurance quotes in Bells, TN
In Bells, Freedom Insurance Group shops 25+ carriers. Request a free home quote online or phone (800) 253-1482.
