Bloomingdale households can compare homeowners coverage with less legwork through Freedom Insurance Group. Phone (800) 253-1482 or request a quote online.
Homeowners insurance rates in Bloomingdale, TN
| Scenario | Market estimate | Freedom Insurance Group example (42% less) |
|---|---|---|
| Typical Bloomingdale home (~$141,800) | $1,640/yr | $951/yr |
| $300,000 dwelling | $2,130/yr | $1,235/yr |
| $600,000 dwelling | $2,997/yr | $1,738/yr |
| $1,000,000 dwelling | $3,900/yr | $2,262/yr |
The typical homeowners insurance premium in Bloomingdale, TN is about $1,640 annually for a typical local home (typical local home value about $141,800). 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 42% lower — near $951 per year for a typical home, roughly $1,235 for a $300,000 home, about $1,738 for a $600,000 home, and around $2,262 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 Bloomingdale dwelling curve (typical local home value about $141,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Bloomingdale, TN, using a typical local home value of about $141,800. 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.
How Bloomingdale home insurance premiums differ
Bloomingdale homeowners are priced on several related factors that underwriters review when they build a quote. 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 swing the final premium as much as the carrier brand itself.
Replacement cost comes down to a simple question: what would it cost to rebuild this home right now, using comparable materials, at current labor and supply prices? Since the carrier’s top payout grows with the rebuild estimate, larger figures for Bloomingdale homes generally raise premiums.
Whether walls are frame or masonry, the roofing material, and general construction quality all influence how the home holds up in Tennessee’s wind, hail, and fire events, so construction type and roof details matter too.
Location risk is why similar homes can price differently: carriers score storm, hail, wildfire, and crime risk by ZIP code and neighborhood across Bloomingdale.
Fire protection counts as well: a hydrant close by, quick fire-station response, and the local protection class can all help the price.
Recent claims on the property or by the household can raise the price for Bloomingdale renewals as well as new policies, since claims history is a big rating factor.
Credit-based insurance score is a lever too in states that allow it: carriers that use it tend to price lower for stronger scores.
Bloomingdale, TN: local context
Bloomingdale has roughly 9,888 residents within Tennessee.
Bloomingdale sits in Tennessee, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses like those across Tennessee; replacement cost, roof age, and construction type still explain most premium differences block by block.
Tennessee pricing often reflect tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Discounts for Bloomingdale, 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% |
Discounts are not uniform across carriers, and sizes vary. Treat “up to” as the top end, not a guarantee.
The six parts of a home policy
- Coverage A, dwelling: It pays to rebuild the house itself after a covered loss, and it should track what rebuilding costs locally right now.
- Other structures (Coverage B): Coverage for anything detached from the main house, like a shed, fence, or garage.
- Personal property (C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): When repairs after a covered claim make the house unlivable, this coverage helps with additional living expenses.
- Personal liability (E): If you are legally responsible for bodily injury or property damage to others from a covered event, this coverage steps in.
- Medical payments (F): This helps with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Bundling home and auto in Bloomingdale, TN
Illustrated average bundle savings, not a guaranteed quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Bloomingdale, Tennessee | $312 | $488 | $650 |
Local housing and storm data: Bloomingdale
Bloomingdale’s median year built is 1974. About 60% of homes were built before 1980, so system and roof updates can change eligibility and price.
From 2000 on, Sullivan County has appeared in 4 major disaster declarations; the latest was Severe Winter Storm (February 2026).
Named communities and subdivisions in USGS place-name records near Bloomingdale include Harmony Hills, Kingsley Hills, East Kingsport, Cedar Grove, Northcott, and Darlington Heights. Rates can still differ from one section to the next because of construction era and roof condition.
ACS 2020–2024 estimates put about 4,699 housing units in Bloomingdale, and owner-occupants live in about 75% of the occupied homes. By structure type, 80% are detached single-family houses, 5.1% are in buildings with two or more units, and 14% are mobile homes.
NOAA storm records show 6 hail reports within about 5 miles of Bloomingdale from 2016 through 2025; 6 were one inch or bigger. Top size was 1.5 inches in May 2022 around Lynn Garden.
The National Risk Index from FEMA shows elevated ratings for strong-wind (“Relatively High”) in Sullivan County.
Occupied homes in Bloomingdale are heated mostly with electricity (96%).
Older NOAA hail logs add more history: SPC data show 31 hail reports within 5 miles of Bloomingdale between 1955 and 2015, the largest 2.75 inches on May 5, 1977. 2 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 5 tornadoes that began within 10 miles of Bloomingdale from 1950 through 2015, the strongest an F1 on October 1, 1977. That tornado’s record lists 10 injuries.
Looking at neighboring communities? We also have home insurance pages for Kingsport (5 mi), Colonial Heights (6 mi), and Mount Carmel (9 mi).
ZIP codes we serve in and around Bloomingdale
37664 · 37665 · 37660 · 37662 · 37669
Keep exploring Tennessee coverage guides
Quote homeowners coverage in Bloomingdale, TN
In Bloomingdale, Freedom Insurance Group shops 25+ carriers. Start a free home quote online or call (800) 253-1482.
