Freedom Insurance Group works with Blountville, TN by providing side-by-side homeowners quotes from 25+ companies.
What makes Blountville, TN unique
Blountville counts roughly 3,074 residents and sits in Sullivan County.
Blountville is part of the Sullivan County area, and there routine insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Sullivan County area, and replacement cost, roof age, and construction type still account for most premium differences block by block.
Pricing in Tennessee often reflects tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Homeowners pricing in Blountville, TN
The typical homeowners insurance premium in Blountville, TN is about $1,725 annually for a typical local home (typical local home value about $185,600). 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 $1,121 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 Blountville dwelling curve (typical local home value about $185,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Blountville, TN, using a typical local home value of about $185,600. 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.
Homeowners policy coverages, A through F
- Dwelling (A): The limit that rebuilds the house after a covered loss. Match it to reconstruction costs in your area.
- Other structures (Coverage B): Protection for anything detached from the main house, such as a garage, shed, or fence.
- Coverage C, personal property: Belongings such as furniture and clothing in the home are protected, though special limits can cap higher-value categories.
- Loss of use (Coverage D): If a covered claim forces you out during repairs, it can cover additional living expenses.
- Personal liability (Coverage E): It pays when you are legally responsible for injuries to others or damage to their property from a covered incident.
- Medical payments (Coverage F): Medical bills for guests injured on your property, usually handled without a liability claim.
Homeowners discounts in Blountville, 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% |
Carriers do not all offer the same discounts, and the amounts vary. Read “up to” as the ceiling, not a promise.
What shapes home insurance prices in Blountville
A Blountville home insurance price is built from several related inputs that carriers check as a group. Look for rebuild cost, the roof’s age and type, and local storm or wildfire exposure to move the number most. The deductible you pick and your claims record can also shift the final premium as much as choosing one carrier over another.
Replacement cost is a straightforward idea: what would it cost to rebuild the house today, using comparable materials, at today’s prices for labor and materials? The maximum payout moves with the rebuild estimate, so larger Blountville rebuild numbers tend to mean a higher price.
Frame or masonry walls, the roof covering, and overall build quality all shape how a house performs in the wind, hail, and fire common across Tennessee, so construction type and roof details matter too.
Location risk is why neighbors can pay different amounts: carriers score storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood within Blountville.
A solid fire protection profile built on the protection class and nearby hydrants and stations tends to make a quote more competitive.
Recent claims on the house or by anyone in the household can raise rates for Blountville renewals as well as new policies, since claims history is a big rating factor.
Many insurers look at a credit-based insurance score when state rules permit; a better score usually means a lower premium.
Blountville, TN home and auto bundling
The amounts shown are illustrated averages for bundling, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Blountville, Tennessee | $160 | $240 | $340 |
Local housing and storm data: Blountville
The National Risk Index from FEMA shows elevated ratings for strong-wind (“Relatively High”) in Sullivan County.
The Census Bureau’s 2020–2024 American Community Survey counts about 1,042 housing units in Blountville, and owner-occupants live in about 80% of the occupied homes. Of all units, 75% are detached single-family houses, 12% are in buildings with two or more units, and 12% are mobile homes.
Blountville’s median year built is 1973. Roughly 64% of homes predate 1980, which means system and roof updates can change eligibility and price.
For heat, Blountville households mostly rely on electricity (88%) and fuel oil or kerosene (6.5%).
The NOAA Storm Events Database logged 1 hail report within about 5 miles of Blountville from 2016 through 2025, and it was at least one inch across. The biggest was 1 inch in June 2020 around Bluff City.
Named communities and subdivisions in USGS place-name records near Blountville include Anderson, Camp Placid, Buncombe, and Oakview. Older and newer sections can quote differently based on build era, roof, and fire protection.
Since 2000, Sullivan County has been part of 4 major disaster declarations; the latest was Severe Winter Storm (February 2026).
Going further back, the Storm Prediction Center lists 12 hail reports within 5 miles of Blountville between 1955 and 2015, the largest 2.75 inches on April 27, 2011. Reports of 2-inch or bigger hail number 1 in that span. The NOAA Storm Prediction Center database shows 4 tornadoes that began within 10 miles of Blountville from 1950 through 2015; the most powerful, rated F2, touched down on June 3, 1962.
Shopping around the area? See our home insurance pages for Walnut Hill (4 mi), Bluff (6 mi), and Bristol (6 mi).
ZIP codes we serve in and around Blountville
37617
