Freedom Insurance Group works with Burns, TN by providing side-by-side homeowners quotes from 25+ companies.
Burns, TN: local context
Burns is home to roughly 1,473 residents and lies within Dickson County.
Burns does not have big-city tourism headlines, so the insurance story is about local construction, fire protection access, and regional storm patterns.
Local housing is a mix of single-family homes typical of the Dickson County area, and replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
Tennessee pricing often reflects tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Home insurance prices in Burns, TN
The typical homeowners insurance premium in Burns, TN is about $2,049 annually for a typical local home (typical local home value about $285,600). 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 41% lower — near $1,209 per year for a typical home, roughly $1,257 for a $300,000 home, about $1,768 for a $600,000 home, and around $2,301 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 Burns dwelling curve (typical local home value about $285,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Burns, TN, using a typical local home value of about $285,600. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
The six parts of a home policy
- Dwelling (A): This is the limit that pays to rebuild your home’s structure after a covered loss, and it should keep pace with local rebuilding costs today.
- Coverage B, other structures: Protection for buildings set apart from the house, for example a fence, shed, or detached garage.
- Personal property (Coverage C): Protects what is inside the house: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Loss of use (D): Extra living expenses until repairs are done after a covered claim makes it unlivable.
- Personal liability (E): Should you be held legally responsible for injuring another person or damaging their things in a covered incident, this part responds.
- Medical payments (F): Visitors’ medical expenses after an injury on your property, often paid without any formal claim.
Home insurance discounts in Burns, 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% |
Each company decides which discounts it offers and how large they are. “Up to” is the high end, not a promise.
How Burns home insurance prices vary
Burns homeowners are priced on several connected factors that underwriters review when they build a quote. Deductible choice and past claims can change the final price as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Replacement cost is the amount needed to rebuild the home with comparable materials at today’s prices for labor and supplies. Since the carrier’s top payout climbs with the rebuild estimate, higher estimates for Burns properties generally raise premiums.
Whether walls are frame or masonry, the roofing material, and how well the house is built all influence how the home holds up against Tennessee’s wind, hail, and fire events, which is why construction type and roof details count.
Location risk captures storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Burns, so two homes with similar rebuild costs can still get different prices.
Fire protection counts as well: a nearby hydrant, a close fire station, and a good protection class rating can each help pricing.
Underwriters review claims history on every quote; recent claims on the property or household tend to push rates up for Burns renewals and new policies.
In states that allow it, insurers may apply a credit-based insurance score, and a stronger score generally leads to lower premiums.
Burns, TN bundling home and auto
These show average bundling savings, not a guaranteed quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Burns, Tennessee | $250 | $420 | $644 |
Burns homes by the numbers
ACS 2020–2024 estimates put about 780 housing units in Burns, and owner-occupants live in close to 78% of the occupied homes. By structure type, 87% are detached single-family houses and 6.4% are mobile homes.
From 2000 on, Dickson County has appeared in 15 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
On tornadoes, NOAA logged 8 tornadoes starting within 10 miles of Burns between 2016 and 2025, the strongest rated EF2 during December 2021.
FEMA’s National Risk Index flags tornado (“Relatively Moderate”) in Dickson County.
NOAA storm records show 8 hail reports within about 5 miles of Burns from 2016 through 2025, 7 of them one inch or larger. The biggest was 1.75 inches in November 2022 near Dickson.
Burns’ median year built is 1980. About 50% of homes predate 1980, which means wiring, plumbing, and roof updates can change eligibility and price.
Occupied homes in Burns are heated mostly with utility gas (60%) and electricity (39%).
Census counts put Burns at 1,366 residents in 2000 and 1,468 in 2010, and the Census Bureau’s July 2024 estimate is 1,872. That is growth of roughly 37% since 2000.
Earlier hail records help too: the Storm Prediction Center lists 34 hail reports within 5 miles of Burns between 1955 and 2015, the largest 1.75 inches on April 20, 1996. The NOAA Storm Prediction Center database shows 11 tornadoes that began within 10 miles of Burns from 1950 through 2015; the most powerful, rated F3, touched down on April 16, 1998.
Shopping around the area? We also have home insurance pages for Dickson (3 mi), White Bluff (7 mi), and Charlotte (9 mi).
ZIP codes we cover in and around Burns
37029
