Compare homeowners coverage without the runaround with help from Freedom Insurance Group. Phone (800) 253-1482 or request a quote online.
Home insurance rates in Caryville, TN
| Scenario | Market estimate | Freedom Insurance Group example (41% less) |
|---|---|---|
| Typical Caryville home (~$193,300) | $1,740/yr | $1,027/yr |
| $300,000 dwelling | $2,130/yr | $1,257/yr |
| $600,000 dwelling | $2,997/yr | $1,768/yr |
| $1,000,000 dwelling | $3,900/yr | $2,301/yr |
The typical homeowners insurance premium in Caryville, TN is about $1,740 annually for a typical local home (typical local home value about $193,300). 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 $1,027 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 Caryville dwelling curve (typical local home value about $193,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Caryville, TN, using a typical local home value of about $193,300. 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.
Home insurance price factors in Caryville
Caryville homeowners are priced on several interlocking factors that underwriters check when they build a quote. The biggest movers are usually rebuild cost, roof age and material, and local storm or wildfire exposure; your deductible and claims record can change the final premium as much as the company you choose.
Replacement cost is a straightforward idea: what would it cost to rebuild this home today, using comparable materials, at current labor and supply prices? Bigger rebuild figures for Caryville properties usually push up premiums because the carrier’s maximum payout rises with that figure.
Frame or masonry walls, what the roof is made of, and how well the house is built each affect how a house performs in the wind, hail, and fire common across Tennessee, which is why construction type and roof details carry weight.
Location risk is the reason two comparable houses may not match on price: carriers score storm, hail, wildfire, and crime exposure by ZIP code and neighborhood within Caryville.
Fire protection weighs distance to hydrants and fire stations together with the local protection class, and better protection ratings can support sharper pricing.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Caryville renewals and new business quotes alike.
Many insurers weigh a credit-based insurance score where permitted; a better score usually means a lower premium.
What makes Caryville, TN unique
Caryville is home to around 2,200 residents in Campbell County.
For a smaller Tennessee place like Caryville, insurance comes down to local construction, fire protection access, and regional storm patterns rather than tourism headlines.
The housing stock is largely single-family homes typical of the Campbell County area, and replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
Tennessee home premiums often reflect tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Savings opportunities for Caryville, 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% |
Discount availability and amounts depend on the carrier. Treat “up to” as the maximum, not a promise.
Homeowners policy coverages, A through F
- Dwelling (A): The limit that rebuilds the house after a covered loss. It should keep pace with local rebuilding prices.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like that stand apart from the house are covered here.
- Personal property (Coverage C): It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (D): Extra living expenses until repairs are done after a covered claim leaves it uninhabitable.
- Personal liability (Coverage E): This coverage responds when you are legally responsible for harm to other people or their property arising from a covered incident.
- Coverage F, medical payments: Medical bills for guests injured on your property, often paid without a liability claim.
Caryville, TN bundling home and auto
These show average bundling savings, not a guaranteed quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Caryville, Tennessee | $300 | $420 | $672 |
Caryville homes by the numbers
The NOAA Storm Events Database logged 2 hail reports within about 5 miles of Caryville from 2016 through 2025, 2 of them one inch or larger. The biggest measured 1 inch in July 2024 around Caryville.
Half of Caryville’s homes were built in or before 1983. About 43% of homes predate 1980, so electrical, plumbing, and roof upgrades are worth documenting for a quote.
In FEMA’s National Risk Index, Campbell County rates above the low end for tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”).
ACS 2020–2024 estimates put about 1,042 housing units in Caryville, and owners occupy about 64% of the occupied homes. Of all units, 67% are detached single-family houses and 30% are mobile homes.
From 2000 on, Campbell County has been part of 12 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
For heat, Caryville households mostly rely on electricity (53%) and utility gas (46%).
Named places the USGS records in and around Caryville include Cove Lake Estates, Jacksboro, and High Point. Older and newer sections can quote differently because of construction era and roof condition.
Census counts put Caryville at 2,243 residents in 2000 and 2,297 in 2010, and the Census Bureau’s July 2024 estimate is 2,207. Numbers have held fairly steady since 2000.
Earlier hail records help too: SPC data show 13 hail reports within 5 miles of Caryville between 1955 and 2015, topped by hail of 1.25 inches on April 29, 2003. The NOAA Storm Prediction Center database shows 1 tornado that began within 10 miles of Caryville from 1950 through 2015, rated F2, on November 10, 2002.
Comparing homes in nearby towns? We also have home insurance pages for Jacksboro (2 mi), La Follette (6 mi), and Rocky Top (6 mi).
Where we write coverage around Caryville
37714 · 37757
Other Tennessee coverage resources
Price homeowners coverage in Caryville, TN
In Caryville, Freedom Insurance Group shops 25+ carriers. Phone (800) 253-1482 or begin a free home quote online.
