Compare homeowners insurance quotes in Centerville, TN with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Centerville, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$205,100) | $1,764 | $1,111 |
| $300,000 dwelling | $2,130 | $1,342 |
| $600,000 dwelling | $2,997 | $1,888 |
| $1,000,000 dwelling | $3,900 | $2,457 |
The typical homeowners insurance premium in Centerville, TN is about $1,764 annually for a typical local home (typical local home value about $205,100). 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 37% lower — near $1,111 per year for a typical home, roughly $1,342 for a $300,000 home, about $1,888 for a $600,000 home, and around $2,457 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 Centerville dwelling curve (typical local home value about $205,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Centerville, TN, using a typical local home value of about $205,100. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Centerville, TN different
Centerville counts roughly 3,584 residents and sits in Hickman County.
Centerville sits in the Hickman County area, and there day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Hickman County area, and replacement cost, roof age, and construction type still account for most premium differences block by block.
Pricing in Tennessee often build in tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Why Centerville home insurance prices vary
A Centerville home insurance price is built from several interlocking factors that underwriters review as a group. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s labor and material prices. The maximum payout moves with the rebuild estimate, which is why larger Centerville rebuild numbers tend to mean higher premiums.
Construction type and roof details count as well: frame versus masonry walls, the roof covering, and overall build quality shape how a property performs in wind, hail, and fire that are common across Tennessee.
Scores for storms, hail, wildfire, and crime feed into location risk, and they can shift from one Centerville ZIP code or neighborhood to the next, meaning homes with similar rebuild costs may still price differently.
Fire protection plays in as well: a hydrant close by, a short drive to the fire station, and the local protection class may all help the premium.
Claims history carries real weight: in Centerville, a recent claim on the home or household tend to increase pricing on both renewals and fresh quotes.
Certain companies weigh a credit-based insurance score where permitted; higher scores generally bring lower prices.
Homeowners discounts in Centerville, 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 its own discount menu and sizes. “Up to” marks the top of the range, not a promise.
Homeowners coverage basics
- Coverage A, dwelling: When a covered loss hits, this limit covers rebuilding the house itself; keep it in line with today’s local rebuild costs.
- Other structures (B): This part protects detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (Coverage D): When repairs after a covered claim make the house unlivable, this coverage helps with added costs like a rental or hotel.
- Coverage E, personal liability: Should you be held legally responsible for injuring another person or damaging their things after a covered incident, this part responds.
- Coverage F, medical payments: When a guest gets hurt on your property, it helps with their medical bills, usually without a liability claim being filed.
Centerville, TN home & auto bundle savings
Illustrated average bundle savings, not guaranteed. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Centerville, Tennessee | $160 | $240 | $340 |
Centerville homes by the numbers
Since 2000, Hickman County has appeared in 15 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
Tornado history matters here as well: NOAA lists 2 tornadoes touching down within 10 miles of Centerville in 2016–2025, the most intense an EF1 in June 2018.
The median home in Centerville was built in 1974. About 62% of homes predate 1980, so electrical, plumbing, and roof upgrades often come up in underwriting.
ACS 2020–2024 estimates put about 1,533 housing units in Centerville, and homeowners occupy about 68% of the occupied homes. Looking at building types, 79% are detached single-family houses, 13% are in buildings with two or more units, and 7.7% are mobile homes.
The NOAA Storm Events Database logged 5 hail reports within about 5 miles of Centerville from 2016 through 2025 (5 at one inch or more). The largest measured 2 inches in May 2025.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”) in Hickman County.
For heat, Centerville households mostly rely on electricity (53%) and utility gas (45%).
The Census Bureau counted 3,793 people in Centerville at the 2000 Census and 3,644 at the 2010 Census; its July 2024 estimate is 3,561. Numbers have held fairly steady since 2000.
Going further back, NOAA’s Storm Prediction Center counts 30 hail reports within 5 miles of Centerville between 1955 and 2015, topped by hail of 3 inches on April 7, 2006. 2 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 7 tornadoes that began within 10 miles of Centerville from 1950 through 2015, the strongest an F2 on March 22, 1952. That tornado’s record lists 3 deaths and 10 injuries.
Shopping around the area? Nearby home insurance pages: Bon Aqua Junction (10 mi), Dickson (17 mi), and Burns (17 mi).
ZIP codes we serve in and around Centerville
37033
Other Tennessee coverage pages
Request home insurance quotes for Centerville, TN
Freedom Insurance Group compares 25+ carriers for Centerville residents. Phone (800) 253-1482 or start a free home quote online.
