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Home insurance premiums in Colonial Heights, TN
| Scenario | Market estimate | FIG illustrated (42% less) |
|---|---|---|
| Typical Colonial Heights home (~$193,200) | $1,740/yr | $1,009/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 Colonial Heights, TN is about $1,740 annually for a typical local home (typical local home value about $193,200). 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 $1,009 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 Colonial Heights dwelling curve (typical local home value about $193,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Colonial Heights, TN, using a typical local home value of about $193,200. 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.
Premium drivers for homeowners in Colonial Heights
Colonial Heights homeowners are priced on several connected factors that underwriters check when they build a quote. The biggest movers are usually rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can swing the final premium as much as the carrier brand itself.
Rebuilding the home in comparable materials at current labor and material costs sets what replacement cost captures. What the insurer might pay follows the rebuild estimate, which is why larger Colonial Heights rebuild numbers tend to mean a higher price.
Construction type and roof details matter as well: underwriters check frame versus masonry construction, what covers the roof, and the overall build quality, since these factors shape performance in wind, hail, and fire events common across Tennessee.
Storm, hail, wildfire, and crime scores drive location risk, and they can shift from one Colonial Heights ZIP code or neighborhood to the next, meaning homes with similar rebuild costs can still get different prices.
Underwriters rate fire protection using protection class plus hydrant and station distance; good protection often brings lower pricing.
Recent claims on the house or by anyone in the household can raise premiums whether a Colonial Heights policy is renewing or new, because claims history still weighs heavily.
Credit-based insurance score also plays a role in states that allow it: carriers that use it generally offer lower premiums to applicants with better scores.
What makes Colonial Heights, TN different
About 6,934 people live in Colonial Heights within Tennessee.
Colonial Heights is part of Tennessee, and there everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties like those across Tennessee; rebuild cost, roof age, and construction still drive most premium differences from street to street.
Tennessee home premiums often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Savings opportunities for Colonial Heights, 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% |
Each carrier chooses its own discounts and amounts. “Up to” shows the maximum, not a guarantee.
Homeowners policy coverages, A through F
- Dwelling (Coverage A): Money to rebuild the structure after a covered loss. It should keep pace with local rebuilding prices.
- Other structures (B): Sheds, fences, detached garages, and the like separate from the main house fall here.
- Personal property (C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (D): If a covered claim forces you out during repairs, this helps pay the extra living costs.
- Coverage E, personal liability: This applies when you are legally responsible for injuring someone or damaging their property caused by a covered incident.
- Coverage F, medical payments: For guests injured on your property, this covers medical costs, usually without a liability claim being filed.
Colonial Heights, TN home and auto bundling
The figures below illustrate average bundle savings, not a promise. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Colonial Heights, Tennessee | $200 | $400 | $600 |
Neighborhoods in Colonial Heights
- Hemlock Park
- Chase Meadows
- Brairwood Acres
Housing and weather facts for Colonial Heights
Half of Colonial Heights’ homes were built in or before 1971. Roughly 66% of homes were built before 1980, which means wiring, plumbing, and roof updates are worth documenting for a quote.
Census survey estimates (ACS 2020–2024) show about 1,547 housing units in Colonial Heights, and owners occupy close to 85% of the occupied homes. Looking at building types, 91% are detached single-family houses and 6.0% are mobile homes.
The NOAA Storm Events Database logged 6 hail reports within about 5 miles of Colonial Heights from 2016 through 2025; 6 were one inch or bigger. The largest was 1.5 inches in May 2022 near Kincheloe Mill.
The USGS GNIS lists these named communities and subdivisions in and around Colonial Heights: Hemlock, Lake Crest, Hemlock Park, Blue Ridge Estates, Holston Hills, and Deerfield. Each area can price differently because of roof age, construction, and fire-station distance.
Since 2000, Sullivan County has been part of 4 major disaster declarations; the latest is Severe Winter Storm (February 2026).
Occupied homes in Colonial Heights are heated mostly with electricity (91%) and utility gas (6.5%).
In FEMA’s National Risk Index, Sullivan County rates above the low end for strong-wind (“Relatively High”).
Going further back, NOAA’s Storm Prediction Center counts 15 hail reports within 5 miles of Colonial Heights between 1955 and 2015; the biggest stones, 2.75 inches, fell on July 27, 2014. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 6 tornadoes that began within 10 miles of Colonial Heights from 1950 through 2015, the strongest an F1 on October 1, 1977. That tornado’s record lists 10 injuries.
Comparing homes in nearby towns? See our home insurance pages for Kingsport (3 mi), Spurgeon (4 mi), and Gray (5 mi).
ZIP codes we serve in and around Colonial Heights
37663
Browse Tennessee insurance resources
Get home insurance quotes in Colonial Heights, TN
For Colonial Heights residents, Freedom Insurance Group shops 25+ carriers. Phone (800) 253-1482 or start a free home quote online.
