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Coopertown, TN: what is distinctive here
Coopertown has roughly 4,401 residents in Tennessee.
Coopertown sits in Tennessee, where routine insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of Tennessee, and replacement cost, roof age, and construction type still account for most premium differences from street to street.
Tennessee home premiums often reflects tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Average cost of homeowners insurance in Coopertown
The typical homeowners insurance premium in Coopertown, TN is about $2,360 annually for a typical local home (typical local home value about $380,700). 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 36% lower — near $1,510 per year for a typical home, roughly $1,363 for a $300,000 home, about $1,918 for a $600,000 home, and around $2,496 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 Coopertown dwelling curve (typical local home value about $380,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Coopertown, TN, using a typical local home value of about $380,700. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How a homeowners policy is built
- Coverage A, dwelling: Money to rebuild the structure after a covered loss. Set it to follow local rebuilding prices.
- Other structures (B): Detached garages, sheds, fences, and similar buildings not attached to the home are protected by this part.
- Personal property (C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): Temporary housing and related costs during repairs after a covered claim leaves it uninhabitable.
- Coverage E, personal liability: It pays when you are legally on the hook for another person’s injury or property damage from a covered incident.
- Medical payments (F): Medical costs for a guest hurt at your home, often paid without any formal claim.
Home insurance discounts in Coopertown, 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% |
Discounts are not uniform across carriers, and the amounts vary. “Up to” marks the top of the range, not a guarantee.
How Coopertown home insurance quotes differ
Underwriters put together a Coopertown home quote from several interlocking factors. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Replacement cost comes down to a simple question: how much would it take to rebuild this home today, with similar materials, at today’s prices for labor and materials? Bigger rebuild figures for Coopertown properties generally raise premiums because the carrier’s maximum payout rises with that figure.
Construction type and roof details play a role too: frame versus masonry walls, roofing material, and overall build quality all affect how a property performs in wind, hail, and fire scenarios that are common across Tennessee.
Location risk rolls up storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Coopertown, so two homes with similar rebuild costs might still quote differently.
Underwriters grade fire protection by the local protection class and hydrant and station distance; good protection tends to mean a better rate.
Insurers look at claims history on every quote; a recent loss on the property or household tend to push the price up whether the Coopertown policy is new or renewing.
Some carriers factor in a credit-based insurance score when state rules permit; the stronger the score, the lower the premium tends to be.
Housing and weather facts for Coopertown
Coopertown’s median year built is 1997. The stock is mixed: 17% predate 1980 and 13% were built in 2010 or later.
Since 2000, Robertson County has been part of 7 major disaster declarations; the latest was Severe Winter Storm (February 2026).
Tornado history matters here as well: NOAA logged 5 tornadoes touching down within 10 miles of Coopertown in 2016–2025, the most intense an EF2 during December 2023.
The NOAA Storm Events Database logged 19 hail reports within about 7 miles of Coopertown from 2016 through 2025, 16 of them one inch or larger. The biggest measured 2.75 inches in April 2025 around Ashland City.
Occupied homes in Coopertown are heated mostly with electricity (53%), utility gas (42%), and propane or other bottled gas (4.5%). Propane tanks and wood stoves are worth mentioning on an application, because carriers treat them differently.
ACS 2020–2024 estimates put about 1,753 housing units in Coopertown, and owner-occupants live in about 90% of the occupied homes. Of all units, 88% are detached single-family houses and 12% are mobile homes.
FEMA’s National Risk Index flags tornado (“Relatively Moderate”) and strong-wind (“Relatively Moderate”) in Robertson County.
Named communities and subdivisions in USGS place-name records near Coopertown include Glover Crossroad, Chestnut Grove, and Sandy Springs. Each area can price differently based on build era, roof, and fire protection.
Coopertown was incorporated in 1996. Census counts put Coopertown at 3,027 residents in 2000 and 4,278 in 2010, and the Census Bureau’s July 2024 estimate is 4,781. That works out to about 58% more residents than in 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 21 hail reports within 5 miles of Coopertown between 1955 and 2015; the biggest stones, 1.75 inches, fell on February 27, 1996. The NOAA Storm Prediction Center database shows 16 tornadoes that began within 10 miles of Coopertown from 1950 through 2015; the most powerful, rated F4, touched down on April 27, 1970. NOAA ties that tornado to 3 deaths and 85 injuries.
Comparing homes in nearby towns? Nearby home insurance pages: Pleasant View (5 mi), Springfield (8 mi), and Greenbrier (10 mi).
ZIP codes we serve in and around Coopertown
37073 · 37146 · 37172
Coopertown, TN bundling home and auto
Illustrative average bundling savings, not guaranteed. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Coopertown, Tennessee | $314 | $556 | $720 |
Keep exploring Tennessee coverage guides
Shop homeowners coverage for Coopertown, TN
Freedom Insurance Group checks 25+ carriers for Coopertown households. Start a free home quote online or call (800) 253-1482.
