Use Freedom Insurance Group to compare homeowners insurance quotes for Crump, TN. We compare 25+ carriers and help you match coverage to the home and vehicles you actually own.
Average homeowners insurance cost in Crump, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$144,400) | $1,646 | $1,037 |
| $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 Crump, TN is about $1,646 annually for a typical local home (typical local home value about $144,400). 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 $1,037 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 Crump dwelling curve (typical local home value about $144,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Crump, TN, using a typical local home value of about $144,400. 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 Crump, TN stand out
Around 1,400 people live in Crump in Hardin County.
In a smaller Tennessee community such as Crump, what matters for insurance is local construction, access to fire protection, and regional storm patterns rather than tourism headlines.
Local housing is a mix of single-family homes typical of the Hardin County area, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Tennessee home premiums often reflect tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
What affects home insurance premiums in Crump
Several factors shape the price for Crump homeowners, and carriers review them together before quoting. Expect rebuild cost, roof age and material, and storm and wildfire exposure to drive most of the price. The deductible you pick and your claims record can also shift the final price about as much as choosing one carrier over another.
Putting the house back with similar materials at current labor and material costs is what replacement cost captures. When a Crump home has a higher rebuild estimate, the price tends to climb, because the insurer’s exposure grows.
Construction type and roof details matter as well: insurers ask whether walls are frame or masonry, the roof covering, and the overall build quality, since those details decide how it fares in the wind, hail, and fire seen across Tennessee.
Location risk rolls up storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Crump, so two homes with similar rebuild costs can still get different prices.
Fire protection matters as well: a nearby hydrant, a short drive to the fire station, and a good protection class rating can all help the premium.
Claims history stays a major rating input: recent claims on the property or household tend to raise rates for Crump renewals and new business quotes as well.
Where state rules allow it, insurers may apply a credit-based insurance score, and a stronger score generally leads to a lower premium.
Discounts for Crump, 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. Read “up to” as the top end, not a promise.
The six parts of a home policy
- Dwelling (Coverage A): Following a covered loss, this coverage covers rebuilding the structure; keep it in line with today’s local rebuild costs.
- Coverage B, other structures: This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to 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.
- Coverage D, loss of use: It can help pay additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Coverage E, personal liability: Coverage for times when the law holds you responsible for injuries to others or damage to their property arising from a covered event.
- Medical payments (F): This coverage can help with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Crump, TN bundling home and auto
The figures below illustrate average bundle savings, not a promise. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Crump, Tennessee | $216 | $480 | $634 |
Local housing and storm data: Crump
Tornado history matters here as well: NOAA recorded 4 tornadoes starting within 10 miles of Crump in 2016–2025, the strongest rated EF3 during March 2023.
From 2000 on, Hardin County has appeared in 16 major disaster declarations; the latest is Severe Winter Storm (February 2026).
FEMA’s National Risk Index flags tornado (“Relatively Moderate”) and strong-wind (“Relatively High”) in Hardin County.
Home heating in Crump runs mainly on electricity (63%), utility gas (21%), and propane or other bottled gas (13%). Propane tanks and wood stoves are items underwriters ask about, since some carriers price or inspect them.
Crump’s median year built is 1979. About 52% of homes were built before 1980, so electrical, plumbing, and roof upgrades can change eligibility and price.
NOAA storm records show 7 hail reports within about 5 miles of Crump from 2016 through 2025, 5 of them one inch or larger. The biggest measured 1 inch in March 2017 near Adamsville.
The USGS GNIS lists these named communities and subdivisions in and around Crump: River Heights and New Hope. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
The Census Bureau’s 2020–2024 American Community Survey counts about 617 housing units in Crump, and owner-occupants live in close to 81% of the occupied homes. Of all units, 76% are detached single-family houses and 19% are mobile homes.
The Census Bureau counted 1,521 people in Crump at the 2000 Census and 1,428 at the 2010 Census; its July 2024 estimate is 933. That is roughly 39% fewer residents than in 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 22 hail reports within 5 miles of Crump between 1955 and 2015, the largest 1.75 inches on April 21, 1984. Federal tornado records from NOAA’s Storm Prediction Center list 8 tornadoes that began within 10 miles of Crump from 1950 through 2015, the strongest an EF4 on February 5, 2008. That tornado’s record lists 3 deaths and 5 injuries.
Looking at neighboring communities? We also have home insurance pages for Adamsville (3 mi), Savannah (5 mi), and Olivet (8 mi).
Crump-area ZIP codes we insure
38310 · 38327
Browse Tennessee insurance resources
Crump, TN home insurance quotes
Crump homeowners get quotes from 25+ carriers through Freedom Insurance Group. Ready when you are: request a home quote online or dial (800) 253-1482.
