Compare homeowners insurance quotes in Eagleton Village, TN with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
What home insurance costs in Eagleton Village, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$169,700) | $1,695 | $1,034 |
| $300,000 dwelling | $2,130 | $1,299 |
| $600,000 dwelling | $2,997 | $1,828 |
| $1,000,000 dwelling | $3,900 | $2,379 |
The typical homeowners insurance premium in Eagleton Village, TN is about $1,695 annually for a typical local home (typical local home value about $169,700). 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 39% lower — near $1,034 per year for a typical home, roughly $1,299 for a $300,000 home, about $1,828 for a $600,000 home, and around $2,379 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 Eagleton Village dwelling curve (typical local home value about $169,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Eagleton Village, TN, using a typical local home value of about $169,700. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Eagleton Village, TN stand out
Roughly 5,052 people live in Eagleton Village in Tennessee.
Eagleton Village lies within Tennessee, and there everyday insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses like those across Tennessee; replacement cost, roof age, and construction type still explain most premium differences block by block.
Pricing in Tennessee often build in tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
Why Eagleton Village home insurance prices vary
A homeowners quote in Eagleton Village rests on a handful of interlocking factors that carriers check as a group. Expect rebuild cost, the roof’s age and type, and local storm or wildfire exposure to move the number most. Deductible choice and claims history can also shift the final premium about as much as choosing one carrier over another.
Putting the house back in comparable materials at current labor and material costs is what replacement cost means. In Eagleton Village, a larger rebuild estimate, the price tends to climb, because the insurer’s exposure grows.
Construction type and roof details round out the list: carriers want to know frame versus masonry construction, the roof covering, and the overall build quality, because these factors decide how it fares in wind, hail, and fire events common across Tennessee.
Similar Eagleton Village houses with similar rebuild costs might not cost the same due to location risk: storm, hail, wildfire, and crime scores that shift by ZIP code and neighborhood.
Insurers rate fire protection using the local protection class and the distance to hydrants and stations; a stronger profile often brings a better rate.
Recent claims tied to the home or the household can push up rates on Eagleton Village renewals and new quotes alike, since claims history is a big rating factor.
Many insurers factor in a credit-based insurance score when state rules permit; the stronger the score, the lower the premium tends to be.
Discounts for Eagleton Village, 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 company sets which discounts it offers and how large they are. Treat “up to” as the ceiling, not a guarantee.
Coverage basics for homeowners
- Coverage A, dwelling: The limit that rebuilds the house after a covered loss. Set it to follow reconstruction costs in your area.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like not attached to the home fall here.
- Personal property (Coverage C): Furniture, clothing, and the other things you own in the home are protected, but some higher-value categories carry special sublimits.
- Loss of use (D): While a covered loss keeps you out of the home, this coverage helps with added costs like a rental or hotel.
- Personal liability (E): It pays when the law holds you responsible for another person’s injury or property damage from a covered incident.
- Medical payments (F): Medical bills for guests injured on your property, frequently covered without a formal liability claim.
Home-and-auto bundles in Eagleton Village, TN
These show average bundling savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Eagleton Village, Tennessee | $290 | $510 | $732 |
Areas of Eagleton Village
- Meadowbrook
- Bittle Heights
- Westfields
- Everett Heights
- Sevier Heights
- Belmont Addition
- Grandview Heights
- Oakhurst
Eagleton Village housing stock and storm history
Eagleton Village’s median year built is 1960. About 74% of homes predate 1980, which means system and roof updates can change eligibility and price.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Blount County.
Occupied homes in Eagleton Village are heated mostly with electricity (49%) and utility gas (49%).
The NOAA Storm Events Database logged 7 hail reports within about 5 miles of Eagleton Village from 2016 through 2025; 7 were one inch or bigger. The biggest measured 1 inch in March 2018 near Alcoa.
From 2000 on, Blount County has been part of 8 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
Census survey estimates (ACS 2020–2024) show about 2,570 housing units in Eagleton Village, and owners occupy about 73% of the occupied homes. Looking at building types, 93% are detached single-family houses.
Tornado history matters here as well: NOAA logged 2 tornadoes touching down within 10 miles of Eagleton Village in 2016–2025, with the strongest at EF0 in June 2019.
Named places the USGS records in and around Eagleton Village include Meadowbrook, Bittle Heights, Jackson Hills, Springfield, Westfields, and Asbury Estates. Each area can price differently because of roof age, construction, and fire-station distance.
Going further back, NOAA’s Storm Prediction Center counts 45 hail reports within 5 miles of Eagleton Village between 1955 and 2015, topped by hail of 2 inches on April 24, 1958. Reports of 2-inch or bigger hail number 3 in that span. The NOAA Storm Prediction Center database shows 9 tornadoes that began within 10 miles of Eagleton Village from 1950 through 2015; the strongest was an F2 on April 15, 1965.
Comparing homes in nearby towns? We also have home insurance pages for Alcoa (3 mi), Rockford (3 mi), and Maryville (4 mi).
Where we write coverage around Eagleton Village
37804
More Tennessee coverage guides
Price homeowners coverage for Eagleton Village, TN
Eagleton Village residents get quotes from 25+ carriers through Freedom Insurance Group. Phone (800) 253-1482 or begin a free home quote online.
