Independent agents comparing homeowners quotes from 25+ carriers for Englewood residents.
Typical homeowners costs in Englewood
The typical homeowners insurance premium in Englewood, TN is about $1,562 annually for a typical local home (typical local home value about $101,400). 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 40% lower — near $937 per year for a typical home, roughly $1,278 for a $300,000 home, about $1,798 for a $600,000 home, and around $2,340 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 Englewood dwelling curve (typical local home value about $101,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Englewood, TN, using a typical local home value of about $101,400. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Englewood, TN different
Englewood is home to around 1,611 residents and sits in Mcminn County.
In a smaller Tennessee community such as Englewood, insurance comes down to local construction, fire protection access, and regional storm patterns rather than tourism headlines.
Homes are mostly single-family houses typical of the Mcminn County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
Pricing in Tennessee often reflect tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Homeowners policy coverages, A through F
It pays to rebuild your home’s structure after a covered loss, and it should match what rebuilding costs locally right now.
Detached garages, sheds, fences, and similar buildings that stand apart from the house are protected by this part.
This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
When repairs after a covered claim make the house unlivable, this helps pay additional living expenses.
This coverage responds when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
This helps with guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Savings opportunities for Englewood, 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 decides which discounts it offers and how large they are. Read “up to” as the maximum, not a guarantee.
How Englewood home insurance premiums differ
Multiple interlocking factors go into the price for Englewood homeowners, and carriers look at all of them before quoting. Look for 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 price as much as choosing one carrier over another.
Rebuilding the home with similar materials at current labor and material costs is what replacement cost captures. A bigger rebuild figure on an Englewood home, the price tends to climb, since the carrier could owe more.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality all affect how a property holds up in wind, hail, and fire scenarios common across Tennessee.
Location risk is why neighbors can pay different amounts: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood across Englewood.
A better fire protection score built on the protection class and nearby hydrants and stations often makes pricing more competitive.
Claims history stays a major rating input: recent claims on the property or household often increase rates for Englewood renewals and new business quotes too.
Credit-based insurance score is a lever too where rules allow: carriers that use it generally offer lower premiums when scores are higher.
Bundling home and auto in Englewood, TN
The figures below are illustrated averages for bundling, not a promise. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Englewood, Tennessee | $316 | $434 | $664 |
Englewood homes by the numbers
Home heating in Englewood runs mainly on electricity (67%), utility gas (29%), and propane or other bottled gas (3.3%). Wood stoves and propane tanks should be disclosed when you apply, because some carriers price or inspect them.
The USGS GNIS lists these named communities and subdivisions in and around Englewood: Old Englewood and Nonaburg. Each area can price differently because of construction era and roof condition.
NOAA lists no hail reports plotted within about 5 miles of Englewood for 2016–2025, but McMinn County recorded 6 hail reports countywide, with the largest at 1.75 inches.
Half of Englewood’s homes were built in or before 1968. Roughly 67% of homes predate 1980, so wiring, plumbing, and roof updates can change eligibility and price.
In FEMA’s National Risk Index, McMinn County rates above the low end for tornado (“Relatively Moderate”) and strong-wind (“Relatively Moderate”).
On tornadoes, NOAA logged 2 tornadoes starting within 10 miles of Englewood in 2016–2025, with the strongest at EF2 during November 2016.
Since 2000, McMinn County has been part of 7 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
The Census Bureau’s 2020–2024 American Community Survey counts about 820 housing units in Englewood, and owners occupy about 66% of the occupied homes. Looking at building types, 72% are detached single-family houses, 12% are in buildings with two or more units, and 16% are mobile homes.
Local history records show Englewood was incorporated in 1919. The town is named for Inglewood Forest. The Census Bureau counted 1,590 people in Englewood at the 2000 Census and 1,532 at the 2010 Census; its July 2024 estimate is 1,590. The population has stayed fairly steady since 2000.
Earlier hail records help too: SPC data show 12 hail reports within 5 miles of Englewood between 1955 and 2015; the biggest stones, 2 inches, fell on August 7, 1962. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 18 tornadoes that began within 10 miles of Englewood from 1950 through 2015, the strongest an F3 on February 21, 1993. Along its full path, that storm was blamed for 17 injuries.
Comparing homes in nearby towns? See our home insurance pages for Etowah (6 mi), Athens (7 mi), and Madisonville (10 mi).
Englewood-area ZIP codes we insure
38260 · 37329
Keep exploring Tennessee insurance resources
Englewood, TN home insurance quotes
Englewood residents get quotes from 25+ carriers with Freedom Insurance Group. Call (800) 253-1482 or start a free home quote online.
