Homeowners quotes from 25+ companies, side by side, in Farragut, TN, from Freedom Insurance Group.
Farragut, TN: the local picture
Farragut is home to around 21,919 residents, part of Knoxville area.
Farragut is part of Knoxville area, where day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Knoxville area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Tennessee home premiums often reflect tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Homeowners pricing in Farragut, TN
The typical homeowners insurance premium in Farragut, TN is about $2,672 annually for a typical local home (typical local home value about $513,100). For a $300,000 dwelling, expect around $2,059 per year; for a $600,000 home about $2,897; and for a $1,000,000 dwelling about $3,770. Freedom Insurance Group rates are often about 37% lower — near $1,683 per year for a typical home, roughly $1,297 for a $300,000 home, about $1,825 for a $600,000 home, and around $2,375 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,601 |
| $200,000 – $300,000 | $1,789 |
| $300,000 – $400,000 | $2,197 |
| $400,000 – $500,000 | $2,487 |
| $500,000 – $600,000 | $2,768 |
| $600,000 – $700,000 | $2,988 |
| $700,000 – $800,000 | $3,171 |
| $800,000 – $900,000 | $3,410 |
| $900,000 – $1,000,000 | $3,650 |
Band premiums are midpoints on the Farragut dwelling curve (typical local home value about $513,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Farragut, TN, using a typical local home value of about $513,100. 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.
Homeowners policy coverages, A through F
- Dwelling (Coverage A): Following a covered loss, this coverage covers rebuilding the structure; make sure it tracks what rebuilding costs in your area today.
- Coverage B, other structures: This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Coverage C, personal property: Furniture, clothing, and the other things you own inside the house are covered here, but special limits can cap higher-value categories.
- Coverage D, loss of use: When repairs after a covered claim make the house unlivable, this coverage helps with additional living expenses.
- Personal liability (E): This coverage responds when you are legally responsible for harm to other people or their property arising from a covered incident.
- Medical payments (Coverage F): If a visitor is injured at your home, it helps with their medical bills, frequently with no formal liability claim.
Savings opportunities for Farragut, 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% |
Every insurer chooses which discounts it offers and how large they are. “Up to” is the high end, not a promise.
Why Farragut home insurance quotes differ
A handful of connected factors go into the price for Farragut homeowners, and underwriters review them together before quoting. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Rebuilding your house with similar materials at current labor and material costs is what replacement cost captures. What the insurer might pay follows the rebuild estimate, so higher figures for Farragut properties generally mean a higher price.
Whether walls are frame or masonry, the roofing material, and how well the house is built all influence how the home holds up in the wind, hail, and fire common across Tennessee, so construction type and roof details matter too.
Location risk explains why similar homes can price differently: insurers grade storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood in Farragut.
Carriers score fire protection using protection class plus the distance to hydrants and stations; better protection tends to mean a better rate.
Claims history stays a major rating input: recent claims on the property or household tend to raise rates for Farragut renewals and new business quotes alike.
In states that allow it, insurers may apply a credit-based insurance score, and a higher score tends to bring lower premiums.
Bundling home and auto in Farragut, TN
Illustrated average bundle savings, not guaranteed. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Farragut, Tennessee | $300 | $420 | $672 |
Neighborhoods in Farragut
- Baldwin Park
- Country Manor
- Linda Heights
- Village Green
- Shiloh
- Fox Den Village
- Sugarwood
- Farragut Crossing
- Shadowfax
- Altamira
- St. Charles Place
- Belle-Aire
- Country Villa
- Brookmere
- Derby Chase
- Holly Oaks
- Woodchase
- Chapel Grove
- Ramsgate
- Kings Gate
Housing and weather facts for Farragut
Tornadoes are part of the picture too: NOAA logged 2 tornadoes touching down within 10 miles of Farragut in 2016–2025, the most intense an EF2 during August 2023.
Census survey estimates (ACS 2020–2024) show about 9,261 housing units in Farragut, and homeowners occupy roughly 85% of the occupied homes. Looking at building types, 88% are detached single-family houses and 7.3% are in buildings with two or more units.
In FEMA’s National Risk Index, Knox County rates above the low end for tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”).
Half of Farragut’s homes were built in or before 1992. Ages are mixed: 29% predate 1980 and 17% were built in 2010 or later.
For heat, Farragut households mostly rely on utility gas (67%) and electricity (32%).
NOAA storm records show 13 hail reports within about 6 miles of Farragut from 2016 through 2025 (12 at one inch or more). The largest measured 2 inches in March 2017.
Named places the USGS records in and around Farragut include Village Green, Belle-Aire, Fox Den, Woodchase, Kingsgate, and Hickory Woods. Each area can price differently because of roof age, construction, and fire-station distance.
From 2000 on, Knox County has appeared in 11 major disaster declarations; the latest was Severe Winter Storm (February 2026).
Farragut traces its official start to 1787. Farragut’s population went from 17,720 at the 2000 Census to 20,676 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 25,242. Growth since 2000 comes to roughly 42%.
Going further back, the Storm Prediction Center lists 18 hail reports within 5 miles of Farragut between 1955 and 2015, the largest 1.75 inches on March 31, 1993. The NOAA Storm Prediction Center database shows 7 tornadoes that began within 10 miles of Farragut from 1950 through 2015; the strongest was an F2 on April 15, 1965.
Shopping around the area? See our home insurance pages for Lenoir (7 mi), Louisville (8 mi), and Friendsville (9 mi).
ZIP codes we cover near Farragut
37934 · 37932 · 37933
