Independent agents comparing homeowners quotes from 25+ carriers for Jacksboro residents.
What home insurance costs in Jacksboro
The typical homeowners insurance premium in Jacksboro, TN is about $1,761 annually for a typical local home (typical local home value about $204,000). 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 42% lower — near $1,021 per year for a typical home, roughly $1,235 for a $300,000 home, about $1,738 for a $600,000 home, and around $2,262 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 Jacksboro dwelling curve (typical local home value about $204,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Jacksboro, TN, using a typical local home value of about $204,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
About Jacksboro, TN
Jacksboro is home to roughly 1,951 residents and sits in Campbell County.
For a smaller Tennessee place like Jacksboro, what matters for insurance is local construction, access to fire protection, and regional storm patterns rather than tourism headlines.
Local housing is largely single-family homes typical of the Campbell County area, but replacement cost, roof age, and construction type still explain most premium differences block by block.
Tennessee home premiums often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Coverage basics for homeowners
This is the limit that pays to rebuild the house itself after a covered loss, and it should keep pace with local rebuilding costs today.
Detached garages, sheds, fences, and similar buildings separate from the main house fall here.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
If a covered claim forces you out during repairs, it can cover additional living expenses.
Should you be held legally responsible for bodily injury or property damage to others from a covered event, this coverage steps in.
This coverage can help with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Ways to cut the premium in Jacksboro, 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% |
Carriers do not all offer the same discounts, and the amounts vary. “Up to” marks the top of the range, not a guarantee.
Why Jacksboro home insurance quotes differ
Underwriters price a Jacksboro homeowners quote from several connected factors that work together. Look for rebuild cost, roof age and material, and local storm or wildfire exposure to move the number most. Deductible choice and claims history may move the final premium as much as the carrier brand.
Replacement cost answers one question: how much would it take to rebuild this home today, with similar materials, at today’s prices for labor and materials? Because the carrier’s maximum payout grows with the rebuild estimate, higher estimates for Jacksboro homes tend to push up premiums.
Construction type and roof details play a role too: frame versus masonry walls, the roof covering, and overall build quality all affect how a property performs in wind, hail, and fire seen across Tennessee.
Homes in Jacksboro with similar rebuild costs can still price differently thanks to location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
Carriers rate fire protection by protection class plus the distance to hydrants and stations; good protection often brings a better rate.
Claims history remains a major rating input: recent claims on the property or household frequently raise rates for Jacksboro renewals and new business quotes too.
Credit-based insurance score, where permitted by state rules, is another input; better scores generally line up with lower premiums when the carrier relies on it.
Jacksboro, TN home & auto bundle savings
The figures below illustrate average bundle savings, not a quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Jacksboro, Tennessee | $300 | $508 | $640 |
Housing and weather facts for Jacksboro
Since 2000, Campbell County has appeared in 12 major disaster declarations; the latest is Severe Winter Storm (February 2026).
For heat, Jacksboro households mostly rely on electricity (56%) and utility gas (43%).
Half of Jacksboro’s homes were built in or before 1986. About 42% of homes were built before 1980, so wiring, plumbing, and roof updates are worth documenting for a quote.
The Census Bureau’s 2020–2024 American Community Survey counts about 1,250 housing units in Jacksboro, and homeowners occupy roughly 61% of the occupied homes. Looking at building types, 65% are detached single-family houses, 30% are in buildings with two or more units, and 4.2% are mobile homes.
The NOAA Storm Events Database logged 3 hail reports within about 5 miles of Jacksboro from 2016 through 2025, 3 of them one inch or larger. Top size measured 1.75 inches in June 2018 around Fordtown.
FEMA’s National Risk Index flags tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Campbell County.
By the historical record, Jacksboro was founded in 1806 and incorporated in 1967. The town is named for Andrew Jackson. Census counts put Jacksboro at 1,887 residents in 2000 and 2,020 in 2010, and the Census Bureau’s July 2024 estimate is 2,248. That works out to about 19% more residents than in 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 16 hail reports within 5 miles of Jacksboro between 1955 and 2015, the largest 1 inch on June 28, 1964. NOAA Storm Prediction Center records list 1 tornado that began within 10 miles of Jacksboro from 1950 through 2015, rated F2, on November 10, 2002.
Comparing homes in nearby towns? See our home insurance pages for Caryville (2 mi), La Follette (5 mi), and Rocky Top (8 mi).
ZIP codes we serve in and around Jacksboro
37757
Browse Tennessee coverage guides
Get home insurance quotes in Jacksboro, TN
Freedom Insurance Group shops 25+ carriers for Jacksboro homeowners. Ready when you are: begin a home quote on our site or dial (800) 253-1482.
