Freedom Insurance Group works with Jackson, TN with side-by-side homeowners quotes from 25+ companies.
About Jackson, TN
Jackson counts about 66,975 residents and sits in Madison County.
Jackson is located in the Madison County area, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses typical of the Madison County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Tennessee pricing often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Homeowners pricing in Jackson, TN
The typical homeowners insurance premium in Jackson, TN is about $1,725 annually for a typical local home (typical local home value about $185,000). 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 35% lower — near $1,121 per year for a typical home, roughly $1,384 for a $300,000 home, about $1,948 for a $600,000 home, and around $2,535 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 Jackson dwelling curve (typical local home value about $185,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Jackson, TN, using a typical local home value of about $185,000. Freedom figures apply an approximate 35% 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
- Coverage A, dwelling: This limit pays to rebuild the house itself after a covered loss, and it should track what rebuilding costs locally right now.
- Other structures (B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Personal property (Coverage C): Protects what is inside the house: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Loss of use (D): This helps with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): Coverage for times when you are legally responsible for another person’s injury or property damage from a covered incident.
- Coverage F, medical payments: Medical bills for guests injured on your property, usually handled without a formal liability claim.
Homeowners discounts in Jackson, 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% |
Each carrier sets which discounts it offers and how large they are. “Up to” is the high end, not a promise.
What affects home insurance prices in Jackson
Jackson homeowners are priced on several related factors that underwriters check when they build a quote. The deductible you choose and your claims history can change the final price as much as the choice of carrier, while rebuild cost, roof age and material, and storm or wildfire exposure usually move the number most.
Replacement cost comes down to a simple question: what would it cost to rebuild this home today, using comparable materials, at current labor and supply prices? The maximum payout tracks the rebuild estimate, so bigger estimates on Jackson homes generally mean bigger premiums.
Frame or masonry walls, the roof covering, and general construction quality all influence how the home holds up against Tennessee’s wind, hail, and fire events, so construction type and roof details count.
Location risk rolls up storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Jackson, so two homes with similar rebuild costs might still quote differently.
Carriers grade fire protection using protection class plus hydrant and station distance; better protection tends to mean a more competitive price.
Claims filed lately tied to the home or the household may lift premiums whether a Jackson policy is renewing or new, because claims history still weighs heavily.
Credit-based insurance score is a lever too in states that allow it: carriers that use it usually charge less when scores are higher.
Jackson, TN home and auto bundling
The amounts shown 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 |
|---|---|---|---|
| Jackson, Tennessee | $300 | $508 | $640 |
Jackson homes by the numbers
For heat, Jackson households mostly rely on electricity (50%) and utility gas (47%).
On tornadoes, NOAA recorded 4 tornadoes touching down within 10 miles of Jackson over 2016–2025, the strongest rated EF1 during March 2022.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively High”) and strong-wind (“Relatively High”) in Madison County.
The NOAA Storm Events Database logged 32 hail reports within about 8 miles of Jackson from 2016 through 2025 (26 at one inch or more). The biggest was 2.5 inches in March 2017 around Oakfield.
Named communities and subdivisions in USGS place-name records near Jackson include Hicksville, Westwood Gardens, Allenton Heights, Gilmore, Lawrence, and Westover. Each area can price differently based on build era, roof, and fire protection.
Half of Jackson’s homes were built in or before 1985. Roughly 43% of homes predate 1980, so wiring, plumbing, and roof updates often come up in underwriting.
Census survey estimates (ACS 2020–2024) show about 30,324 housing units in Jackson, and owners occupy close to 51% of the occupied homes. Of all units, 64% are detached single-family houses and 32% are in buildings with two or more units.
Since 2000, Madison County has appeared in 14 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
By the historical record, Jackson was founded in 1821 and incorporated in 1845. The town is named for Andrew Jackson. Census counts put Jackson at 59,643 residents in 2000 and 65,211 in 2010, and the Census Bureau’s July 2024 estimate is 69,303. That works out to about 16% more residents than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 54 hail reports within 5 miles of Jackson between 1955 and 2015, the largest 2.75 inches on November 15, 1989. 3 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 14 tornadoes that began within 10 miles of Jackson from 1950 through 2015; the strongest was an F4 on January 17, 1999. Along its full path, that storm was blamed for 6 deaths and 106 injuries.
Looking at neighboring communities? We also have home insurance pages for Three Way (8 mi), Medina (11 mi), and Humboldt (12 mi).
ZIP codes we cover near Jackson
38308 · 38301 · 38302 · 38303 · 38305 · 38314
