What follows: Kimball homeowners coverage basics, the local context, cost drivers, and how to compare quotes without guessing.
What makes Kimball, TN different
Kimball counts roughly 1,401 residents within Tennessee.
Kimball does not have big-city tourism headlines, so for insurance the focus is local construction, fire protection access, and regional storm patterns.
The housing stock is a mix of single-family homes typical of Tennessee, and replacement cost, roof age, and construction type still explain most premium differences from street to street.
Tennessee home premiums often reflects tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
What households pay for home insurance in Kimball
The typical homeowners insurance premium in Kimball, TN is about $1,676 annually for a typical local home (typical local home value about $160,000). 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 $972 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 Kimball dwelling curve (typical local home value about $160,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Kimball, TN, using a typical local home value of about $160,000. 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.
What moves home insurance rates in Kimball
Multiple interlocking factors go into what Kimball homeowners pay, and carriers look at all of them 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 swing the final premium as much as the carrier brand itself.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s prices for labor and supplies. The carrier’s exposure follows the rebuild estimate, so larger Kimball rebuild numbers tend to mean bigger premiums.
Whether walls are frame or masonry, what the roof is made of, and general construction quality all shape how the home holds up in the wind, hail, and fire common across Tennessee, which is why construction type and roof details count.
Storm, hail, wildfire, and crime scores drive location risk, which can change from one Kimball ZIP code or neighborhood to the next, meaning houses with comparable rebuild costs may still price differently.
A strong fire protection rating that reflects the protection class and nearby hydrants and stations can make a quote more competitive.
A recent claim tied to the home or the household may lift premiums for Kimball renewals as well as new policies, because claims history remains a major rating input.
Credit-based insurance score also plays a role in states that allow it: companies that apply it generally offer lower premiums to applicants with better scores.
How a homeowners policy is built
- Dwelling (A): When a covered loss hits, this limit rebuilds the house itself; keep it in line with today’s local rebuild costs.
- Other structures (Coverage B): A detached garage, a shed, a fence, or similar buildings not attached to the home are protected by this part.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Valuables like jewelry often carry sublimits.
- Coverage D, loss of use: This helps with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Coverage E, personal liability: Coverage for times when you are legally on the hook for another person’s injury or property damage arising from a covered event.
- Medical payments (F): For guests injured on your property, it helps with their medical bills, often without a formal liability claim.
Discounts for Kimball, 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% |
Carriers do not all offer the same discounts, and sizes vary. “Up to” shows the maximum, not a guaranteed amount.
Local housing and storm data: Kimball
Since 2000, Marion County has appeared in 11 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
Census survey estimates (ACS 2020–2024) show about 781 housing units in Kimball, and owner-occupants live in roughly 71% of the occupied homes. Looking at building types, 82% are detached single-family houses and 14% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Marion County.
Occupied homes in Kimball are heated mostly with electricity (54%) and utility gas (40%).
Kimball’s median year built is 1986. Roughly 45% of homes predate 1980, so wiring, plumbing, and roof updates often come up in underwriting.
The NOAA Storm Events Database logged 8 hail reports within about 5 miles of Kimball from 2016 through 2025 (8 at one inch or more). Top size was 1.75 inches in April 2025 near South Pittsburg.
The USGS GNIS lists these named communities and subdivisions in and around Kimball: Dixie Lee and Glover Hill. Each area can price differently because of construction era and roof condition.
Kimball dates its official start to 1890. Kimball’s population went from 1,312 at the 2000 Census to 1,395 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 1,638. Growth since 2000 comes to roughly 25%.
Going further back, NOAA’s Storm Prediction Center counts 34 hail reports within 5 miles of Kimball between 1955 and 2015, the largest 2.75 inches on April 27, 2011. 2 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 16 tornadoes that began within 10 miles of Kimball from 1950 through 2015; the strongest was an EF2 on November 14, 2007.
Comparing homes in nearby towns? Nearby home insurance pages: New Hope (3 mi), Jasper (3 mi), and South Pittsburg (4 mi).
Kimball-area ZIP codes we insure
37347
Kimball, TN home & auto bundle savings
Illustrated average bundle savings, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Kimball, Tennessee | $280 | $500 | $620 |
Saving on home insurance in Kimball
- Get quotes from several carriers, since risk appetite differs.
- Bundle home and auto when it actually lowers the package price.
- Raise deductibles only if you can afford the out-of-pocket hit.
- Ask about roof, alarm, and claims-free credits that fit your home.
See more Tennessee insurance resources
Kimball, TN homeowners quotes
Freedom Insurance Group compares 25+ carriers for Kimball residents. Call (800) 253-1482 or begin a free home quote online.
