Compare more wisely in Kingsport with an independent agency that compares carriers and explains the tradeoffs before you buy.
Kingsport, TN: what is distinctive here
Roughly 53,014 people live in Kingsport in Sullivan County.
Kingsport lies within the Sullivan County area, where everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Sullivan County area, and replacement cost, roof age, and construction type still drive most premium differences from street to street.
Tennessee home premiums often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Average home insurance cost in Kingsport
The typical homeowners insurance premium in Kingsport, TN is about $1,637 annually for a typical local home (typical local home value about $200,000). For a $300,000 dwelling, expect around $1,988 per year; for a $600,000 home about $2,797; and for a $1,000,000 dwelling about $3,640. Freedom Insurance Group rates are often about 38% lower — near $1,015 per year for a typical home, roughly $1,233 for a $300,000 home, about $1,734 for a $600,000 home, and around $2,257 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,546 |
| $200,000 – $300,000 | $1,728 |
| $300,000 – $400,000 | $2,121 |
| $400,000 – $500,000 | $2,401 |
| $500,000 – $600,000 | $2,673 |
| $600,000 – $700,000 | $2,885 |
| $700,000 – $800,000 | $3,062 |
| $800,000 – $900,000 | $3,293 |
| $900,000 – $1,000,000 | $3,524 |
Band premiums are midpoints on the Kingsport dwelling curve (typical local home value about $200,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Kingsport, TN, using a typical local home value of about $200,000. Freedom figures apply an approximate 38% 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 (A): This limit pays to rebuild your home’s structure after a covered loss, and it should keep pace with what rebuilding costs locally right now.
- Other structures (Coverage B): It covers detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
- Coverage C, personal property: It protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (Coverage D): If a covered claim forces you out during repairs, it can cover added costs like a rental or hotel.
- Coverage E, personal liability: It responds when you are legally responsible for injuring someone or damaging their property resulting from a covered incident.
- Coverage F, medical payments: When a guest gets hurt on your property, it helps with their medical bills, often without a formal liability claim.
Discounts for Kingsport, 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% |
Discounts and their size vary by carrier. “Up to” marks the top of the range, not a guarantee.
What shapes home insurance prices in Kingsport
Underwriters price a Kingsport home quote from several overlapping factors reviewed together. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, but rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Putting the house back in comparable materials at today’s labor and supply prices sets what replacement cost captures. Because the carrier’s maximum payout grows with the rebuild estimate, bigger estimates for Kingsport homes usually lift premiums.
Whether walls are frame or masonry, the roofing material, and how well the house is built all shape how the home holds up against the wind, hail, and fire common across Tennessee, so construction type and roof details carry weight.
Location risk captures storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Kingsport, so two homes with similar rebuild costs may still price differently.
Fire protection looks at distance to hydrants and fire stations plus the local protection class, and a stronger protection profile can support more competitive pricing.
Underwriters review claims history on every quote; fresh claims on the property or household tend to push the price up whether the Kingsport policy is new or renewing.
Credit-based insurance score is a lever too where rules allow: insurers relying on it tend to price lower when scores are higher.
Kingsport neighborhoods
- Riverview
- Howard Hill
- Long Island
- Fort Robinson
- Ridgefields
- Amersham
- Vernon Heights
- Cherokee Village
- Sevier Terrace
- Darlington Heights
- Skyview Estates
- Huntington Hills
What public data says about Kingsport homes
NOAA’s Storm Events Database lists 13 hail reports within about 8 miles of Kingsport from 2016 through 2025, 13 of them one inch or larger. Top size measured 1.5 inches in May 2022 near Kincheloe Mill.
Kingsport’s median year built is 1975. Roughly 57% of homes were built before 1980, so electrical, plumbing, and roof upgrades often come up in underwriting.
Since 2000, Sullivan County has been part of 4 major disaster declarations; the latest was Severe Winter Storm (February 2026).
Census survey estimates (ACS 2020–2024) show about 27,842 housing units in Kingsport, and homeowners occupy roughly 60% of the occupied homes. Looking at building types, 63% are detached single-family houses and 30% are in buildings with two or more units.
Occupied homes in Kingsport are heated mostly with electricity (85%) and utility gas (14%).
Named communities and subdivisions in USGS place-name records near Kingsport include Long Island, Green Acres, Springdale, Beechwood Village, Windmere, and Greenfields. Each area can price differently because of roof age, construction, and fire-station distance.
In FEMA’s National Risk Index, Sullivan County rates above the low end for strong-wind (“Relatively High”).
Kingsport was settled in 1771. The Census Bureau counted 44,905 people in Kingsport at the 2000 Census and 48,205 at the 2010 Census; its July 2024 estimate is 57,109. Growth since 2000 comes to roughly 27%.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 39 hail reports within 5 miles of Kingsport between 1955 and 2015; the biggest stones, 2.75 inches, fell on May 5, 1977. Reports of 2-inch or bigger hail number 3 in that span. NOAA Storm Prediction Center records list 7 tornadoes that began within 10 miles of Kingsport from 1950 through 2015; the strongest was an F1 on October 1, 1977. NOAA ties that tornado to 10 injuries.
Shopping around the area? We also have home insurance pages for Colonial Heights (3 mi), Bloomingdale (5 mi), and Spurgeon (7 mi).
Where we write coverage around Kingsport
37660 · 37662 · 37663 · 37664 · 37665 · 37617 · 37669
Bundling home and auto in Kingsport, TN
These are illustrated averages for bundling, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Kingsport, Tennessee | $320 | $420 | $780 |
Other Tennessee insurance guides
Price homeowners coverage in Kingsport, TN
Freedom Insurance Group compares 25+ carriers for Kingsport residents. Begin a home quote online or call (800) 253-1482.
