Compare, with Freedom Insurance Group, homeowners insurance quotes in Lebanon, TN. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Lebanon, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$359,300) | $2,376 | $1,402 |
| $300,000 dwelling | $2,201 | $1,299 |
| $600,000 dwelling | $3,097 | $1,827 |
| $1,000,000 dwelling | $4,030 | $2,378 |
The typical homeowners insurance premium in Lebanon, TN is about $2,376 annually for a typical local home (typical local home value about $359,300). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 41% lower — near $1,402 per year for a typical home, roughly $1,299 for a $300,000 home, about $1,827 for a $600,000 home, and around $2,378 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Lebanon dwelling curve (typical local home value about $359,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Lebanon, TN, using a typical local home value of about $359,300. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Lebanon, TN: what is distinctive here
Lebanon has about 30,262 residents, located in Wilson County.
Lebanon is located in the Wilson County area, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Wilson County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
Tennessee home premiums often reflect tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
What moves home insurance rates in Lebanon
Multiple interlocking factors determine what Lebanon homeowners pay, and underwriters look at all of them when they build a quote. 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.
Replacement cost is the amount needed to rebuild the home with comparable materials at today’s labor and material prices. Since the carrier’s maximum payout rises with the rebuild estimate, larger figures for Lebanon properties usually lift premiums.
Construction type and roof details also matter: frame versus masonry walls, the roof covering, and overall build quality all influence how a property holds up in the wind, hail, and fire events that are common across Tennessee.
Scores for storms, hail, wildfire, and crime make up location risk, and they vary from one Lebanon ZIP code or neighborhood to the next, meaning homes with similar rebuild costs can still get different prices.
A strong fire protection profile that reflects hydrant distance, station distance, and protection class can make a quote more competitive.
Claims history still matters a lot: for Lebanon homes, recent household or property claims can raise the premium at renewal and on new quotes.
Credit-based insurance score, where permitted by state rules, is another input; stronger scores usually correlate with cheaper premiums when the carrier uses it.
Discounts for Lebanon, 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% |
Each carrier chooses its own discount menu and sizes. “Up to” shows the maximum, not a guarantee.
Home insurance coverage basics
- Dwelling (A): When a covered loss hits, this limit covers rebuilding your home’s structure; set it to match what rebuilding costs in your area today.
- Other structures (Coverage B): Detached garages, sheds, fences, and similar buildings separate from the main house are covered here.
- Coverage C, personal property: Protects what is inside the house: furniture, clothing, and everyday items. Pricier categories can be subject to special limits.
- Loss of use (Coverage D): It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Coverage E, personal liability: It responds when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Coverage F, medical payments: Medical bills for guests injured on your property, often paid without a formal liability claim.
Lebanon, TN home and auto bundling
Illustrated average bundle savings, not guaranteed. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Lebanon, Tennessee | $240 | $430 | $636 |
Lebanon housing stock and storm history
In FEMA’s National Risk Index, Wilson County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively High”), and strong-wind (“Relatively Moderate”).
Tornadoes are part of the picture too: NOAA lists 7 tornadoes starting within 10 miles of Lebanon between 2016 and 2025, the most intense an EF1 in April 2025.
The Census Bureau’s 2020–2024 American Community Survey counts about 18,262 housing units in Lebanon, and owner-occupants live in about 62% of the occupied homes. Of all units, 59% are detached single-family houses and 27% are in buildings with two or more units.
From 2000 on, Wilson County has been part of 8 major disaster declarations; the latest is Severe Winter Storm (February 2026).
The NOAA Storm Events Database logged 15 hail reports within about 7 miles of Lebanon from 2016 through 2025 (12 at one inch or more). The biggest measured 3 inches in June 2022 near Gladeville.
Named places the USGS records in and around Lebanon include Egan, West End Heights, Maple Hill, Forktown, Flat Rock, and Leeville. Older and newer sections can quote differently based on build era, roof, and fire protection.
Occupied homes in Lebanon are heated mostly with electricity (62%) and utility gas (36%).
The median home in Lebanon was built in 2004. About 39% of homes were built in 2010 or later, and discounts for newer construction are often in play.
Local history records show Lebanon was incorporated in 1801. The town is named for Cedars of Lebanon. Census counts put Lebanon at 20,235 residents in 2000 and 26,190 in 2010, and the Census Bureau’s July 2024 estimate is 51,501. That is growth of roughly 155% since 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 27 hail reports within 5 miles of Lebanon between 1955 and 2015, the largest 2.5 inches on June 4, 1985. 3 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 15 tornadoes that began within 10 miles of Lebanon from 1950 through 2015; the most powerful, rated EF2, touched down on February 24, 2011.
Comparing homes in nearby towns? Nearby home insurance pages: Mount Juliet (9 mi), Rural Hill (11 mi), and Green Hill (13 mi).
Where we write coverage around Lebanon
37087 · 37090 · 37122
See more Tennessee coverage guides
Lebanon, TN homeowners quotes
Freedom Insurance Group compares 25+ carriers for Lebanon residents. Phone (800) 253-1482 or start a free home quote online.
