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Getting to know Mascot, TN
Mascot has around 2,411 residents and sits in Knox County.
Mascot is not known for big-city tourism headlines, and for insurance the focus is local construction, fire protection access, and regional storm patterns.
The housing stock is largely single-family homes typical of the Knox County area, but replacement cost, roof age, and construction type still explain most premium differences from one house to the next.
Tennessee pricing often reflects tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Average cost of homeowners insurance in Mascot
The typical homeowners insurance premium in Mascot, TN is about $1,701 annually for a typical local home (typical local home value about $172,700). 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 41% lower — near $1,004 per year for a typical home, roughly $1,257 for a $300,000 home, about $1,768 for a $600,000 home, and around $2,301 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 Mascot dwelling curve (typical local home value about $172,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Mascot, TN, using a typical local home value of about $172,700. 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.
Homeowners policy coverages, A through F
- Dwelling (Coverage 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.
- Coverage B, other structures: This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Personal property (Coverage C): Your furniture, clothes, and everyday belongings inside the house fall under this coverage, but some higher-value categories carry special sublimits.
- Loss of use (D): Added costs of living elsewhere while the home is being repaired after a covered claim makes it unlivable.
- Personal liability (Coverage E): Coverage for times when you are legally on the hook for injuries to others or damage to their property arising from a covered event.
- Medical payments (Coverage F): Visitors’ medical expenses after an injury on your property, often paid without any formal claim.
Ways to cut the premium in Mascot, 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” is the high end, not a guarantee.
Premium drivers for homeowners in Mascot
Mascot homeowners are priced on several interlocking factors that underwriters weigh when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can change 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 prices for labor and supplies. Larger rebuild estimates for Mascot properties usually push up premiums since the carrier’s maximum payout rises with that figure.
Construction type and roof details play a role too: frame versus masonry walls, the roof covering, and overall build quality shape how a property fares in wind, hail, and fire that are common across Tennessee.
Scores for storms, hail, wildfire, and crime feed into location risk, and they can shift by ZIP code and neighborhood in Mascot, so homes with similar rebuild costs can still get different prices.
Fire protection matters as well: a nearby hydrant, quick fire-station response, and the local protection class can each help the price.
Claims filed lately on the property or by the household can push up premiums whether a Mascot policy is renewing or new, because claims history is a big rating factor.
Certain companies factor in a credit-based insurance score when state rules permit; higher scores generally bring lower prices.
Mascot homes by the numbers
NOAA storm records show 5 hail reports within about 5 miles of Mascot from 2016 through 2025 (5 at one inch or more). The biggest was 1.75 inches in May 2024 near Millertown.
Occupied homes in Mascot are heated mostly with electricity (90%) and fuel oil or kerosene (3.1%).
Mascot’s median year built is 1988. About 44% of homes predate 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
In FEMA’s National Risk Index, Knox County rates above the low end for tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Relatively High”).
ACS 2020–2024 estimates put about 1,443 housing units in Mascot, and owner-occupants live in about 66% of the occupied homes. By structure type, 72% are detached single-family houses and 27% are mobile homes.
Named places the USGS records in and around Mascot include Shipetown, Three Points, Antioch, Skaggston, Sunrise, and Wyricktown. Older and newer sections can quote differently based on build era, roof, and fire protection.
Since 2000, Knox County has appeared in 11 major disaster declarations; the latest is Severe Winter Storm (February 2026).
Older NOAA hail logs add more history: the Storm Prediction Center lists 7 hail reports within 5 miles of Mascot between 1955 and 2015; the biggest stones, 1.5 inches, fell on August 1, 2012. Federal tornado records from NOAA’s Storm Prediction Center list 5 tornadoes that began within 10 miles of Mascot from 1950 through 2015; the most powerful, rated F1, touched down on April 3, 1974. That tornado’s record lists 2 deaths and 21 injuries.
Looking at neighboring communities? We also have home insurance pages for Blaine (6 mi), Plainview (8 mi), and Luttrell (10 mi).
Where we write coverage around Mascot
37806 · 37924
Mascot, TN bundling home and auto
Illustrated average bundle savings, not guaranteed. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Mascot, Tennessee | $240 | $430 | $620 |
Keep exploring Tennessee coverage guides
Compare home insurance quotes for Mascot, TN
Mascot homeowners get a comparison of 25+ carriers with Freedom Insurance Group. Ready when you are: begin a home quote online or call (800) 253-1482.
