Independent agents comparing homeowners quotes from 25+ carriers for Mason residents.
Home insurance prices in Mason
The typical homeowners insurance premium in Mason, TN is about $1,617 annually for a typical local home (typical local home value about $129,900). 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 37% lower — near $1,019 per year for a typical home, roughly $1,342 for a $300,000 home, about $1,888 for a $600,000 home, and around $2,457 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 Mason dwelling curve (typical local home value about $129,900). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Mason, TN, using a typical local home value of about $129,900. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Mason, TN stand out
Mason has roughly 1,597 residents and lies within Tipton County.
For a smaller Tennessee place like Mason, the insurance picture centers on local construction, access to fire protection, and regional storm patterns rather than tourism headlines.
Most homes are single-family properties typical of the Tipton County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Tennessee pricing often reflect tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Home insurance coverage basics
It pays to rebuild your home’s structure after a covered loss, and it should match current reconstruction costs in your area.
Sheds, fences, detached garages, and the like that stand apart from the house fall here.
Belongings such as furniture and clothing inside the house are protected, though special limits can cap higher-value categories.
While a covered loss keeps you out of the home, this helps pay the extra living costs.
This coverage responds when you are legally responsible for bodily injury or property damage to others resulting from a covered incident.
This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Homeowners discounts in Mason, 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 decides its own discounts and amounts. Read “up to” as the top end, not what everyone gets.
Premium drivers for homeowners in Mason
A handful of connected factors shape a Mason home premium, and underwriters weigh them as a set before quoting. The heaviest factors are typically rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can move the final premium as much as the carrier brand itself.
Think of replacement cost as the cost to rebuild your home using similar materials at present-day prices. Larger rebuild estimates for Mason properties generally raise premiums because the carrier’s maximum payout increases with that figure.
Construction type and roof details count as well: 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.
Location risk is the reason two comparable houses may not match on price: underwriters rate storm, hail, wildfire, and crime exposure by ZIP code and neighborhood across Mason.
Fire protection looks at hydrant and fire-station distance along with the area’s protection class, and a stronger protection profile often support more competitive pricing.
Claims filed lately on the property or by the household can push up rates for Mason renewals as well as new policies, because claims history still weighs heavily.
Certain companies factor in a credit-based insurance score when state rules permit; higher scores generally bring lower prices.
Mason, TN home and auto bundling
Illustrated average bundle savings, not a guaranteed quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Mason, Tennessee | $250 | $458 | $632 |
Housing and weather facts for Mason
The median home in Mason was built in 1995. There is a spread of ages: 23% predate 1980 and 7.3% went up in 2010 or later.
NOAA’s Storm Events Database lists 2 hail reports within about 5 miles of Mason from 2016 through 2025; 1 were one inch or bigger. The largest measured 1 inch in March 2016 near Canaan Grove.
ACS 2020–2024 estimates put about 372 housing units in Mason, and homeowners occupy close to 53% of the occupied homes. By structure type, 70% are detached single-family houses, 12% are in buildings with two or more units, and 17% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively High”) in Tipton County.
Home heating in Mason runs mainly on utility gas (58%) and electricity (40%).
From 2000 on, Tipton County has appeared in 16 major disaster declarations; the latest is Severe Winter Storm (February 2026).
Tornado history matters here as well: NOAA logged 1 tornado touching down within 10 miles of Mason in 2016–2025, the strongest rated EF0 in December 2021.
The Census Bureau counted 1,089 people in Mason at the 2000 Census and 1,609 at the 2010 Census; its July 2024 estimate is 1,343. Growth since 2000 comes to roughly 23%.
Going further back, the Storm Prediction Center lists 6 hail reports within 5 miles of Mason between 1955 and 2015, the largest 1.5 inches on April 24, 2010. NOAA Storm Prediction Center records list 11 tornadoes that began within 10 miles of Mason from 1950 through 2015, the strongest an F2 on March 14, 1953.
Shopping around the area? We also have home insurance pages for Brighton (12 mi), Covington (12 mi), and Arlington (13 mi).
ZIP codes we serve in and around Mason
38049
Keep exploring Tennessee coverage options
Quote homeowners coverage for Mason, TN
Freedom Insurance Group shops 25+ carriers for Mason residents. Reach us at (800) 253-1482 or begin a free home quote online.
