For Maynardville residents: independent agents comparing homeowners quotes from 25+ carriers.
What home insurance costs in Maynardville
The typical homeowners insurance premium in Maynardville, TN is about $1,714 annually for a typical local home (typical local home value about $179,700). 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 $1,011 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 Maynardville dwelling curve (typical local home value about $179,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Maynardville, TN, using a typical local home value of about $179,700. 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.
Maynardville, TN: what is distinctive here
Maynardville is home to about 2,355 residents, located in Union County.
For a smaller Tennessee place like Maynardville, the insurance picture centers on local construction, access to fire protection, and regional storm patterns more than any big-city headline.
Local housing is largely single-family homes typical of the Union County area, and replacement cost, roof age, and construction type still explain most premium differences block by block.
Tennessee pricing often reflect tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Homeowners coverage basics
This limit pays to rebuild the structure of your home after a covered loss, and it should keep pace with local rebuilding costs today.
It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
Your furniture, clothes, and everyday belongings indoors are covered here, but some higher-value categories carry special sublimits.
If a covered claim forces you out during repairs, it can cover the extra living costs.
It responds when you are legally responsible for bodily injury or property damage to others resulting from a covered incident.
If a visitor is injured at your home, this covers medical costs, often without a formal liability claim.
Savings opportunities for Maynardville, 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” is the high end, not a guaranteed amount.
How Maynardville home insurance quotes differ
Maynardville homeowners are priced on several related factors that underwriters weigh when they build a quote. Count on rebuild cost, the roof’s age and type, and local storm or wildfire exposure to matter most. Deductible choice and claims history can swing the final price about as much as the carrier brand.
Rebuilding your house in comparable materials at current labor and material costs defines what replacement cost measures. The carrier’s exposure follows the rebuild estimate, so larger Maynardville rebuild numbers generally mean a higher price.
Whether walls are frame or masonry, what the roof is made of, and how well the house is built all influence how the property fares in the wind, hail, and fire common across Tennessee, so construction type and roof details matter too.
Homes in Maynardville with close rebuild estimates might not cost the same due to location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
Carriers rate fire protection by the local protection class and hydrant and station distance; good protection tends to mean a better rate.
Recent claims on the property or by the household can push up premiums on Maynardville renewals and new quotes alike, because claims history still weighs heavily.
Credit-based insurance score, where state rules allow it, is another input; higher scores typically bring lower prices when the carrier uses it.
Maynardville, TN bundling home and auto
The figures below illustrate average bundle savings, not a guaranteed quote. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Maynardville, Tennessee | $250 | $430 | $630 |
Local housing and storm data: Maynardville
NOAA storm records show 1 hail report within about 5 miles of Maynardville from 2016 through 2025, and it was at least one inch across. The biggest was 1 inch in June 2016 near Maynardville.
ACS 2020–2024 estimates put about 1,184 housing units in Maynardville, and homeowners occupy close to 60% of the occupied homes. Of all units, 52% are detached single-family houses, 25% are in buildings with two or more units, and 23% are mobile homes.
From 2000 on, Union County has been part of 6 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
For heat, Maynardville households mostly rely on electricity (98%).
Half of Maynardville’s homes were built in or before 1994. There is a spread of ages: 23% date from before 1980 and 12% went up in 2010 or later.
Maynardville dates its official start to 1850. The town is named for Horace Maynard. Census counts put Maynardville at 1,782 residents in 2000 and 2,413 in 2010, and the Census Bureau’s July 2024 estimate is 2,598. That is growth of roughly 46% since 2000.
Going further back, the Storm Prediction Center lists 13 hail reports within 5 miles of Maynardville between 1955 and 2015, topped by hail of 2.75 inches on May 10, 1995. Reports of 2-inch or bigger hail number 2 in that span. NOAA Storm Prediction Center records list 3 tornadoes that began within 10 miles of Maynardville from 1950 through 2015, the strongest an F1 on October 1, 1977.
Looking at neighboring communities? We also have home insurance pages for Luttrell (4 mi), Plainview (5 mi), and Blaine (9 mi).
ZIP codes we cover near Maynardville
37807
See more Tennessee coverage guides
Shop homeowners coverage for Maynardville, TN
Freedom Insurance Group compares 25+ carriers on behalf of Maynardville households. To get started, begin a home quote on our site or dial (800) 253-1482.
