Shopping home coverage for a Mount Pleasant household should not take all week; Freedom Insurance Group helps. Ask for a quote online or phone (800) 253-1482.
Homeowners insurance rates in Mount Pleasant, TN
| Scenario | Market estimate | Freedom Insurance Group example (42% less) |
|---|---|---|
| Typical Mount Pleasant home (~$217,600) | $1,788/yr | $1,037/yr |
| $300,000 dwelling | $2,130/yr | $1,235/yr |
| $600,000 dwelling | $2,997/yr | $1,738/yr |
| $1,000,000 dwelling | $3,900/yr | $2,262/yr |
The typical homeowners insurance premium in Mount Pleasant, TN is about $1,788 annually for a typical local home (typical local home value about $217,600). 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 42% lower — near $1,037 per year for a typical home, roughly $1,235 for a $300,000 home, about $1,738 for a $600,000 home, and around $2,262 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 Mount Pleasant dwelling curve (typical local home value about $217,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Mount Pleasant, TN, using a typical local home value of about $217,600. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How Mount Pleasant home insurance prices vary
Mount Pleasant homeowners are priced on several related factors that underwriters review when they build a quote. Expect rebuild cost, roof age and material, and local storm or wildfire exposure to drive most of the price. Deductible choice and claims history can swing the final premium about as much as the carrier brand.
Rebuilding the home with similar materials at today’s labor and supply prices defines what replacement cost captures. Because the carrier’s top payout climbs with the rebuild estimate, bigger estimates for Mount Pleasant homes tend to push up premiums.
Construction type and roof details also matter: frame versus masonry walls, the roof covering, and overall build quality all affect how a property fares in wind, hail, and fire seen across Tennessee.
Location risk is why neighbors can pay different amounts: underwriters rate storm, hail, wildfire, and crime risk down to ZIP code and neighborhood within Mount Pleasant.
Fire protection looks at distance to hydrants and fire stations plus local protection class, and a stronger protection profile often support lower premiums.
Claims history remains a major rating input: recent claims on the property or household frequently raise rates for Mount Pleasant renewals and new business quotes too.
Credit-based insurance score is a lever too in states that allow it: companies that apply it generally offer lower premiums when scores are higher.
Getting to know Mount Pleasant, TN
Mount Pleasant counts about 4,790 residents in Maury County.
Mount Pleasant sits in the Maury County area, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Maury County area; rebuild cost, roof age, and construction still drive most premium differences from street to street.
Tennessee home premiums often build in tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Savings opportunities for Mount Pleasant, 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% |
Which discounts apply and how much they are worth depend on the carrier. “Up to” shows the maximum, not a guaranteed amount.
Home insurance coverage basics
- Coverage A, dwelling: It pays to rebuild the house itself after a covered loss, and it should track current reconstruction costs in your area.
- Coverage B, other structures: Sheds, fences, detached garages, and the like separate from the main house are covered here.
- Personal property (Coverage C): Furniture, clothing, and the other things you own inside the house are covered here, but some higher-value categories carry special sublimits.
- Coverage D, loss of use: If a covered claim forces you out during repairs, this coverage helps with additional living expenses.
- Personal liability (Coverage E): Should you be held legally responsible for bodily injury or property damage to others after a covered incident, this part responds.
- Coverage F, medical payments: Medical bills for guests injured on your property, often paid without a liability claim.
Mount Pleasant, TN home and auto bundling
Illustrated average bundle savings, not a guaranteed quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Mount Pleasant, Tennessee | $240 | $440 | $640 |
Local housing and storm data: Mount Pleasant
Tornadoes are part of the picture too: NOAA logged 3 tornadoes starting within 10 miles of Mount Pleasant between 2016 and 2025, the strongest rated EF2 during March 2025.
From 2000 on, Maury County has been part of 11 major disaster declarations; the latest is Severe Winter Storm (February 2026).
For heat, Mount Pleasant households mostly rely on electricity (54%) and utility gas (43%).
The median home in Mount Pleasant was built in 1981. About 49% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
NOAA’s Storm Events Database lists 1 hail report within about 5 miles of Mount Pleasant from 2016 through 2025; it measured at least an inch. The biggest was 1 inch in May 2025 around Arrow.
The USGS GNIS lists these named communities and subdivisions in and around Mount Pleasant: Ridley, Red Row, and Frierson Town. Each area can price differently because of roof age, construction, and fire-station distance.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Maury County.
Census survey estimates (ACS 2020–2024) show about 2,491 housing units in Mount Pleasant, and homeowners occupy close to 62% of the occupied homes. Of all units, 74% are detached single-family houses, 14% are in buildings with two or more units, and 11% are mobile homes.
Mount Pleasant’s recorded beginnings date to 1824. Mount Pleasant’s population went from 4,491 at the 2000 Census to 4,561 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 4,871. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 14 hail reports within 5 miles of Mount Pleasant between 1955 and 2015, topped by hail of 2 inches on March 31, 2012. 1 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 5 tornadoes that began within 10 miles of Mount Pleasant from 1950 through 2015; the most powerful, rated F1, touched down on July 15, 1966.
Shopping around the area? We also have home insurance pages for Columbia (10 mi), Summertown (10 mi), and Spring Hill (20 mi).
ZIP codes we insure in and around Mount Pleasant
38401 · 38474
More Tennessee coverage resources
Quote homeowners coverage for Mount Pleasant, TN
In Mount Pleasant, Freedom Insurance Group shops 25+ carriers. Next step: request a home quote on our site or call (800) 253-1482.
