Independent agents comparing homeowners quotes from 25+ carriers for Munford residents.
Home insurance prices in Munford
The typical homeowners insurance premium in Munford, TN is about $1,851 annually for a typical local home (typical local home value about $250,000). 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 38% lower — near $1,148 per year for a typical home, roughly $1,321 for a $300,000 home, about $1,858 for a $600,000 home, and around $2,418 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 Munford dwelling curve (typical local home value about $250,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Munford, TN, using a typical local home value of about $250,000. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Munford, TN stand out
Munford is home to around 6,108 residents in Tipton County.
Munford is part of the Tipton County area, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of the Tipton County area, but replacement cost, roof age, and construction type still drive most premium differences from street to street.
Tennessee home premiums often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Home insurance coverage basics
When a covered loss hits, this limit covers rebuilding the structure; set it to match today’s local rebuild costs.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
If a covered claim forces you out during repairs, this coverage helps with the extra living costs.
Should you be held legally responsible for injuring another person or damaging their things in a covered incident, this part responds.
If a visitor is injured at your home, this can pay medical bills, often without a formal liability claim.
Home insurance discounts in Munford, 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 sizes vary. Read “up to” as the maximum, not a guarantee.
What shapes home insurance premiums in Munford
Underwriters put together a Munford policy quote from several interlocking factors. The deductible you choose and your claims history can move the final premium as much as the choice of carrier, but rebuild cost, the roof’s age and material, and local storm or wildfire risk usually move the number most.
Consider replacement cost as the price of rebuilding your home using similar materials at current labor and supply costs. Bigger rebuild figures for Munford properties tend to raise premiums because the carrier’s maximum payout rises with that figure.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality all influence how a property holds up in wind, hail, and fire scenarios that are common across Tennessee.
Two Munford homes with close rebuild estimates can still price differently thanks to location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Fire protection matters as well: a nearby hydrant, a short drive to the fire station, and the local protection class can all help pricing.
Claims history still matters a lot: in Munford, claims in the last few years tend to increase pricing at renewal and on new quotes.
Credit-based insurance score is a lever too where it is permitted: companies that apply it tend to price lower when scores are higher.
Home-and-auto bundles in Munford, TN
Illustrated 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 |
|---|---|---|---|
| Munford, Tennessee | $258 | $442 | $650 |
What public data says about Munford homes
Occupied homes in Munford are heated mostly with utility gas (67%) and electricity (25%).
From 2000 on, Tipton County has appeared in 16 major disaster declarations; the latest was Severe Winter Storm (February 2026).
Tornadoes are part of the picture too: NOAA lists 4 tornadoes touching down within 10 miles of Munford in 2016–2025, with the strongest at EF3 in March 2023.
FEMA’s National Risk Index flags tornado (“Relatively High”) in Tipton County.
Census survey estimates (ACS 2020–2024) show about 2,511 housing units in Munford, and owners occupy close to 80% of the occupied homes. Looking at building types, 85% are detached single-family houses, 6.7% are in buildings with two or more units, and 5.0% are mobile homes.
The median home in Munford was built in 1994. There is a spread of ages: 22% date from before 1980 and 18% went up in 2010 or later.
NOAA’s Storm Events Database lists 8 hail reports within about 5 miles of Munford from 2016 through 2025, 5 of them one inch or larger. The largest measured 1.25 inches in May 2019 around Crosstown.
Munford’s population went from 4,708 at the 2000 Census to 5,927 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 6,896. That works out to about 46% more residents than in 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 19 hail reports within 5 miles of Munford between 1955 and 2015, the largest 1.5 inches on April 26, 2011. Federal tornado records from NOAA’s Storm Prediction Center list 18 tornadoes that began within 10 miles of Munford from 1950 through 2015, the strongest an F3 on April 3, 1968. Along its full path, that storm was blamed for 4 deaths and 32 injuries.
Shopping around the area? We also have home insurance pages for Atoka (2 mi), Brighton (5 mi), and Millington (9 mi).
ZIP codes we serve in and around Munford
38058
Other Tennessee coverage guides
Get home insurance quotes for Munford, TN
Munford homeowners get quotes from 25+ carriers with Freedom Insurance Group. Next step: request a home quote on our site or dial (800) 253-1482.
