For Obion residents: independent agents who compare homeowners quotes from 25+ carriers.
What home insurance costs in Obion
The typical homeowners insurance premium in Obion, TN is about $1,542 annually for a typical local home (typical local home value about $91,300). 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 $910 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 Obion dwelling curve (typical local home value about $91,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Obion, TN, using a typical local home value of about $91,300. 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.
What makes Obion, TN different
Around 1,074 people live in Obion, located in Obion County.
In a smaller Tennessee community such as Obion, what matters for insurance is local construction, fire protection access, and regional storm patterns rather than tourism headlines.
The housing stock is largely single-family homes typical of the Obion County area, and replacement cost, roof age, and construction type still drive most premium differences from street to street.
Pricing in Tennessee often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
What a standard home policy includes
This is the limit that pays to rebuild the house itself after a covered loss, and it should keep pace with what rebuilding costs locally right now.
It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
It responds when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
This coverage can help with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Ways to cut the premium in Obion, 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% |
Which discounts apply and how much they are worth differ from carrier to carrier. “Up to” marks the top of the range, not a guarantee.
How Obion home insurance quotes differ
A homeowners quote in Obion comes from several interlocking factors that carriers check side by side. Look for rebuild cost, the roof’s age and type, and local storm or wildfire exposure to move the number most. Deductible choice and claims history can swing the final premium about as much as choosing one carrier over another.
Think of replacement cost as the price of rebuilding your home with comparable materials at current labor and supply costs. What the insurer might pay follows the rebuild estimate, which is why higher figures for Obion properties generally mean a higher price.
Construction type and roof details also move the price: insurers ask frame versus masonry construction, what covers the roof, and how solidly the home is built, since these factors affect how it handles wind, hail, and fire events common across Tennessee.
Location risk reflects storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Obion, so two homes with similar rebuild costs might still quote differently.
Fire protection weighs hydrant and fire-station distance together with the local protection class, and stronger protection profiles may earn sharper pricing.
Underwriters review claims history on every quote; fresh claims tied to the home or the people in it can push the price up whether the Obion policy is new or renewing.
In states that allow it, carriers may use a credit-based insurance score, and a higher score tends to bring lower premiums.
Obion, TN bundling home and auto
Illustrated average bundle savings, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Obion, Tennessee | $240 | $420 | $620 |
What public data says about Obion homes
Home heating in Obion runs mainly on utility gas (54%) and electricity (44%).
The NOAA Storm Events Database logged 1 hail report within about 5 miles of Obion from 2016 through 2025; it measured at least an inch. The largest was 1 inch in May 2022 near Obion.
In FEMA’s National Risk Index, Obion County rates above the low end for tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”).
Since 2000, Obion County has appeared in 13 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
Census survey estimates (ACS 2020–2024) show about 584 housing units in Obion, and owners occupy about 54% of the occupied homes. By structure type, 82% are detached single-family houses, 11% are in buildings with two or more units, and 4.6% are mobile homes.
The median home in Obion was built in 1972. Roughly 68% of homes were built before 1980, which means system and roof updates can change eligibility and price.
Tornadoes are part of the picture too: NOAA lists 4 tornadoes touching down within 10 miles of Obion over 2016–2025, with the strongest at EF3 during December 2021.
Obion was established in 1872. The name honors Obion River. Census counts put Obion at 1,134 residents in 2000 and 1,119 in 2010, and the Census Bureau’s July 2024 estimate is 968. The town has about 15% fewer people than in 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 4 hail reports within 5 miles of Obion between 1955 and 2015, topped by hail of 1.75 inches on April 29, 1984. The NOAA Storm Prediction Center database shows 6 tornadoes that began within 10 miles of Obion from 1950 through 2015; the strongest was an F3 on April 2, 2006. NOAA ties that tornado to 2 deaths and 6 injuries.
Looking at neighboring communities? We also have home insurance pages for Troy (6 mi), Kenton (10 mi), and Newbern (11 mi).
Where we write coverage around Obion
38240
See more Tennessee coverage guides
Compare home insurance quotes in Obion, TN
Freedom Insurance Group compares 25+ carriers for Obion residents. Call (800) 253-1482 or begin a free home quote online.
