Homeowners quotes from 25+ companies, side by side, for Oneida, TN, from Freedom Insurance Group.
Oneida, TN: local context
Oneida is home to about 3,709 residents in Scott County.
Oneida lies within the Scott County area, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Scott County area, but replacement cost, roof age, and construction type still account for 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 pricing in Oneida, TN
The typical homeowners insurance premium in Oneida, TN is about $1,656 annually for a typical local home (typical local home value about $150,000). 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 42% lower — near $960 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 Oneida dwelling curve (typical local home value about $150,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Oneida, TN, using a typical local home value of about $150,000. 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.
Homeowners coverage basics
- Coverage A, dwelling: When a covered loss hits, this limit covers rebuilding the house itself; make sure it tracks today’s local rebuild costs.
- Other structures (Coverage B): Coverage for anything detached from the main house, such as a garage, shed, or fence.
- Personal property (C): Belongings such as furniture and clothing in the home fall under this coverage, though some higher-value categories carry special sublimits.
- Coverage D, loss of use: Extra living expenses until repairs are done after a covered claim makes it unlivable.
- Personal liability (E): Should you be held legally responsible for bodily injury or property damage to others in a covered incident, it applies.
- Coverage F, medical payments: For guests injured on your property, this covers medical costs, often without a formal liability claim.
Ways to cut the premium in Oneida, 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 company sets its own discounts and amounts. “Up to” is the high end, not a guaranteed amount.
What moves home insurance rates in Oneida
A homeowners quote in Oneida is built from a set of related inputs that carriers check together. Most of the price comes from 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 company you choose.
Replacement cost is the cost to rebuild the home with similar materials at today’s labor and material prices. Higher rebuild estimates for Oneida 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, the roof covering, and overall build quality shape how a property performs in wind, hail, and fire that are common across Tennessee.
Location risk rolls up storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Oneida, so two homes with similar rebuild costs might still quote differently.
Fire protection weighs distance to hydrants and fire stations together with the local protection class, and better protection ratings may earn lower premiums.
Insurers look at claims history on every quote; fresh claims tied to the home or the people in it tend to push rates up for Oneida renewals and new policies.
Certain companies weigh a credit-based insurance score when state rules permit; the stronger the score, the lower the premium tends to be.
Bundling home and auto in Oneida, TN
Illustrative average bundling savings, not a quote. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Oneida, Tennessee | $378 | $532 | $682 |
Oneida housing stock and storm history
For heat, Oneida households mostly rely on utility gas (51%), electricity (38%), and propane or other bottled gas (5.8%). Propane tanks and wood stoves are items underwriters ask about, because carriers treat them differently.
In FEMA’s National Risk Index, Scott County rates above the low end for winter-weather (“Relatively Moderate”).
On tornadoes, NOAA recorded 1 tornado starting within 10 miles of Oneida between 2016 and 2025, with the strongest at EF1 in June 2023.
Oneida’s median year built is 1976. Roughly 60% of homes predate 1980, so system and roof updates are worth documenting for a quote.
Since 2000, Scott County has appeared in 12 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
The Census Bureau’s 2020–2024 American Community Survey counts about 1,698 housing units in Oneida, and homeowners occupy about 65% of the occupied homes. By structure type, 66% are detached single-family houses, 17% are in buildings with two or more units, and 16% are mobile homes.
NOAA storm records show 3 hail reports within about 5 miles of Oneida from 2016 through 2025; 3 were one inch or bigger. The largest measured 1.5 inches in April 2025 near Oneida.
By the historical record, Oneida was incorporated on March 22, 1917. Oneida’s population went from 3,615 at the 2000 Census to 3,752 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 3,875. The population has stayed fairly steady since 2000.
Going further back, SPC data show 17 hail reports within 5 miles of Oneida between 1955 and 2015; the biggest stones, 1.75 inches, fell on May 14, 1995. The NOAA Storm Prediction Center database shows 4 tornadoes that began within 10 miles of Oneida from 1950 through 2015; the strongest was an F3 on April 3, 1974. NOAA ties that tornado to 21 injuries.
Looking at neighboring communities? Nearby home insurance pages: Winfield (5 mi), Helenwood (6 mi), and Huntsville (7 mi).
Oneida-area ZIP codes we insure
37841
