Paris residents get independent agents comparing homeowners quotes from 25+ carriers.
Typical homeowners costs in Paris
The typical homeowners insurance premium in Paris, TN is about $1,695 annually for a typical local home (typical local home value about $170,000). 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 36% lower — near $1,085 per year for a typical home, roughly $1,363 for a $300,000 home, about $1,918 for a $600,000 home, and around $2,496 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 Paris dwelling curve (typical local home value about $170,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Paris, TN, using a typical local home value of about $170,000. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Paris, TN different
Paris has roughly 10,150 residents in Henry County.
Paris sits in the Henry County area, where everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Henry County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Pricing in Tennessee often build in tornado and severe-storm risk, with flood considerations near rivers and low-lying areas.
The six parts of a home policy
After a covered loss, this limit pays to rebuild the house itself; make sure it tracks what rebuilding costs in your area today.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
This helps with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
Should you be held legally responsible for injuring another person or damaging their things after a covered incident, it applies.
When a guest gets hurt on your property, this covers medical costs, usually without a liability claim being filed.
Homeowners discounts in Paris, 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% |
Every insurer chooses its own discounts and amounts. Read “up to” as the ceiling, not a promise.
What affects home insurance premiums in Paris
Paris homeowners are priced on several interlocking factors that underwriters check when they build a quote. Most of the price comes from rebuild cost, the roof’s age and material, and exposure to storms or wildfire; your deductible and claims record can change the final premium as much as the company you choose.
Putting the house back in comparable materials at current labor and material costs sets what replacement cost measures. Bigger rebuild figures for Paris properties tend to raise premiums because the carrier’s maximum payout grows with that figure.
Construction type and roof details matter as well: carriers want to know frame versus masonry construction, what covers the roof, and the overall build quality, since these factors shape how it fares in the wind, hail, and fire seen across Tennessee.
Location risk explains why two comparable houses may not match on price: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood within Paris.
Fire protection counts as well: a nearby hydrant, a close fire station, and the local protection class can all help the price.
Claims history is a heavy factor: in Paris, recent household or property claims can raise the premium for renewals and new business alike.
Credit-based insurance score, where state law permits, is one more factor; better scores generally line up with lower premiums when the carrier relies on it.
Paris, TN home and auto bundling
Illustrated average bundle savings, not guaranteed. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Paris, Tennessee | $258 | $452 | $718 |
What public data says about Paris homes
NOAA’s Storm Events Database lists 17 hail reports within about 5 miles of Paris from 2016 through 2025; 12 were one inch or bigger. The biggest was 2 inches in May 2024 near Paris.
Occupied homes in Paris are heated mostly with electricity (50%) and utility gas (47%).
Half of Paris’ homes were built in or before 1971. Roughly 64% of homes were built before 1980, which means wiring, plumbing, and roof updates can change eligibility and price.
Named places the USGS records in and around Paris include Hancock, Chickasaw Heights, Meadow Mead, and Porter Court. Each area can price differently because of construction era and roof condition.
Tornadoes are part of the picture too: NOAA lists 2 tornadoes touching down within 10 miles of Paris between 2016 and 2025, with the strongest at EF1 in February 2018.
ACS 2020–2024 estimates put about 4,783 housing units in Paris, and homeowners occupy close to 57% of the occupied homes. By structure type, 63% are detached single-family houses, 24% are in buildings with two or more units, and 10% are mobile homes.
FEMA’s National Risk Index flags tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Henry County.
Since 2000, Henry County has appeared in 14 major disaster declarations; the latest is Severe Winter Storm (February 2026).
Local history records show Paris was incorporated in 1823. Census counts put Paris at 9,763 residents in 2000 and 10,156 in 2010, and the Census Bureau’s July 2024 estimate is 10,517. The population has stayed fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 18 hail reports within 5 miles of Paris between 1955 and 2015, topped by hail of 2 inches on May 5, 2003. 1 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 9 tornadoes that began within 10 miles of Paris from 1950 through 2015, the strongest an F3 on November 26, 2001. Along its full path, that storm was blamed for 2 deaths and 12 injuries.
Shopping around the area? See our home insurance pages for McKenzie (15 mi), Gleason (18 mi), and Bruceton (18 mi).
Where we write coverage around Paris
38242
Other Tennessee coverage resources
Paris, TN home insurance quotes
Freedom Insurance Group compares 25+ carriers on behalf of Paris homeowners. Next step: begin a home quote online or call (800) 253-1482.
