Compare, with Freedom Insurance Group, homeowners insurance quotes in Pikeville, TN. We compare 25+ carriers and work with you to match coverage to the home or vehicles you really own.
Average cost of home insurance in Pikeville, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$155,500) | $1,666 | $983 |
| $300,000 dwelling | $2,130 | $1,257 |
| $600,000 dwelling | $2,997 | $1,768 |
| $1,000,000 dwelling | $3,900 | $2,301 |
The typical homeowners insurance premium in Pikeville, TN is about $1,666 annually for a typical local home (typical local home value about $155,500). 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 $983 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 Pikeville dwelling curve (typical local home value about $155,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Pikeville, TN, using a typical local home value of about $155,500. 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.
A closer look at Pikeville, TN
About 1,636 people live in Pikeville and sits in Bledsoe County.
Pikeville is not known for big-city tourism headlines, and the insurance story is about local construction, fire protection access, and regional storm patterns.
Most homes are single-family properties typical of the Bledsoe County area; replacement cost, roof age, and construction type still explain most premium differences from street to street.
Pricing in Tennessee often reflect tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
What drives home insurance prices in Pikeville
A homeowners quote in Pikeville comes from a set of connected factors that carriers check as a group. Deductible choice and past claims can change the final price as much as the carrier brand itself, but rebuild cost, the roof’s age and material, and local storm or wildfire risk tend to dominate.
Rebuilding the home in comparable materials at current labor and material costs defines what replacement cost means. What the insurer might pay moves with the rebuild estimate, so larger Pikeville rebuild numbers tend to mean higher premiums.
Construction type and roof details also move the price: underwriters check whether walls are frame or masonry, what covers the roof, and how solidly the home is built, since those details decide how it fares in wind, hail, and fire events common across Tennessee.
Storm, hail, wildfire, and crime scores feed into location risk, and they can shift from one Pikeville ZIP code or neighborhood to the next, so homes with similar rebuild costs may still price differently.
Underwriters score fire protection using protection class plus hydrant and station distance; a stronger profile tends to mean a more competitive price.
A recent claim on the house or by anyone in the household can push up rates whether a Pikeville policy is renewing or new, since claims history still weighs heavily.
Some carriers factor in a credit-based insurance score when state rules permit; higher scores generally bring lower prices.
Savings opportunities for Pikeville, 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% |
Not every carrier offers every discount, and sizes vary. Read “up to” as the ceiling, not what everyone gets.
How a homeowners policy is built
- Dwelling (A): It pays to rebuild the structure of your home after a covered loss, and it should keep pace with local rebuilding costs today.
- Other structures (B): A detached garage, a shed, a fence, or similar buildings separate from the main house fall here.
- Personal property (Coverage C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (Coverage D): Added costs of living elsewhere until repairs are done after a covered claim forces you out.
- Personal liability (Coverage E): When you are found legally liable for injuring another person or damaging their things from a covered event, it applies.
- Medical payments (Coverage F): Visitors’ medical expenses after an injury on your property, usually handled without a liability claim.
Home-and-auto bundles in Pikeville, TN
Illustrated average bundle savings, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Pikeville, Tennessee | $256 | $454 | $622 |
Pikeville housing stock and storm history
Since 2000, Bledsoe County has appeared in 12 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
NOAA storm records show 4 hail reports within about 5 miles of Pikeville from 2016 through 2025; 4 were one inch or bigger. The biggest measured 1.5 inches in May 2025 near Pikeville.
For heat, Pikeville households mostly rely on utility gas (55%) and electricity (44%).
The median home in Pikeville was built in 1971. About 61% of homes were built before 1980, so electrical, plumbing, and roof upgrades can change eligibility and price.
Census survey estimates (ACS 2020–2024) show about 764 housing units in Pikeville, and owners occupy about 51% of the occupied homes. By structure type, 58% are detached single-family houses, 29% are in buildings with two or more units, and 12% are mobile homes.
Local history records show Pikeville was founded in 1816 and incorporated in 1830. It takes its name from Zebulon Pike. The Census Bureau counted 1,781 people in Pikeville at the 2000 Census and 1,608 at the 2010 Census; its July 2024 estimate is 1,879. Numbers have held fairly steady since 2000.
Going further back, the Storm Prediction Center lists 32 hail reports within 5 miles of Pikeville between 1955 and 2015; the biggest stones, 2 inches, fell on May 6, 1984. Reports of 2-inch or bigger hail number 1 in that span. NOAA Storm Prediction Center records list 4 tornadoes that began within 10 miles of Pikeville from 1950 through 2015, the strongest an F1 on June 4, 1983.
Looking at neighboring communities? Nearby home insurance pages: Graysville (13 mi), Dayton (13 mi), and Sale Creek (17 mi).
ZIP codes we insure in and around Pikeville
37367
More Tennessee insurance resources
Get home insurance quotes for Pikeville, TN
Freedom Insurance Group compares 25+ carriers for Pikeville residents. Begin a home quote online or call (800) 253-1482.
