Use Freedom Insurance Group to compare homeowners insurance quotes for Pine Crest, TN. We check 25+ carriers and help you match coverage to the home and vehicles you actually own.
Average homeowners insurance cost in Pine Crest, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$181,100) | $1,716 | $995 |
| $300,000 dwelling | $2,130 | $1,235 |
| $600,000 dwelling | $2,997 | $1,738 |
| $1,000,000 dwelling | $3,900 | $2,262 |
The typical homeowners insurance premium in Pine Crest, TN is about $1,716 annually for a typical local home (typical local home value about $181,100). 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 $995 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 Pine Crest dwelling curve (typical local home value about $181,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Pine Crest, TN, using a typical local home value of about $181,100. 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.
About Pine Crest, TN
Around 2,633 people live in Pine Crest in Tennessee.
Pine Crest is part of Tennessee, where routine insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Homes are mostly single-family houses like those across Tennessee; replacement cost, roof age, and construction type still explain most premium differences block by block.
Pricing in Tennessee often reflect tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Home insurance price factors in Pine Crest
A homeowners quote in Pine Crest rests on several connected factors that carriers check side by side. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Define replacement cost as the price of rebuilding the home with comparable materials at current labor and supply costs. The maximum payout tracks the rebuild estimate, so bigger estimates on Pine Crest homes usually mean higher premiums.
Whether walls are frame or masonry, the roof covering, and overall build quality all shape how the property fares in Tennessee’s wind, hail, and fire events, so construction type and roof details carry weight.
Scores for storms, hail, wildfire, and crime drive location risk, and they vary by ZIP code and neighborhood in Pine Crest, so houses with comparable rebuild costs can still get different prices.
Fire protection looks at distance to hydrants and fire stations together with the local protection class, and a stronger protection profile can support lower premiums.
A recent claim tied to the home or the household can raise premiums whether a Pine Crest policy is renewing or new, since claims history remains a major rating input.
Credit-based insurance score, where permitted by state rules, is another lever; higher scores typically bring lower prices when the carrier uses that factor.
Discounts for Pine Crest, 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% |
Each company decides which discounts it offers and how large they are. Treat “up to” as the top end, not a guarantee.
Home insurance coverage basics
- Dwelling (Coverage A): Money to rebuild the structure after a covered loss. Match it to current local construction costs.
- Other structures (Coverage B): This handles anything detached from the main house, such as a shed, fence, or garage.
- Personal property (Coverage C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (Coverage D): Extra living expenses until repairs are done after a covered claim forces you out.
- Personal liability (Coverage E): Coverage for times when you are legally on the hook for injuries to others or damage to their property from a covered incident.
- Medical payments (F): For guests injured on your property, this covers medical costs, usually without a liability claim being filed.
Bundling home and auto in Pine Crest, TN
Illustrative average bundling savings, not guaranteed. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Pine Crest, Tennessee | $254 | $512 | $638 |
Neighborhoods around Pine Crest
- Okolona Estates
- Buffalo View
- Cedar Grove
- Roan Hill
- Martindale Estates
- Plymouth Park
- Hillmont Heights
- Sunset
- Shenandoah Heights
- South Gate Village
- Breezy Hills
- Hiwassee Heights
- Melrose
- Garland Acres
- Georgia Terrace
- Reece Terrace
- Rolling Hills
- East Park
- Holly Hill
- Hickory Lake
Pine Crest housing stock and storm history
Half of Pine Crest’s homes were built in or before 1976. About 57% of homes predate 1980, which means system and roof updates can change eligibility and price.
The National Risk Index from FEMA shows elevated ratings for strong-wind (“Relatively High”) in Carter County.
Named communities and subdivisions in USGS place-name records near Pine Crest include Hidden Oaks, College Park, Okolona Estates, Wildwood, Buffalo View, and Martindale Estates. Each area can price differently because of roof age, construction, and fire-station distance.
The Census Bureau’s 2020–2024 American Community Survey counts about 963 housing units in Pine Crest, and homeowners occupy about 72% of the occupied homes. Of all units, 61% are detached single-family houses, 20% are in buildings with two or more units, and 16% are mobile homes.
NOAA storm records show 1 hail report within about 5 miles of Pine Crest from 2016 through 2025; it measured at least an inch. The biggest was 1 inch in May 2019 near Y Section.
Home heating in Pine Crest runs mainly on electricity (81%), utility gas (8.8%), and propane or other bottled gas (4.9%). Propane tanks and wood stoves are worth mentioning on an application, because they can affect eligibility.
From 2000 on, Carter County has appeared in 7 major disaster declarations; the latest is Severe Winter Storm (February 2026).
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 24 hail reports within 5 miles of Pine Crest between 1955 and 2015; the biggest stones, 2.75 inches, fell on June 1, 1969. 2 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 5 tornadoes that began within 10 miles of Pine Crest from 1950 through 2015, the strongest an F3 on July 10, 1980. That tornado’s record lists 12 injuries.
Comparing homes in nearby towns? We also have home insurance pages for Central (3 mi), Unicoi (5 mi), and Elizabethton (5 mi).
ZIP codes we cover near Pine Crest
37714
Keep exploring Tennessee coverage options
Pine Crest, TN homeowners quotes
Freedom Insurance Group shops 25+ carriers on behalf of Pine Crest homeowners. Request a free home quote online or phone (800) 253-1482.
