Shopping home coverage for a Rogersville household does not have to be a runaround; Freedom Insurance Group handles the legwork. Ask for a quote online or call (800) 253-1482.
Homeowners insurance rates in Rogersville, TN
| Scenario | Market estimate | Freedom Insurance Group example (42% less) |
|---|---|---|
| Typical Rogersville home (~$160,000) | $1,676/yr | $972/yr |
| $300,000 dwelling | $2,130/yr | $1,235/yr |
| $600,000 dwelling | $2,997/yr | $1,738/yr |
| $1,000,000 dwelling | $3,900/yr | $2,262/yr |
The typical homeowners insurance premium in Rogersville, TN is about $1,676 annually for a typical local home (typical local home value about $160,000). 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 $972 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 Rogersville dwelling curve (typical local home value about $160,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Rogersville, TN, using a typical local home value of about $160,000. 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.
What moves home insurance rates in Rogersville
Rogersville homeowners are priced on several related factors that underwriters weigh when they build a quote. The deductible you choose and your claims history can change the final price as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Think of replacement cost as what rebuilding would cost your home using similar materials at current labor and supply costs. What the insurer might pay follows the rebuild estimate, so larger Rogersville rebuild numbers tend to mean bigger premiums.
Construction type and roof details play a role too: frame versus masonry walls, roof covering, and overall build quality shape how a property fares in wind, hail, and fire that are common across Tennessee.
Location risk is the reason similar homes can price differently: underwriters rate storm, hail, wildfire, and crime exposure by ZIP code and neighborhood in Rogersville.
Fire protection weighs distance to hydrants and fire stations together with the area’s protection class, and a stronger protection profile may earn more competitive pricing.
Carriers check claims history carefully; a recent loss tied to the home or the people in it tend to push rates up for Rogersville renewals and new policies.
In states that allow it, companies can use a credit-based insurance score, and a stronger score usually means a lower price.
About Rogersville, TN
About 4,383 people live in Rogersville and lies within Hawkins County.
Rogersville lies within the Hawkins County area, where routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Hawkins County area; replacement cost, roof age, and construction type still drive most premium differences from street to street.
Tennessee home premiums often build in tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Homeowners discounts in Rogersville, 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 sets its own discounts and amounts. “Up to” marks the top of the range, not a guarantee.
Homeowners policy coverages, A through F
- Coverage A, dwelling: It pays to rebuild the house itself after a covered loss, and it should match what rebuilding costs locally right now.
- Other structures (Coverage B): This part protects detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Coverage C, personal property: Furniture, clothing, and the other things you own inside the house are protected, though special limits can cap higher-value categories.
- Loss of use (D): This coverage can help with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): This applies when you are legally responsible for injuring someone or damaging their property caused by a covered incident.
- Medical payments (F): It can help pay guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Rogersville, TN bundling home and auto
These show average bundling savings, not a guaranteed quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Rogersville, Tennessee | $240 | $430 | $620 |
Local housing and storm data: Rogersville
NOAA’s Storm Events Database lists 2 hail reports within about 5 miles of Rogersville from 2016 through 2025; 2 were one inch or bigger. The largest was 1 inch in March 2021.
Half of Rogersville’s homes were built in or before 1966. Roughly 73% of homes were built before 1980, so system and roof updates often come up in underwriting.
From 2000 on, Hawkins County has appeared in 6 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
Home heating in Rogersville runs mainly on utility gas (52%) and electricity (46%).
Census survey estimates (ACS 2020–2024) show about 2,042 housing units in Rogersville, and homeowners occupy about 54% of the occupied homes. Looking at building types, 66% are detached single-family houses and 30% are in buildings with two or more units.
The National Risk Index from FEMA shows elevated ratings for winter-weather (“Relatively Moderate”) and strong-wind (“Relatively Moderate”) in Hawkins County.
Named communities and subdivisions in USGS place-name records near Rogersville include Guntown, Petersburg, Henardtown, and McDonald Hill. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
Rogersville dates its official start to 1789. Census counts put Rogersville at 4,240 residents in 2000 and 4,420 in 2010, and the Census Bureau’s July 2024 estimate is 4,720. Numbers have held fairly steady since 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 12 hail reports within 5 miles of Rogersville between 1955 and 2015; the biggest stones, 4.25 inches, fell on April 9, 2011. Reports of 2-inch or bigger hail number 1 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 2 tornadoes that began within 10 miles of Rogersville from 1950 through 2015; the most powerful, rated F2, touched down on March 5, 1955.
Shopping around the area? See our home insurance pages for Surgoinsville (9 mi), Mooresburg (13 mi), and Sneedville (14 mi).
ZIP codes we serve in and around Rogersville
37857
See more Tennessee coverage guides
Rogersville, TN home insurance quotes
Freedom Insurance Group checks 25+ carriers for Rogersville households. Reach us at (800) 253-1482 or begin a free home quote online.
