Compare homeowners insurance quotes in Sevierville, TN with Freedom Insurance Group. We compare 25+ carriers and work with you to match coverage to the home and vehicles you actually own.
What home insurance costs in Sevierville, TN
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$264,000) | $1,865 | $1,100 |
| $300,000 dwelling | $2,059 | $1,215 |
| $600,000 dwelling | $2,897 | $1,709 |
| $1,000,000 dwelling | $3,770 | $2,224 |
The typical homeowners insurance premium in Sevierville, TN is about $1,865 annually for a typical local home (typical local home value about $264,000). For a $300,000 dwelling, expect around $2,059 per year; for a $600,000 home about $2,897; and for a $1,000,000 dwelling about $3,770. Freedom Insurance Group rates are often about 41% lower — near $1,100 per year for a typical home, roughly $1,215 for a $300,000 home, about $1,709 for a $600,000 home, and around $2,224 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,601 |
| $200,000 – $300,000 | $1,789 |
| $300,000 – $400,000 | $2,197 |
| $400,000 – $500,000 | $2,487 |
| $500,000 – $600,000 | $2,768 |
| $600,000 – $700,000 | $2,988 |
| $700,000 – $800,000 | $3,171 |
| $800,000 – $900,000 | $3,410 |
| $900,000 – $1,000,000 | $3,650 |
Band premiums are midpoints on the Sevierville dwelling curve (typical local home value about $264,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Sevierville, TN, using a typical local home value of about $264,000. 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 Sevierville, TN
Sevierville has around 16,490 residents and sits in Sevier County.
Sevierville lies within the Sevier County area, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of the Sevier County area, but replacement cost, roof age, and construction type still explain most premium differences block by block.
Pricing in Tennessee often reflects tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Why Sevierville home insurance prices vary
A handful of connected factors go into the price for Sevierville homeowners, and underwriters weigh them as a set before quoting. Most of the price comes from rebuild cost, roof age and material, and local storm or wildfire exposure; deductible choice and claims history can change the final premium as much as the carrier brand itself.
Rebuilding the home in comparable materials at current labor and material costs is what replacement cost measures. Because the carrier’s largest possible payout grows with the rebuild estimate, higher estimates for Sevierville homes tend to push up premiums.
Construction type and roof details count as well: frame versus masonry walls, the roof covering, and overall build quality shape how a property holds up in wind, hail, and fire common across Tennessee.
Location risk explains why two comparable houses may not match on price: underwriters rate storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood across Sevierville.
A solid fire protection rating that reflects close hydrants, a nearby station, and a good protection class tends to make pricing more competitive.
Insurers look at claims history carefully; fresh claims tied to the home or the people in it often push the price up whether the Sevierville policy is new or renewing.
If state law permits, companies can use a credit-based insurance score, and a higher score tends to bring a lower price.
Home insurance discounts in Sevierville, 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% |
Carriers do not all offer the same discounts, and the amounts vary. “Up to” is the high end, not a promise.
The six parts of a home policy
- Dwelling (Coverage A): The limit that rebuilds the house after a covered loss. Match it to reconstruction costs in your area.
- Other structures (Coverage B): Detached garages, sheds, fences, and similar buildings that stand apart from the house fall here.
- Personal property (C): Covers the contents of the home: furniture, clothing, and everyday items. Valuables like jewelry can be subject to special limits.
- Loss of use (D): This coverage can help with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): When you are found legally liable for bodily injury or property damage to others after a covered incident, this coverage steps in.
- Medical payments (F): It can help pay guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Home-and-auto bundles in Sevierville, TN
The figures below show average bundling savings, not a quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Sevierville, Tennessee | $274 | $458 | $642 |
Sevierville housing stock and storm history
The median home in Sevierville was built in 1994. There is a spread of ages: 25% predate 1980 and 20% went up in 2010 or later.
Named communities and subdivisions in USGS place-name records near Sevierville include Yettland Park, Catlettsburg, Union Hill, and Alder Branch. Each area can price differently because of roof age, construction, and fire-station distance.
Occupied homes in Sevierville are heated mostly with electricity (80%) and utility gas (19%).
NOAA’s Storm Events Database lists 9 hail reports within about 6 miles of Sevierville from 2016 through 2025 (6 at one inch or more). The largest measured 1.75 inches in February 2025.
Tornado history matters here as well: NOAA logged 1 tornado touching down within 10 miles of Sevierville between 2016 and 2025, the most intense an EF0 during January 2023.
In FEMA’s National Risk Index, Sevier County rates above the low end for tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”).
From 2000 on, Sevier County has appeared in 9 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
ACS 2020–2024 estimates put about 9,631 housing units in Sevierville, and owner-occupants live in close to 51% of the occupied homes. Looking at building types, 46% are detached single-family houses, 44% are in buildings with two or more units, and 6.4% are mobile homes.
Sevierville dates its official start to 1795. The town is named for John Sevier. Census counts put Sevierville at 11,757 residents in 2000 and 14,807 in 2010, and the Census Bureau’s July 2024 estimate is 18,231. Growth since 2000 comes to roughly 55%.
Older NOAA hail logs add more history: the Storm Prediction Center lists 17 hail reports within 5 miles of Sevierville between 1955 and 2015; the biggest stones, 1.75 inches, fell on May 20, 2006. NOAA Storm Prediction Center records list 1 tornado that began within 10 miles of Sevierville from 1950 through 2015: an EF0 on April 27, 2011.
Looking at neighboring communities? See our home insurance pages for Pigeon Forge (6 mi), Seymour (10 mi), and Gatlinburg (12 mi).
ZIP codes we cover near Sevierville
37764 · 37862 · 37864 · 37876
More Tennessee coverage resources
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In Sevierville, Freedom Insurance Group compares 25+ carriers. Begin a home quote online or call (800) 253-1482.
