This page covers homeowners coverage for Springfield, the local context, cost drivers, and a no-guesswork way to compare quotes.
Springfield, TN: local context
Springfield has roughly 16,808 residents in Robertson County.
Springfield lies within the Robertson County area, and there everyday insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family houses typical of the Robertson County area; replacement cost, roof age, and construction type still explain most premium differences block by block.
Pricing in Tennessee often build in tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
What residents pay for home insurance in Springfield
The typical homeowners insurance premium in Springfield, TN is about $1,822 annually for a typical local home (typical local home value about $235,200). 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 38% lower — near $1,130 per year for a typical home, roughly $1,321 for a $300,000 home, about $1,858 for a $600,000 home, and around $2,418 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 Springfield dwelling curve (typical local home value about $235,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Springfield, TN, using a typical local home value of about $235,200. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Why Springfield home insurance premiums differ
A handful of connected factors shape what Springfield homeowners pay, and carriers review them together when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Replacement cost is the amount needed to rebuild the home with comparable materials at today’s labor and supply prices. What the insurer might pay moves with the rebuild estimate, so larger Springfield rebuild numbers usually mean higher premiums.
Construction type and roof details round out the list: carriers want to know whether walls are frame or masonry, the roofing material, and how solidly the home is built, because those details shape how it fares in the wind, hail, and fire seen across Tennessee.
Location risk reflects storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Springfield, so two homes with similar rebuild costs may still price differently.
Insurers grade fire protection by the local protection class and hydrant and station distance; a stronger profile usually means a better rate.
Claims filed lately tied to the home or the household can raise the price for Springfield renewals as well as new policies, since claims history is a big rating factor.
Where state rules allow it, carriers may use a credit-based insurance score, and a better score tends to bring a lower price.
Homeowners coverage basics
- Dwelling (A): Rebuilding funds for the home itself after a covered loss. It should keep pace with current local construction costs.
- Other structures (B): Sheds, fences, detached garages, and the like separate from the main house are covered here.
- Personal property (C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): When repairs after a covered claim make the house unlivable, it can cover the extra living costs.
- Personal liability (Coverage E): Protection when you are legally responsible for another person’s injury or property damage arising from a covered event.
- Medical payments (Coverage F): Medical bills for guests injured on your property, often paid without a formal liability claim.
Savings opportunities for Springfield, 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% |
Discounts and their size depend on the carrier. “Up to” shows the maximum, not a guarantee.
Neighborhoods around Springfield
- Flats at Mooreland
- The Meadows
- Sleepy Hollows
- Belle Haven
- Green Hills
- Highland Estates
- Summit View
- Eden Pointe
Housing and weather facts for Springfield
Census survey estimates (ACS 2020–2024) show about 7,416 housing units in Springfield, and homeowners occupy about 56% of the occupied homes. Of all units, 74% are detached single-family houses, 19% are in buildings with two or more units, and 4.6% are mobile homes.
Half of Springfield’s homes were built in or before 1987. Roughly 42% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
Tornadoes are part of the picture too: NOAA recorded 5 tornadoes starting within 10 miles of Springfield in 2016–2025, with the strongest at EF2 during December 2023.
FEMA’s National Risk Index flags tornado (“Relatively Moderate”) and strong-wind (“Relatively Moderate”) in Robertson County.
NOAA storm records show 11 hail reports within about 5 miles of Springfield from 2016 through 2025 (8 at one inch or more). The largest measured 1.5 inches in April 2025 around Coopertown.
Occupied homes in Springfield are heated mostly with electricity (67%) and utility gas (31%).
The USGS GNIS lists these named communities and subdivisions in and around Springfield: Perry Park, Courtland, and Oakland. Rates can still differ from one section to the next based on build era, roof, and fire protection.
Since 2000, Robertson County has been part of 7 major disaster declarations; the most recent was Severe Winter Storm (February 2026).
Springfield was incorporated in 1819. Springfield’s population went from 14,329 at the 2000 Census to 16,440 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 19,842. Growth since 2000 comes to roughly 38%.
Going further back, the Storm Prediction Center lists 23 hail reports within 5 miles of Springfield between 1955 and 2015; the biggest stones, 2.5 inches, fell on April 3, 1974. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 12 tornadoes that began within 10 miles of Springfield from 1950 through 2015, the strongest an F2 on April 3, 1998.
Shopping around the area? We also have home insurance pages for Greenbrier (7 mi), Coopertown (8 mi), and Ridgetop (9 mi).
ZIP codes we cover near Springfield
37172
Bundling home and auto in Springfield, TN
The amounts shown show average bundling savings, not a promise. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Springfield, Tennessee | $250 | $456 | $630 |
Saving on home insurance in Springfield
- Get quotes from several carriers, since risk appetite varies.
- Bundle home and auto when it truly lowers the package price.
- Raise deductibles only if you can absorb the out-of-pocket cost.
- Ask about roof, alarm, and claims-free credits that apply to your home.
Keep exploring Tennessee coverage options
Request home insurance quotes in Springfield, TN
Freedom Insurance Group compares 25+ carriers for Springfield residents. Start a free home quote online or phone (800) 253-1482.
