Freedom Insurance Group serves Surgoinsville, TN with side-by-side homeowners quotes from 25+ companies.
A closer look at Surgoinsville, TN
Surgoinsville counts about 1,788 residents, located in Hawkins County.
In a smaller Tennessee community such as Surgoinsville, insurance comes down to local construction, access to fire protection, and regional storm patterns.
Homes are mostly single-family properties typical of the Hawkins County area; rebuild cost, roof age, and construction still explain most premium differences block by block.
Pricing in Tennessee often reflects tornado and severe-storm risk, with flood questions near rivers and low-lying areas.
Homeowners pricing in Surgoinsville, TN
The typical homeowners insurance premium in Surgoinsville, TN is about $1,695 annually for a typical local home (typical local home value about $170,000). 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 $983 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 Surgoinsville dwelling curve (typical local home value about $170,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Surgoinsville, TN, using a typical local home value of about $170,000. 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.
Homeowners policy coverages, A through F
- Dwelling (A): Money to rebuild the structure after a covered loss. Match it to reconstruction costs in your area.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like separate from the main house are protected by this part.
- Personal property (Coverage C): Covers the contents of the home: furniture, clothing, and everyday items. Valuables like jewelry often carry sublimits.
- Coverage D, loss of use: This helps with additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (E): When you are found legally liable for injuring another person or damaging their things after a covered incident, it applies.
- Medical payments (Coverage F): When a guest gets hurt on your property, this covers medical costs, usually without a liability claim being filed.
Home insurance discounts in Surgoinsville, 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% |
Which discounts apply and how much they are worth differ from carrier to carrier. Read “up to” as the maximum, not a guarantee.
Home insurance price factors in Surgoinsville
Underwriters put together a Surgoinsville policy quote from several overlapping factors. The biggest movers are usually rebuild cost, roof age and material, and exposure to storms or wildfire; deductible choice and claims history can move the final premium as much as which carrier you pick.
Putting the house back in comparable materials at current labor and material costs is what replacement cost captures. Higher rebuild estimates for Surgoinsville properties generally raise premiums because the carrier’s maximum payout grows with that figure.
Frame or masonry walls, what the roof is made of, and how well the house is built each affect how a house performs against Tennessee’s wind, hail, and fire events, which is why construction type and roof details matter too.
Similar Surgoinsville houses with similar rebuild costs can still price differently because of location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
Fire protection matters as well: a hydrant close by, quick fire-station response, and a good protection class rating may all help the price.
Claims history is still a major rating input: recent claims on the property or household frequently raise rates for Surgoinsville renewals and new business quotes too.
Credit-based insurance score, where state rules allow it, is one more factor; higher scores typically bring cheaper premiums when the carrier uses it.
Surgoinsville, TN bundling home and auto
The figures below show average bundling savings, not a guaranteed quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Surgoinsville, Tennessee | $246 | $516 | $708 |
Local housing and storm data: Surgoinsville
ACS 2020–2024 estimates put about 852 housing units in Surgoinsville, and owner-occupants live in about 86% of the occupied homes. Of all units, 85% are detached single-family houses and 11% are mobile homes.
NOAA lists no hail reports plotted within about 5 miles of Surgoinsville for 2016–2025, but Hawkins County recorded 19 hail reports countywide, topping out at 2 inches.
In FEMA’s National Risk Index, Hawkins County rates above the low end for winter-weather (“Relatively Moderate”) and strong-wind (“Relatively Moderate”).
Half of Surgoinsville’s homes were built in or before 1982. About 48% of homes predate 1980, which means system and roof updates can change eligibility and price.
For heat, Surgoinsville households mostly rely on electricity (59%), utility gas (36%), and propane or other bottled gas (3.3%). Wood stoves and propane tanks should be disclosed when you apply, because they can affect eligibility.
From 2000 on, Hawkins County has been part of 6 major disaster declarations; the latest is Severe Winter Storm (February 2026).
Surgoinsville’s population went from 1,484 at the 2000 Census to 1,801 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 1,930. That is growth of roughly 30% since 2000.
Going further back, the Storm Prediction Center lists 5 hail reports within 5 miles of Surgoinsville between 1955 and 2015, topped by hail of 1 inch on January 8, 1998. The NOAA Storm Prediction Center database shows 1 tornado that began within 10 miles of Surgoinsville from 1950 through 2015: an F2 on March 5, 1955.
Looking at neighboring communities? We also have home insurance pages for Church Hill (9 mi), Rogersville (9 mi), and Mount Carmel (12 mi).
ZIP codes we serve in and around Surgoinsville
37873
