Homeowner Insurance Costs in Fayette County, TN

How much does homeowner insurance cost in Fayette County? Here's what to expect.

Est. Annual Premium

$1,554

Monthly Cost

$130

Median Home Value

$282,600

% of Income

1.9%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$282,600
Personal Property (C)$141,300
Liability (E)$300,000
Deductible$2,826

Cost Context

Homeownership Rate81.6%
Median Income$81,074
Property Tax Rate0.4%
Population42,228

About Insurance in Fayette County

Homeowner insurance in Fayette County, Tennessee costs an estimated $1,554 per year for a median-value home of $282,600. This represents approximately 1.9% of the median household income of $81,074.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Tennessee

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.