Homeowner Insurance Costs in Hamilton County, TN

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

Est. Annual Premium

$1,380

Monthly Cost

$115

Median Home Value

$250,900

% of Income

2%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$250,900
Personal Property (C)$125,450
Liability (E)$300,000
Deductible$2,509

Cost Context

Homeownership Rate64.6%
Median Income$69,069
Property Tax Rate0.7%
Population367,193

About Insurance in Hamilton County

Homeowner insurance in Hamilton County, Tennessee costs an estimated $1,380 per year for a median-value home of $250,900. This represents approximately 2% of the median household income of $69,069.

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.