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Blount County, TN Homeowners Insurance Quotes

Shopping online for homeowners insurance rates in Blount County is easy with our online quoting application process. We can provide the most affordable premiums and coverage options while comparing up to 12 major carriers to help you find the best home insurance policy for you and your family in Tennessee.

For Blount County TN homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind and hail damage and so much more.

Blount County Home Insurance Rates

Blount County, TN homeowners are now averaging around $108.00 per month for a basic homeowners policy. For Tennessee residents, this amounts to $1296 per year for a standard home policy for homeowners living in Blount County, TN. In comparison, the national average for home insurance premiums is around 1,249 per year. Tennessee is now ranked #21 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Blount County, TN so you can save up to 40% or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the best rates and coverage options for you.

For all Blount County, TN residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Blount County? Simply enter your zip code to get your Tennessee homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Blount County, TN Housing Demographics

With 123,010 residents living within the Blount County area there are over 55,266 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 34,764 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Blount County.

DemographicValues
Total Occupied Households49,265
Family Households (families)34,764
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units55,266

Blount County, TN Home Insurance Average Premiums

Local Blount, TN homeowners insurance quotes comparison

$977 /yr.

Tennessee's Average Home Insurance Rates Overall

For the state of Tennessee, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 21 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$681 /yr.
Current Average Cost:$977 /yr.
Maximum Range:$1296 /yr.

Tennessee Homeowners Insurance News & Information

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

Discounts For Homeowners in Blount County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Tennessee homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Blount County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Blount County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Blount County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Blount County Housing & Real Estate Data

Details:Statistics
Total Housing Units55266
Occupied Housing Units49265
Vacant Housing Units6001
Vacant Housing Units for Rent1638
Vacant Housing Units Rented Not Occupied71
Vacant Housing Units For Sale929
Vacant Housing Units Sold Not Occupied210
Vacant Housing Units For Seasonal Occasional Use1557
Vacant Housing Units All Other Vacants1596
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units49265
Housing Tenure Occupied Units Owner Occupied36531
Housing Tenure Occupied Units Owner Occupied Population91052
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied12734
Housing Tenure Occupied Units Renter Occupied Population29931
Housing Tenure Occupied Units Renter Occupied Average Household Size2