Insurance in Auburntown, TN

What we cover in Auburntown

Pick a coverage to quote or buy — or book a consult and we'll sort it out together.

Insurance in Auburntown: the local picture

What truly shapes our insurance needs here, though, is the weather. We've seen our share of severe storms, hail, and even tornadoes. This isn't just talk; it's why having solid wind and hail coverage on your homeowners' policy is critical – sometimes with specific deductibles for these perils. And don't forget your vehicles; comprehensive auto coverage is your best friend when hail starts falling. While specific flood maps for Auburntown are something everyone should check on the FEMA and First Street Foundation sites, remember that Marshall Creek can bring localized water issues, so considering a separate flood insurance policy is always a smart move.

Population: 272 (2020)

Housing in Auburntown

However, in small rural Tennessee towns of this size, housing stock often includes a mix of older frame homes, some brick residences, and manufactured homes. The varied housing types would lead to a range of replacement costs and roof types, with older homes potentially requiring more substantial roof replacements.

Major local employers & who's hiring

• Cannon County School District — Education hiring
• Ascension Saint Thomas Stones River Hospital — Healthcare hiring
• Patrick Automation — Manufacturing/Industrial Services

Local Auburntown businesses

A few businesses that call Auburntown home — independent of our agency.

• Synergy Roofing Services — Roofing Contractor
• Premiere Paving and Asphalt (RoadForge) — Paving Contractor
• Motor Medic (FT Smith Towing) — Auto Repair / Towing Service
• Auburntown Cafe — Restaurant
• Shamrock Septic Service — main-street
• United States Postal Service — main-street
• Navarro Brothers Roofing — main-street
• Dollar General — main-street
• First Class Contractors, LLC — main-street
• Robbins Plumbing and Drain Cleaning LLC — main-street
• Bigfoot Military Tires — main-street

Local landmarks & geography

• Marshall Creek — The presence of Marshall Creek within Auburntown's zip code indicates a potential for localized flood risk, especially for properties adjacent to or near the creek during heavy rainfall or flash flood events. This affects flood insurance considerations.
• Auburntown Historic Main Street / Town Hall & Historical Society — The Auburntown Town Hall & Historical Society is located in a historic 1922 brick-built bank building on Main Street. Properties in historic districts or historic buildings often have higher reconstruction costs due to the need for specialized materials, craftsmanship, and adherence to preservation guidelines, which can impact property insurance values and premiums.
• Interstate 24 — Interstate 24 passes near Auburntown, specifically between mile markers 89 and 91. Proximity to a major interstate can affect property values due to noise, traffic, and accessibility. Additionally, major transportation corridors can be areas of higher exposure to severe weather events like hail and strong winds, impacting wind and hail coverage.
• Cedars of Lebanon State Park — Located approximately 20 miles west of Auburntown, the proximity to a state park can positively influence surrounding property values due to recreational opportunities. While not a direct risk in Auburntown itself, properties at the fringes of such natural areas might have considerations regarding wildfire risk, depending on specific local conditions.
• No Major University — There is no university or college located directly within Auburntown, TN. This affects local economic drivers related to student housing, faculty employment, and campus-related amenities, which can indirectly influence property values and commercial insurance needs.
• No Major Plant — While manufacturing is a noted employment sector in Auburntown, no specific major manufacturing plant or large employer was identified as being located directly within Auburntown, TN through web searches. This means the town's economy is not heavily reliant on a single large industrial employer, which can affect commercial property values and associated insurance risks.

Local facts that shape your coverage

• As of the 2020 census, the population of Auburntown, Tennessee, was 272, an increase from 269 in 2010. — High
• The Auburntown, TN area has had 2 reports of on-the-ground hail by trained spotters and has been under severe weather warnings 14 times during the past 12 months. Doppler radar has detected hail at or near Auburntown, TN on 50 occasions, including 4 occasions during the past year. — High
• On May 31, 2001, a confirmed tornado occurred in the Auburntown area of Middle Tennessee as part of a severe weather event that produced two confirmed tornadoes. — High
• Auburntown is located in Cannon County, Tennessee, United States. — Medium
• As of the 2020 census, the population of Auburntown, Tennessee, was 272. — Population size can influence local infrastructure, emergency response capabilities, and the overall risk profile of a community, affecting insurance rates and availability.
• Insuring historic properties, such as those potentially found on Auburntown Historic Main Street, can be more challenging due to fewer willing insurers and soaring premiums. — Homeowners of historic properties may face higher costs and require specialized coverage to protect their unique and often irreplaceable structures.

Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · weather.gov · savingplaces.org · k12jobspot.com · healthcare.ascension.org. Estimates — verify current details with the original source.

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Insurance requirements in Tennessee

Tennessee is an at-fault state requiring liability coverage for every driver. Parts of Tennessee face severe storms and flooding, so it's worth reviewing whether flood and adequate wind coverage fit your situation. We compare Tennessee-admitted carriers to match the state's requirements to the coverage you actually need. Verify current state minimums with the Tennessee Department of Commerce & Insurance.

Auburntown, TN insurance — common questions

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