Home Insurance in Pleasant View, Tennessee
Homes in Pleasant View carry a median value of $390,900 - 15% higher than the Cheatham County median.
The typical home in Pleasant View was built around 2000. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 2 points above Cheatham County's 10%.
In Pleasant View, the housing stock is 97% single-family homes and 3% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Pleasant View have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Pleasant View are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pleasant View, 65% of homes are primarily heated with electricity.
FEMA rates Cheatham County's overall risk as Relatively Low, led by earthquake (Relatively Low). Cheatham County had 416 active NFIP flood policies as of September 2026. See the full Cheatham County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Tennessee is $1,649 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $390,900 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Cheatham County | 416 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)