Home Insurance in La Vergne, Tennessee
With a median home value of $309,900, La Vergne is 19% lower than the Rutherford County median.
The typical home in La Vergne was built around 2001. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 4 points below Rutherford County's 7%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in La Vergne is 89% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 73% of owner-occupied homes in La Vergne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in La Vergne are owner-occupied.
82% of homes in La Vergne are primarily heated with electricity.
Rutherford County had 1,251 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Rutherford County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Tennessee carries a statewide average premium of $1,649 per year.
Key figures
| Median home value | $309,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Rutherford County | 1,251 |
| 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)