Home Insurance in Dover, Tennessee
Homes in Dover carry a median value of $203,500 - close to the Stewart County median.
The typical home in Dover was built around 1978. About 16% of homes were built before 1960, about 4 points above Stewart County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Dover breaks down to 81% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in Dover have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Dover are owner-occupied.
Most homes in Dover - 81% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Stewart County had 36 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Stewart County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $203,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Stewart County | 36 |
| 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)