Tennessee Homeowners Insurance (August 23)
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Are you looking to get the best home insurance quotes in Tennessee? We have reviewed all the major insurers to guide you in finding the best homeowners insurance in Tennessee.
Key Takeaways
- Tennessee homeowners insurance costs around $2,085 annually.
- Insurers offer home insurance policies in the state starting at around $1,433 annually.
- Always buy additional sinkhole insurance, as standard home insurance policies don’t cover sinkholes.
Tennessee homeowners insurance: What you need to know
On average, homeowners insurance in Tennessee costs around $2,085 annually. The rate is higher than the national average rate.
The weather in Tennessee can be unpredictable as it experiences tornado season in the spring and fall, as well as heavy rainstorms in the summer. So it is a must to have a home insurance policy that offers adequate coverage. We’ve got you covered in finding the best Tennessee home insurance!
What does a homeowners insurance policy cover?
A typical home insurance policy cover Dwelling, Liability, Medical Payments to Others, Personal Property, Other Structures, and Additional Living Expenses. However, you can also buy these coverages in the state.
- Flood insurance: Flooding causes considerable damage to homes in Tennessee. However, a standard home insurance policy doesn’t cover flood damage. So you can buy one via a private insurer or FEMA.
- Sinkhole insurance: Tennessee is one of the states most susceptible to sinkhole damage. Standard home insurance policies don’t offer coverage for Sinkholes. So if your area is at risk, purchase a separate sinkhole insurance policy to protect your property.
- Wildfire insurance: Wildfires are becoming common in the state. There were around 550 wildfires in 2021, burning around 4,935 acres.
What isn’t covered by a typical homeowners insurance policy?
A home insurance policy doesn’t cover flooding, earthquakes, power outages, nuclear threats, war, insect and vermin infestations, wear and tear, sinkholes, or intentional loss. To confirm the coverages you get, thoroughly check your policy before purchasing one.
The cheapest home insurance companies in Tennessee
With an average yearly rate of $1,433, Shelter offers the most inexpensive homeowners insurance in Tennessee. It is $652 less than the state average rate. You can even get a more reasonable Tennessee home insurance policy if you get and compare quotes from all the insurers in your state.
| Insurer | Average annual rate |
|---|---|
| Shelter | $1,433 |
| AAA | $1,562 |
| USAA | $1,710 |
| Travelers | $1,820 |
| Erie | $1,861 |
The best homeowners insurance in Tennessee for those with poor credit
Insurers consider low credit scores a sign of risky behavior, indicating financial instability and more frequent home insurance claims. So, many insurers charge significantly higher rates. With a yearly average rate of $2,059, Farm Bureau offers the most inexpensive homeowners insurance in Tennessee for those with poor credit.
| Insurer | Average annual rate |
|---|---|
| Farm Bureau Insurance of Tennessee | $2,059 |
| USAA | $2,751 |
| Allstate | $2,800 |
| State Farm | $4,764 |
| Travelers | $18,925 |
The best homeowners insurance in Tennessee for pool owners
Some insurers may charge you high insurance rates if you have a pool in your home. It is due to the increased probability of injuries and ensuing liability claims. Allstate has the lowest home insurance rates for Tennessee homes with swimming pools, with an average rate of $1,661 annually.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,661 |
| USAA | $1,662 |
| Farm Bureau Insurance of Tennessee | $2,059 |
| State Farm | $2,778 |
| Travelers | $8,286 |
The best homeowners insurance in Tennessee for dog owners
Many insurers charge you higher premiums if you own a dog breed that the insurer considers ‘dangerous.’ Allstate has the lowest rates in Tennessee for a home with a dangerous dog breed, with an average rate of $1,625 yearly.
| Insurer | Average annual rate |
|---|---|
| Allstate | $1,625 |
| USAA | $1,662 |
| Farm Bureau Insurance of Tennessee | $2,059 |
| State Farm | $2,778 |
| Travelers | $7,534 |
Homeowners insurance deductibles in Tennessee
While buying a home insurance policy, homeowners must make several choices, including the deductible amount. A deductible is a sum you must pay out of pocket for a claim under your insurance policy. When deciding on a deductible, remember that the lower your deductible, the higher your insurance premiums will be. So, if you want lower the rate of home insurance in Tennessee, keep your deductible as high as possible. These are the typical deductibles offered by the insurers in the state.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $1,838 |
| $1000 | $1,709 |
| $1500 | $1,618 |
| $2000 | $1,530 |
| $5000 | $1,335 |
Tennessee home insurance prices by coverage levels
The coverage level you choose substantially impacts the rate of your homeowners insurance in TN. Carrying $100,000 in dwelling coverage costs an average of $943 annually in Tennessee. At the same time, carrying coverage up to $400,000 costs as much as $2,551 annually.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $943 |
| $200,000 | $1,471 |
| $250,000 | $1,709 |
| $400,000 | $2,551 |
Tennessee homeowners insurance costs by city
The rate of Tennessee homeowners insurance can vary by the place you live. Factors like ZIP Code, construction material costs in your area, and the crime rate in your area can significantly impact your homeowners insurance rate in Tennessee. The following are the average home insurance rates in various cities.
| City | Average annual rate |
|---|---|
| Adams | $2,051 |
| Adamsville | $2,363 |
| Afton | $1,800 |
| Alamo | $2,422 |
| Alcoa | $1,699 |
| Alexandria | $2,118 |
| Algood | $1,986 |
| Allardt | $2,270 |
| Allons | $2,264 |
| Allred | $2,059 |
| Alpine | $2,093 |
| Altamont | $2,420 |
| Andersonville | $1,878 |
| Antioch | $1,911 |
| Apison | $1,843 |
| Ardmore | $2,198 |
| Arlington | $2,367 |
| Arnold Air Force Base | $2,635 |
| Arrington | $2,073 |
| Arthur | $2,368 |
| Ashland City | $2,139 |
| Athens | $2,006 |
| Atoka | $2,200 |
| Atwood | $2,359 |
| Auburntown | $2,172 |
| Bakewell | $2,649 |
| Banner Hill | $1,655 |
| Bartlett | $2,317 |
| Bath Springs | $2,341 |
| Baxter | $2,123 |
| Bean Station | $1,812 |
| Beech Bluff | $2,396 |
| Beechgrove | $2,307 |
| Beersheba Springs | $2,314 |
| Belfast | $2,206 |
| Bell Buckle | $2,227 |
| Belle Meade | $1,826 |
| Bells | $2,462 |
| Belvidere | $2,291 |
| Benton | $2,072 |
| Berry Hill | $1,852 |
| Bethel Springs | $2,396 |
| Bethpage | $2,253 |
| Big Rock | $2,173 |
| Big Sandy | $2,599 |
| Birchwood | $2,091 |
| Blaine | $1,889 |
| Bloomingdale | $1,547 |
| Bloomington Springs | $2,029 |
| Blountville | $1,568 |
| Bluff City | $1,588 |
| Bogota | $2,783 |
| Bolivar | $2,393 |
| Bon Aqua | $2,334 |
| Bon Aqua Junction | $2,169 |
| Braden | $2,692 |
| Bradford | $2,423 |
| Bradyville | $2,311 |
| Brentwood | $1,834 |
| Briceville | $2,010 |
| Brighton | $2,323 |
| Bristol | $1,516 |
| Brownsville | $2,379 |
| Bruceton | $2,387 |
| Brunswick | $2,724 |
| Brush Creek | $2,154 |
| Buchanan | $2,335 |
| Buena Vista | $2,355 |
| Buffalo Valley | $2,077 |
| Bulls Gap | $1,848 |
| Bumpus Mills | $2,189 |
| Burlison | $2,357 |
| Burns | $1,984 |
| Butler | $1,731 |
| Bybee | $1,881 |
| Byrdstown | $2,193 |
| Calhoun | $2,174 |
| Camden | $2,342 |
| Campaign | $2,730 |
| Carthage | $2,144 |
| Caryville | $1,934 |
| Castalian Springs | $2,225 |
| Cedar Grove | $2,420 |
| Cedar Hill | $2,198 |
| Celina | $2,256 |
| Centerville | $2,473 |
| Central | $1,591 |
| Chapel Hill | $2,245 |
| Chapmansboro | $2,057 |
| Charleston | $1,899 |
| Charlotte | $2,111 |
| Chattanooga | $1,903 |
| Chestnut Mound | $2,087 |
| Chewalla | $2,700 |
| Christiana | $2,227 |
| Chuckey | $1,688 |
| Church Hill | $1,608 |
| Clairfield | $1,913 |
| Clarkrange | $2,161 |
| Clarksburg | $2,390 |
| Clarksville | $1,994 |
| Cleveland | $1,846 |
| Clifton | $2,463 |
| Clinton | $1,824 |
| Coalfield | $1,937 |
| Coalmont | $2,350 |
| Coker Creek | $2,683 |
| College Grove | $2,087 |
| Collegedale | $1,807 |
| Collierville | $2,301 |
| Collinwood | $2,324 |
| Colonial Heights | $1,568 |
| Columbia | $2,081 |
| Como | $2,735 |
| Conasauga | $2,536 |
| Cookeville | $1,943 |
| Coopertown | $1,945 |
| Copperhill | $1,936 |
| Cordova | $2,344 |
| Cornersville | $2,276 |
| Corryton | $1,745 |
| Cosby | $1,908 |
| Cottage Grove | $2,444 |
| Cottontown | $2,024 |
| Counce | $2,344 |
| Covington | $2,408 |
| Cowan | $2,355 |
| Crab Orchard | $2,262 |
| Crawford | $2,117 |
| Crockett Mills | $2,758 |
| Cross Plains | $2,070 |
| Crossville | $2,047 |
| Crump | $2,326 |
| Culleoka | $2,219 |
| Cumberland City | $2,106 |
| Cumberland Furnace | $2,099 |
| Cumberland Gap | $1,863 |
| Cunningham | $2,073 |
| Cypress Inn | $2,391 |
| Dandridge | $1,747 |
| Darden | $2,383 |
| Dayton | $2,045 |
| Decatur | $2,263 |
| Decaturville | $2,402 |
| Decherd | $2,346 |
| Deer Lodge | $2,456 |
| Del Rio | $1,897 |
| Delano | $2,103 |
| Dellrose | $2,160 |
| Denmark | $2,499 |
| Dickson | $2,013 |
| Dixon Springs | $2,322 |
| Dover | $2,207 |
| Dowelltown | $2,104 |
| Doyle | $2,149 |
| Dresden | $2,404 |
| Drummonds | $2,483 |
| Duck River | $2,255 |
| Ducktown | $2,693 |
| Duff | $2,050 |
| Dukedom | $2,370 |
| Dunlap | $2,269 |
| Dyer | $2,386 |
| Dyersburg | $2,418 |
| Eads | $2,370 |
| Eagan | $2,458 |
| Eagleton Village | $1,727 |
| Eagleville | $2,170 |
| East Cleveland | $1,842 |
| East Ridge | $1,847 |
| Eastview | $2,342 |
| Eaton | $2,783 |
| Eidson | $1,840 |
| Elgin | $2,540 |
| Elizabethton | $1,585 |
| Elkton | $2,678 |
| Ellendale | $2,724 |
| Elmwood | $2,169 |
| Elora | $2,337 |
| Englewood | $2,146 |
| Enville | $2,368 |
| Erin | $2,122 |
| Erwin | $1,659 |
| Estill Springs | $2,233 |
| Ethridge | $2,611 |
| Etowah | $2,101 |
| Eva | $2,296 |
| Evensville | $2,095 |
| Fairfield Glade | $1,883 |
| Fairmount | $1,782 |
| Fairview | $1,913 |
| Fall Branch | $1,657 |
| Falling Water | $1,817 |
| Farner | $2,023 |
| Farragut | $1,679 |
| Fayetteville | $2,122 |
| Fincastle | $1,917 |
| Finger | $2,361 |
| Finley | $2,523 |
| Five Points | $2,340 |
| Flag Pond | $1,709 |
| Flat Top Mountain | $1,831 |
| Flintville | $2,223 |
| Forest Hills | $1,835 |
| Fosterville | $2,562 |
| Frankewing | $2,195 |
| Franklin | $1,920 |
| Friendship | $2,541 |
| Friendsville | $1,773 |
| Fruitvale | $2,795 |
| Gadsden | $2,466 |
| Gainesboro | $2,199 |
| Gallatin | $1,897 |
| Gallaway | $2,775 |
| Gates | $2,470 |
| Gatlinburg | $1,820 |
| Georgetown | $1,875 |
| Germantown | $2,344 |
| Gibson | $2,773 |
| Gladeville | $2,525 |
| Gleason | $2,410 |
| Goodlettsville | $1,920 |
| Goodspring | $2,331 |
| Gordonsville | $2,124 |
| Grand Junction | $2,442 |
| Grandview | $2,260 |
| Granville | $2,131 |
| Gray | $1,622 |
| Graysville | $2,138 |
| Green Hill | $1,902 |
| Greenback | $1,949 |
| Greenbrier | $1,979 |
| Greeneville | $1,682 |
| Greenfield | $2,424 |
| Grimsley | $2,127 |
| Gruetli-Laager | $2,457 |
| Guild | $2,010 |
| Guys | $2,305 |
| Halls | $2,507 |
| Hampshire | $2,315 |
| Hampton | $1,671 |
| Harriman | $1,908 |
| Harrison | $1,829 |
| Harrogate | $1,836 |
| Hartford | $1,869 |
| Hartsville | $2,307 |
| Heiskell | $1,886 |
| Helenwood | $2,255 |
| Henderson | $2,293 |
| Hendersonville | $1,874 |
| Henning | $2,516 |
| Henry | $2,367 |
| Hermitage | $1,981 |
| Hickman | $2,148 |
| Hickory Valley | $2,403 |
| Hilham | $2,209 |
| Hillsboro | $2,319 |
| Hixson | $1,819 |
| Hohenwald | $2,377 |
| Holladay | $2,391 |
| Hollow Rock | $2,323 |
| Hopewell | $1,855 |
| Hornbeak | $2,549 |
| Hornsby | $2,262 |
| Humboldt | $2,341 |
| Hunter | $1,595 |
| Huntingdon | $2,382 |
| Huntland | $2,208 |
| Huntsville | $2,325 |
| Huron | $2,464 |
| Hurricane Mills | $2,303 |
| Idlewild | $2,790 |
| Indian Mound | $2,276 |
| Iron City | $2,434 |
| Jacks Creek | $2,381 |
| Jacksboro | $1,911 |
| Jackson | $2,274 |
| Jamestown | $2,291 |
| Jasper | $2,114 |
| Jefferson City | $1,703 |
| Jellico | $1,896 |
| Joelton | $2,011 |
| Johnson City | $1,569 |
| Jonesborough | $1,568 |
| Kelso | $2,198 |
| Kenton | $2,513 |
| Kimball | $2,124 |
| Kingsport | $1,543 |
| Kingston | $1,864 |
| Kingston Springs | $1,966 |
| Knoxville | $1,731 |
| Kodak | $1,770 |
| Kyles Ford | $1,810 |
| La Follette | $1,910 |
| La Grange | $2,741 |
| La Vergne | $2,216 |
| Laconia | $2,689 |
| Lafayette | $2,340 |
| Lake City | $1,919 |
| Lake Tansi | $1,966 |
| Lakeland | $2,364 |
| Lakesite | $1,822 |
| Lakewood | $1,899 |
| Lakewood Park | $2,307 |
| Lancaster | $2,226 |
| Lancing | $2,276 |
| Lascassas | $2,179 |
| Laurel Bloomery | $1,727 |
| Lavinia | $2,415 |
| Lawrenceburg | $2,298 |
| Lebanon | $1,997 |
| Lenoir City | $1,764 |
| Lenox | $2,792 |
| Leoma | $2,343 |
| Lewisburg | $2,295 |
| Lexington | $2,368 |
| Liberty | $2,143 |
| Limestone | $1,639 |
| Linden | $2,372 |
| Livingston | $2,040 |
| Lobelville | $2,336 |
| Lone Mountain | $2,371 |
| Lone Oak | $1,801 |
| Lookout Mountain | $1,911 |
| Loretto | $2,359 |
| Loudon | $1,804 |
| Louisville | $1,720 |
| Lowland | $1,742 |
| Lupton City | $1,971 |
| Luray | $2,338 |
| Luttrell | $1,873 |
| Lutts | $2,409 |
| Lyles | $2,171 |
| Lynchburg | $2,175 |
| Lynnville | $2,302 |
| Macon | $2,725 |
| Madison | $1,992 |
| Madisonville | $2,094 |
| Manchester | $2,132 |
| Mansfield | $2,377 |
| Martin | $2,275 |
| Maryville | $1,720 |
| Mascot | $1,779 |
| Mason | $2,385 |
| Maury City | $2,711 |
| Maynardville | $1,896 |
| McDonald | $1,856 |
| McEwen | $2,160 |
| McKenzie | $2,357 |
| McLemoresville | $2,752 |
| McMinnville | $2,278 |
| Medina | $2,273 |
| Medon | $2,400 |
| Memphis | $2,548 |
| Mercer | $2,363 |
| Michie | $2,380 |
| Middle Valley | $1,819 |
| Middleton | $2,378 |
| Midtown | $1,906 |
| Midway | $1,818 |
| Milan | $2,360 |
| Milledgeville | $2,357 |
| Millersville | $1,912 |
| Milligan College | $2,348 |
| Millington | $2,413 |
| Milton | $2,224 |
| Minor Hill | $2,282 |
| Mitchellville | $2,691 |
| Mohawk | $1,807 |
| Monroe | $2,083 |
| Monteagle | $2,303 |
| Monterey | $2,013 |
| Mooresburg | $1,789 |
| Morris Chapel | $2,392 |
| Morrison | $2,367 |
| Morristown | $1,661 |
| Moscow | $2,333 |
| Mosheim | $1,701 |
| Moss | $2,298 |
| Mount Carmel | $1,564 |
| Mount Juliet | $1,956 |
| Mount Pleasant | $2,197 |
| Mountain City | $1,672 |
| Mountain Home | $2,387 |
| Mowbray Mountain | $1,820 |
| Mulberry | $2,172 |
| Munford | $2,191 |
| Murfreesboro | $2,117 |
| Nashville | $1,960 |
| New Hope | $2,300 |
| New Johnsonville | $2,250 |
| New Market | $1,866 |
| New Tazewell | $1,856 |
| Newbern | $2,512 |
| Newcomb | $2,009 |
| Newport | $1,937 |
| Niota | $2,130 |
| Nolensville | $1,897 |
| Norene | $2,563 |
| Normandy | $2,122 |
| Norris | $2,506 |
| Nunnelly | $2,193 |
| Oak Grove | $1,620 |
| Oak Hill | $1,840 |
| Oak Ridge | $1,749 |
| Oakdale | $2,312 |
| Oakfield | $2,229 |
| Oakland | $2,295 |
| Obion | $2,437 |
| Ocoee | $2,015 |
| Old Fort | $1,931 |
| Old Hickory | $1,900 |
| Olivehill | $2,359 |
| Oliver Springs | $1,913 |
| Oneida | $2,318 |
| Only | $2,273 |
| Ooltewah | $1,781 |
| Orlinda | $2,342 |
| Pall Mall | $2,244 |
| Palmer | $2,309 |
| Palmersville | $2,423 |
| Palmyra | $2,048 |
| Paris | $2,256 |
| Park City | $2,121 |
| Parrottsville | $2,004 |
| Parsons | $2,304 |
| Pegram | $2,015 |
| Pelham | $2,250 |
| Petersburg | $2,247 |
| Petros | $2,521 |
| Philadelphia | $1,975 |
| Pickwick Dam | $2,768 |
| Pigeon Forge | $1,709 |
| Pikeville | $2,273 |
| Pine Crest | $1,585 |
| Piney Flats | $1,551 |
| Pinson | $2,359 |
| Pioneer | $2,143 |
| Piperton | $2,240 |
| Plainview | $1,867 |
| Pleasant Hill | $1,975 |
| Pleasant Shade | $2,334 |
| Pleasant View | $2,018 |
| Pocahontas | $2,361 |
| Portland | $2,131 |
| Powder Springs | $1,830 |
| Powell | $1,708 |
| Powells Crossroads | $2,252 |
| Primm Springs | $2,090 |
| Prospect | $2,244 |
| Pruden | $2,551 |
| Pulaski | $2,220 |
| Puryear | $2,366 |
| Quebeck | $2,140 |
| Ramer | $2,405 |
| Readyville | $2,300 |
| Reagan | $2,398 |
| Red Bank | $1,766 |
| Red Boiling Springs | $2,454 |
| Reliance | $2,119 |
| Riceville | $2,102 |
| Rickman | $1,990 |
| Riddleton | $2,280 |
| Ridgely | $2,607 |
| Ridgeside | $1,996 |
| Ridgetop | $1,974 |
| Ripley | $2,408 |
| Rives | $2,551 |
| Roan Mountain | $1,726 |
| Robbins | $2,387 |
| Rock Island | $2,261 |
| Rockford | $1,789 |
| Rockvale | $2,193 |
| Rockwood | $2,100 |
| Rocky Top | $1,887 |
| Rogersville | $1,695 |
| Rossville | $2,316 |
| Rugby | $2,528 |
| Rural Hill | $1,957 |
| Russellville | $1,717 |
| Rutherford | $2,424 |
| Rutledge | $1,876 |
| Sale Creek | $1,918 |
| Saltillo | $2,377 |
| Samburg | $2,782 |
| Santa Fe | $2,196 |
| Sardis | $2,434 |
| Saulsbury | $2,301 |
| Savannah | $2,438 |
| Scotts Hill | $2,402 |
| Selmer | $2,339 |
| Sequatchie | $2,257 |
| Sevierville | $1,709 |
| Sewanee | $2,427 |
| Seymour | $1,710 |
| Shady Valley | $1,747 |
| Sharon | $2,422 |
| Sharps Chapel | $1,918 |
| Shawanee | $2,445 |
| Shelbyville | $2,165 |
| Sherwood | $2,295 |
| Shiloh | $2,326 |
| Signal Mountain | $1,776 |
| Silerton | $2,734 |
| Silver Point | $2,156 |
| Slayden | $2,596 |
| Smartt | $2,494 |
| Smithville | $2,177 |
| Smyrna | $2,017 |
| Sneedville | $1,799 |
| Soddy-Daisy | $1,822 |
| Somerville | $2,431 |
| South Cleveland | $1,844 |
| South Fulton | $2,371 |
| South Pittsburg | $2,301 |
| Southside | $2,054 |
| Sparta | $2,131 |
| Speedwell | $1,961 |
| Spencer | $2,312 |
| Spring City | $2,121 |
| Spring Creek | $2,739 |
| Spring Hill | $1,909 |
| Springfield | $1,944 |
| Springville | $2,317 |
| Spurgeon | $1,593 |
| St. Joseph | $2,333 |
| Stanton | $2,531 |
| Stantonville | $2,393 |
| Stewart | $2,154 |
| Strawberry Plains | $1,806 |
| Sugar Tree | $2,400 |
| Summertown | $2,453 |
| Summitville | $2,683 |
| Sunbright | $2,262 |
| Surgoinsville | $1,787 |
| Sweetwater | $2,028 |
| Taft | $2,216 |
| Talbott | $1,648 |
| Tallassee | $1,853 |
| Tazewell | $1,831 |
| Telford | $1,618 |
| Tellico Plains | $1,990 |
| Tellico Village | $1,798 |
| Ten Mile | $2,106 |
| Tennessee Ridge | $2,155 |
| Thompson's Station | $1,905 |
| Thorn Hill | $1,931 |
| Tigrett | $2,724 |
| Tipton | $2,708 |
| Tiptonville | $2,570 |
| Toone | $2,403 |
| Townsend | $1,814 |
| Tracy City | $2,305 |
| Trade | $1,708 |
| Trenton | $2,375 |
| Trezevant | $2,352 |
| Trimble | $2,301 |
| Troy | $2,435 |
| Tullahoma | $2,091 |
| Turtletown | $2,091 |
| Tusculum | $1,639 |
| Unicoi | $1,628 |
| Union City | $2,313 |
| Unionville | $2,229 |
| Vanleer | $2,137 |
| Viola | $2,553 |
| Vonore | $1,909 |
| Walden | $1,785 |
| Walland | $1,763 |
| Walling | $2,088 |
| Walnut Hill | $1,511 |
| Wartburg | $2,158 |
| Wartrace | $2,207 |
| Washburn | $1,909 |
| Watauga | $1,634 |
| Watertown | $2,065 |
| Waverly | $2,208 |
| Waynesboro | $2,373 |
| Westmoreland | $2,281 |
| Westpoint | $2,421 |
| Westport | $2,424 |
| White Bluff | $2,030 |
| White House | $1,963 |
| White Pine | $1,763 |
| Whites Creek | $1,976 |
| Whitesburg | $1,738 |
| Whiteside | $2,002 |
| Whiteville | $2,390 |
| Whitleyville | $2,289 |
| Whitwell | $2,252 |
| Wilder | $2,023 |
| Wildersville | $2,434 |
| Wildwood | $1,728 |
| Wildwood Lake | $1,843 |
| Williamsport | $2,234 |
| Williston | $2,492 |
| Winchester | $2,088 |
| Winfield | $2,266 |
| Woodbury | $2,233 |
| Woodland Mills | $2,322 |
| Woodlawn | $1,981 |
| Wynnburg | $2,859 |
| Yorkville | $2,794 |
| Yuma | $2,362 |
Home and auto insurance bundling in Tennessee
How can you lower the rate of home insurance in Tennessee? One way is by bundling your auto insurance and home insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $2,085 | $1,932 | $153 | 7.34% |
Home insurance discounts in Tennessee
Using the discounts provided by your insurer is another way by which you can lower the average home insurance cost in Tennessee. But ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| All state | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Erie | ✓ | - | - | - | - | - |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing common features across top companies
Are you trying to buy the best homeowners insurance in Tennessee? Then check whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common causes of home insurance claims in Tennessee
These are a few reasons that lead to home insurance claims in the state.
- Wind: The state is prone to wind damage caused by tornadoes. Many file claims alone for wind damage yearly.
- Wildfires: According to a state analysis, 37% of Tennessee residents live in a wildfire-prone area. Though fire is a standard peril on homeowners insurance policies, you should check with your agent to ensure you get coverage for wildfire damage.
- Flooding: Many areas in the state got damaged by floods in 2021. As standard homeowners insurance doesn’t cover flood damage, buy an additional policy via FEMA or a private insurer.
- Extreme weather: Thunderstorms are common and can cause damage from lightning strikes and heavy rains. Fortunately, a standard HO-3 policy typically covers storm-related lightning and hail damage.
Does homeowners insurance cover flooding in Tennessee?
Flood damage, whether caused by a hurricane or a severe downpour, doesn’t get covered by home insurance policies. So purchase flood insurance via a private company or FEMA’s National Flood Insurance Program (NFIP). The coverage offered by a private insurer can vary, but NFIP provides the following coverages.
- Your home’s structure - $250,000
- Personal property - $100,000
Does homeowners insurance cover wind damage in Tennessee?
Wind damage is one of the most common causes of home insurance claims in the state too. Fortunately, most homeowners insurance policies cover wind damage. You will get the coverage irrespective of whether the damage is a cracked window or shingles blown off your roof.
Does homeowners insurance cover sinkholes in Tennessee?
No, home insurance policies typically don’t cover it. Home insurance companies in Tennessee may provide separate sinkhole coverage for an additional cost that protects your home and personal property. Buying sinkhole coverage can be expensive in high-risk areas, and companies may request an inspection before providing a quote.
Factors that affect home insurance rates in Tennessee
Do you want to buy cheap home insurance in Tennessee? Then check for these factors before buying one.
- Your location: Factors like your ZIP Code, the area theft rate, and the volume of nearby claims can affect the cost of homeowners insurance in Tennessee.
- Replacement cost: The cost of homeowners insurance in TN varies depending on construction material rates and local labor.
- Age/condition: Newer properties are less expensive to insure than older ones.
- Claims history: Insurers may consider you risky if you regularly submit claims. So it is fair to expect your insurance premiums to surge then.
- Credit history: Most insurers will check your credit score before providing home insurance coverage. If you have a low credit score, be ready to spend more for homeowners insurance in Tennessee.
- Dog breed: Many insurance companies consider some dog breeds ‘dangerous.’ If your insurer considers your dog so, the rate of Tennessee homeowners insurance will rise.
Tips for buying homeowners insurance
Are you looking to find the best home insurance in Tennessee? Then follow these tips!
- Assess your rebuilding costs: Talk with your agent or a reputed builder to check how much it would cost to reconstruct your house with inexpensive building materials and local labor.
- Review the advantage of replacement cost over actual cash value: You may have to buy replacement cost insurance for your house and other belongings
- Consider add-on coverage for your expensive items: If you own costly items like athletic gear, high-end electronics, musical instruments, or old antiques, you’ll need personal property coverage.
- Evaluate your liability coverage needs: Calculate the required minimum liability insurance limit.
- Assess coverage gaps: Many insurers offer higher coverage limits for landscaping elements like trees and bushes.
- Check financial ratings: Most home insurers have ratings from organizations like AM Best and Standard & Poor’s. So, some companies won’t let you apply for a mortgage if your insurer doesn’t have a minimum ‘A’ financial strength rating.
- Check for discounts: Use all the discounts your insurer offers you qualify for
- Compare quotes from various insurance companies: Tennessee homeowners insurance premiums may differ based on your insurer. To buy the best home insurance policy in Tennessee, you must compare quotes from all insurers if possible.
Most common disasters in Tennessee
Severe storms, fires, and floods are the natural disasters that badly affect the state.
Disasters by month
According to FEMA, April and May have been the state’s busiest months for natural disasters.
| Month | Number of disasters |
|---|---|
| January | 4 |
| February | 4 |
| March | 10 |
| April | 13 |
| May | 13 |
| June | 5 |
| July | 6 |
| August | 4 |
| September | 3 |
| October | 1 |
| November | 11 |
| December | 2 |
Disasters by year
According to FEMA, Tennessee homeowners face two declared disasters on average yearly. 2011 was the busiest year, with six declared disasters.
| Year | Number of disasters |
|---|---|
| 2001 | 3 |
| 2002 | 2 |
| 2003 | 3 |
| 2004 | 1 |
| 2005 | 1 |
| 2006 | 1 |
| 2007 | 0 |
| 2008 | 1 |
| 2009 | 4 |
| 2010 | 2 |
| 2011 | 6 |
| 2012 | 1 |
| 2013 | 0 |
| 2014 | 2 |
| 2015 | 1 |
| 2016 | 5 |
| 2017 | 1 |
| 2018 | 0 |
| 2019 | 2 |
| 2020 | 5 |
How to get Tennessee home insurance with Way.com
The average home insurance cost in Tennessee is around $2,085 annually. The rate is higher than the national average rate. However, you can find even low-cost homeowners insurance in Tennessee. But how’s that possible? That’s where Way.com can help you!
You must use our website or app to gather quotes from all the insurers in the state. Then you must compare them and purchase a policy with the most affordable rate. Do you need extra help? Then our home insurance agents in Tennessee can guide you. They will help you understand Tennessee home insurance laws, the most complicated insurance terms, coverages, and discounts.
So, contact our agents in your state if you want to buy the best home insurance in Tennessee.
FAQs
How much is homeowners insurance in Tennessee?
On average, homeowners insurance in Tennessee costs around $2,085 annually.
Why is homeowners insurance so expensive in Tennessee?
The state is prone to severe weather events like tornadoes, hail, and sinkholes. So, home insurance in Tennessee can be costly.
What is the average cost of homeowners insurance in Tennessee?
The average home insurance cost in Tennessee is around $2,085 per year.
How do you get home insurance in Tennessee?
To buy Tennessee home insurance, you must get quotes from all insurers. You can typically do this online or by phone, or visit a local agency. Understanding your requirements will help you in narrowing down which insurers to consider. Getting quotes from multiple insurers allows you to compare rates, coverages, discounts, and third-party ratings. Once you choose the insurer, a representative will take you through the next steps.
How can you save money on home insurance in Tennessee?
Homeowners insurance in TN can be expensive, but there are several ways to lower your premiums. Many insurers offer discounts, and you can often save dollars by bundling your auto and home insurance policies. Also, you can lower the insurance rates by paying your premium fully or installing fire alarms or a home security system. Other ways are by increasing your deductibles and improving your credit score. Shopping around for new home insurance quotes may also be beneficial to check if you can get a lower rate from a different insurer.
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