Homeowners Insurance in Tennessee

Finding a homeowners insurance policy shouldn't be complicated. Compare Tennessee rates by city and carrier below.

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How to get affordable insurance for your home in Tennessee


Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. Homeowners insurance protects your dwelling and property in the event of an array of calamities, such as theft, fire, vandalism, or wind damage.

Unlike car insurance, home insurance is not priced based on state-level legislation. Even so, there are major differences in home insurance rates on a state-by-state basis. Homeowners insurance rates in states diverge depending on the value of — and frequency of — home insurance claims lodged in that state, and depend on the value of the belongings and property you're covering.

The easiest way to acquire a cheap home insurance policy in Tennessee is to compare rates from as many insurance companies as you can. Learn how much home insurance costs in Tennessee via the below breakdown. Individual rates may vary depending on coverage options.


Tennessee homeowners insurance:
  1. By insurance company
  2. Homeowners rates by city
  3. Insurance bundling discounts
  4. FAQs

Homeowners insurance rates in Tennessee by company

Prices for home insurance in Tennessee vary depending on which insurance company you select. Shelter offers the best deal on homeowners policies in Tennessee — $1,421 each year. This compares favorably to the state average cost of $2,033, providing a $612 price cut on average statewide homeowners insurance costs.

Begin your search for a home insurance policy by reviewing the most affordable Tennessee carriers, listed below.


HOMEOWNERS INSURANCE RATES IN TENNESSEE: BY CARRIER
CompanyAverage Yearly Rate in Tennessee
Shelter$1,420.83
AAA$1,549.54
USAA$1,698.08
Travelers$1,808.30
Erie$1,849.48

Tennessee homeowners insurance costs: by city

Not all Tennessee cities have equal homeowners insurance rates. Prices may depend on city-specific variables like the likelihood of weather-related claims in the area, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest homeowners insurance in Tennessee is available in Johnson City. A typical homeowners insurance term in Johnson City totals just $1,432 per year — $601 less than the average homeowners policy in other Tennessee cities. The below cities have the most affordable home insurance in Tennessee.


AFFORDABLE HOME INSURANCE BY CITY IN TENNESSEE
CityAverage Yearly Home Insurance Rate
Johnson City$1,431.73
Kingsport$1,436.39
Morristown$1,548.32
Knoxville$1,574.82
Brentwood$1,580.00

Tennessee insurance bundling discounts: home and auto

If you want to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. Bundling auto and homeowners insurance in Tennessee can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Tennessee may generate a yearly discount of $141.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN TENNESSEE
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,417.00$1,276.00$141.0011%

A great way to save is to bundle your auto and homeowners insurance policies. Start shopping today!


Seeking info on home insurance in a particular city? Check out our breakdown of major Tennessee cities:

  1. Memphis
  2. Nashville

Tennessee home insurance FAQs


Does GEICO have homeowners insurance in Tennessee?

Yes - GEICO provides homeowners insurance in the state of Tennessee.

Why is homeowners insurance so expensive in Tennessee?

Homeowners insurance in Tennessee can be more expensive than some states due to it being vulnerable to certain damaging perils. These include wind and hail storms, tornadoes, floods, and wildfires, all of which can be destructive to your property.





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