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 find cheap homeowners insurance 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. A home insurance policy defends your dwelling, personal property, and other buildings in the event of a number of misfortunes, including theft, fire, vandalism, or wind damage.

Unlike car insurance, home insurance is not priced based on state-level legislation. Even so, major differences exist in home insurance costs on a state-by-state basis. Home insurance costs by state diverge depending on the number and total value of home insurance claims filed across the state, and depend on the price of the belongings and home you're insuring.

The best way to acquire a cheap home insurance policy in Tennessee is to shop around and compare rates from as many companies as possible. Find out how much home insurance costs in Tennessee by referencing the below data. Remember: your rates will vary, depending on your coverage limits.


Tennessee homeowners insurance:
  1. By insurance company
  2. Costs by city
  3. Rates by coverage level
  4. Rates by deductible level
  5. Bundling
  6. FAQs

Homeowners insurance rates in Tennessee by insurance company

Homeowners insurance rates in Tennessee vary based on the insurer you use. Shelter sells the cheapest home insurance policies in Tennessee — $1,421 each year. This compares favorably to the state's average cost of $2,033, providing a $612 price break on average statewide home insurance costs.

Start looking for a home insurance policy by reviewing the best Tennessee home insurance carriers, listed below.


THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN TENNESSEE
CompanyAverage Annual Rate in Tennessee
Shelter$1,421
AAA$1,550
USAA$1,698
Travelers$1,808
Erie$1,849

Tennessee home insurance costs: by city

Not all Tennessee cities have equal homeowners insurance rates. Policy pricing may depend on city-specific variables like the number of local claims filed, meaning your ZIP code could have a major impact on how much you pay.

The most affordable homeowners insurance in Tennessee is available in Johnson City. The average home insurance policy in Johnson City costs $1,432 per year — $601 less than the statewide average. The below table shows the best places to live in Tennessee if you’re looking for cheap homeowners insurance.


AFFORDABLE HOME INSURANCE BY CITY IN TENNESSEE
CityAverage Annual Home Insurance Rate
Johnson City$1,432
Kingsport$1,436
Morristown$1,548
Knoxville$1,575
Brentwood$1,580

Home insurance rates in Tennessee by coverage level

How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In Tennessee, carrying $200,000 dwelling coverage costs an average of $1,459 per year, while maintaining coverage up to $400,000 costs as much as $2,539 per year.


HOMEOWNERS INSURANCE RATES IN TENNESSEE — COMMON COVERAGE TIERS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$931
$200,000 Dwelling$1,459
$250,000 Dwelling$1,697
$400,000 Dwelling$2,539

Compare Homeowners Insurance Rates

Homeowners insurance deductibles in Tennessee

Homeowners have a lot of decisions to make when buying a home insurance policy, including the amount of their deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Choosing your deductible plays a significant role in how much you pay for insurance.

When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, if you are aiming for lower home insurance rates, it pays to keep your deductible higher. It's worth remembering that your deductible should only be as high as you can reasonably pay in the case of an actual loss.

Take a look at some of the normal deductibles offered by home insurance companies and an estimate of average homeowners insurance rates.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE TIER IN TENNESSEE
Deductible LevelAverage Annual Home Insurance Rate
$500$1,826
$1,000$1,697
$1,500$1,606
$2,000$1,518
$5,000$1,323

Homeowners and auto insurance bundles in Tennessee

If you want to save on insurance, consider purchasing your home and car insurance policies from the same company. A home and car insurance bundle in Tennessee can lead to substantial savings on your auto insurance bill. Purchasing bundled policies in Tennessee leads to 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 Savings% Savings with Bundle
$1,417$1,276$14111%

One of the best ways to save on auto insurance is bundling. Get started today!


Looking for information on homeowners insurance in a specific city? Check out our analysis of significant 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.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.