Homeowners Insurance in Tennessee

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

Find affordable homeowners insurance in Tennessee


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. Homeowners insurance protects your dwelling, attached buildings, and personal property in the event of a number of calamities, including wind damage, fire, theft, vandalism, and others.

Serious differences emerge in home insurance costs on a state-by-state basis. Insurance policy costs by state may differ depending on the number and value of homeowners claims lodged across the state, and also on the value of the belongings and home insured on the policy.

The easiest way to find a cheap home insurance policy in Tennessee is to view prices from as many insurance companies as you can. Find out average home insurance rates in Tennessee by referencing the below tables. Individual rates may vary depending on coverage options and the value of the dwelling being insured.


Tennessee home insurance:
  1. By company
  2. Costs by city
  3. Insurance bundling discounts

Homeowners insurance rates in Tennessee by insurer

Rates for home insurance in Tennessee differ depending on which insurance company you select. Shelter provides the cheapest home insurance in Tennessee, at just $1,421 each year. This compares favorably to the state average cost of $2,033, providing a $612 discount on average policy costs statewide.

Start searching for cheap homeowners insurance by reviewing the best Tennessee home insurance carriers, listed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN TENNESSEE
CompanyAverage Annual 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

Homeowners insurance rates in Tennessee differ by city. Policy rates rely on on local variables such as the number of homeowners claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The best homeowners insurance in Tennessee is found in Johnson City. An average homeowners insurance policy in Johnson City costs just $1,432 each year — $601 less than the average Tennessee rate. The below cities have the most affordable homeowners insurance in Tennessee.


AFFORDABLE HOME INSURANCE CITIES IN TENNESSEE
CityAverage 12-Month Home Insurance Rate
Johnson City$1,431.73
Kingsport$1,436.39
Morristown$1,548.32
Knoxville$1,574.82
Brentwood$1,580.00

How to save: bundle home and auto insurance 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 save you a substantial sum each month on car insurance. Bundling policies in Tennessee results in average annual savings of $141.


HOME AND AUTO INSURANCE BUNDLING SAVINGS 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%

Bundling home and auto policies is a great way to save. Start shopping today!


Find affordable insurance today!