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How to find affordable homeowners insurance in Nashville

 

A critical consideration for every homeowner should be insurance coverage for your home. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, a homeowners insurance policy is a solid investment.

The price of a homeowners insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Find out more about what a home insurance policy covers.

Finding affordable home insurance in Nashville starts with shopping around and comparing policies. Take a look at the summary below showing average home insurance rates in Nashville to begin your homeowners insurance search with as much information as you can. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.

 
Nashville, Tennessee, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by neighborhood
  4. Rates by deductible amount
  5. Policy bundling discounts

 

Home insurance in Nashville by insurance company

What you pay for homeowners insurance in Nashville will depend on the insurance company you get your policy through. Safeco offers the most affordable home insurance in Nashville, at just $1,402 per year. This compares favorably to the city’s average homeowners premium of $1,703.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Nashville, Tennessee.

 
CHEAP HOME INSURERS IN NASHVILLE
CompanyAverage Annual Rate
Safeco$1,402
AAA$1,420
Shelter$1,499
Allstate$1,560
Erie$1,577

 

Average homeowners insurance prices in Nashville by coverage limit

How much you spend on home insurance coverage is greatly influenced by the level of coverage you choose. Homeowners in Nashville who carry $200K in dwelling coverage pay an average of $1,198 per year, while those with coverage up to $400K pay around $2,159 per year.

 
HOMEOWNERS INSURANCE RATES IN NASHVILLE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$804
$200,000 Dwelling$1,198
$250,000 Dwelling$1,453
$400,000 Dwelling$2,159

 

Nashville home insurance rates by ZIP code

Depending on which part of Nashville you live in, you could see a dramatic difference in your home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

If you're looking for the most affordable homeowners coverage in Nashville, take a look at the 37027 ZIP code. In the 37027 area, homeowners coverage usually costs just $1,641 per year on average — a full $62 less than the overall average for Nashville. Find the best places to live in Nashville for cheap home insurance by looking at the following table.

 
AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN NASHVILLE
ZIP CodeAverage Annual Home Insurance Rate
37027$1,641
37221$1,646
37215$1,657

Other areas of Nashville, however, face homeowners rates that are higher than the city average. These parts of town could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $1,772 makes 37080 the most expensive ZIP code in Nashville for home insurance.

 
EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN NASHVILLE
ZIP CodeAverage Annual Home Insurance Rate
37080$1,772
37207$1,741
37072$1,738

 

Homeowners insurance deductibles in Nashville

Homeowners face a number of choices when purchasing a policy, including how much their deductible should be. A homeowners deductible is the amount you are responsible for paying toward a covered loss. Where you choose to set your homeowners deductible corresponds directly to the overall cost of your coverage.

When picking a deductible, keep in mind that the higher your deductible is, the lower your insurance rates will be. This means that those seeking lower home insurance costs will want to consider a higher homeowners deductible. It's worth mentioning that your deductible should only be as high as you can reasonably pay in the case of an actual loss.

The chart below reveals the typical rates affiliated with most deductibles.

 
HOME INSURANCE COSTS BY DEDUCTIBLE LEVEL IN NASHVILLE
Deductible LevelAverage Annual Home Insurance Rate
$500$1,570
$1,000$1,453
$1,500$1,369
$2,000$1,287
$5,000$1,110

 

Money-saving tip: bundle home and auto insurance in Nashville

If you’re looking for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, Nashville homeowners could see annual savings of 7% on average.

 
CHEAPEST CAR INSURANCE WITH A POLICY BUNDLE IN NASHVILLE
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
USAA$770
Tennessee Farmers$963
State Farm$986
Erie$1,040
Progressive$1,237
 

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.

 

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.