Renters Insurance in Tennessee

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

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How to find cheap renters insurance in Tennessee


Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters insurance policy covers personal items in the event of fire, smoke damage, wind damage, theft or vandalism, and a number of other events.

Unlike car insurance, renters policies aren’t priced based on state-level laws. Even so, there are often differences in average renters insurance prices by state. Renters insurance costs in US states differ depending on the frequency of — and value of — renters policy claims in that state, and depend on the price of the belongings you're insuring.

Tennessee renters insurance is more expensive than the US average. The average annual cost of renters insurance in Tennessee is $218, $34 more expensive than the national average.

The best way to get an affordable renters insurance policy in Tennessee is to shop around and compare rates from multiple insurance companies. Learn more about typical renters insurance rates in Tennessee via the below data. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.


Tennessee renters insurance:

  1. Rates by company
  2. Rates by city
  3. Renters-and-auto bundling discounts
  4. FAQs

Renters insurance prices in Tennessee by company

Rates for renters insurance in Tennessee can vary depending on which insurance company you select. Tennessee Farmers offers the most affordable renters policies in Tennessee — $119 each year. This compares favorably to the state average cost of $218, providing a 45% discount on the typical rates in the state.

Get a head start on looking for renters insurance by checking out the cheapest Tennessee insurance companies, listed below.


RENTERS INSURANCE RATES IN TENNESSEE: BY CARRIER
Insurance CompanyAverage 12-Month Rate in Tennessee
Tennessee Farmers$119.22
Safeco$136.85
Shelter$136.86
AAA$139.46
State Farm$150.50

Tennessee renters insurance costs: by city

Not every city in Tennessee has equal renters insurance costs. Pricing depends on city-specific variables, including the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.

The best renters insurance rates in Tennessee are in Kingsport. The average renters insurance policy in Kingsport costs $203 annually — $15 less than the state average. The below table shows the best places to live in Tennessee if you’re looking for cheap renters insurance.


AFFORDABLE CITIES FOR RENTERS INSURANCE IN TENNESSEE
CityAverage Yearly Renters Insurance Rate
Kingsport$203
Brentwood$203
Franklin$205
Johnson City$205
Spring Hill$205

Money-saving tip: bundle renters and auto insurance in Tennessee

If you're looking for savings, consider purchasing both your car and renters insurance policies from one company. Bundling auto and renters insurance in Tennessee can save you a substantial sum each month on auto insurance. Bundling policies in Tennessee results in average annual savings of $91.


RENTERS AND AUTO INSURANCE BUNDLING DISCOUNTS IN TENNESSEE
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,426.86$1,336.00$90.867%


One of the best ways to save on auto insurance is to bundle policies. Compare rates today!


Are you looking for renters insurance info for a particular city? Take a look at our listof major metropolitan areas in Tennessee.

  1. Memphis
  2. Nashville

Tennessee renters insurance FAQs


Is renters insurance required in Tennessee?

Tennessee does not require you to carry renters insurance, though it is highly recommended. It can, however, be required by your landlord.

What does Tennessee renters insurance cover?

Renters insurance covers your home's personal property, personal liability, medical bills, and temporary living expenses in the event that your home becomes uninhabitable. The specifics of each policy may differ depending on which company you choose.