Tennessee Homeowners Insurance
Compare top carriers for affordable home coverage across Tennessee. Protect your property, family, and future today.
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Protect Your Tennessee Home
From Memphis to Knoxville, Tennessee homeowners need reliable coverage that balances affordability and protection. Whether you are a first-time buyer or long-time resident, we connect you with multiple carriers to ensure the right fit.
Compare Multiple Carriers
We work with Progressive, Safeco, Travelers, Nationwide, Foremost, and more. Our process lets you compare quotes side-by-side so you can find the best policy for your budget.
Bundle & Save
Many Tennessee families lower costs by bundling auto, home, and cycle insurance. Discounts apply to households with multiple policies, safe driving records, or security features installed.
Get Tennessee Homeowners Insurance Quotes
Compare affordable rates from top carriers serving Tennessee.
Affordable Tennessee Homeowners Insurance Options
Finding low cost and competitive homeowners insurance in Tennessee is easier than ever. Whether you live in Nashville, Chattanooga, Memphis, or a smaller town, our agents help you get fast, affordable coverage. We specialize in working with young couples, single homeowners, and families of all sizes to find the right fit. Policies can be tailored for liability only, full coverage, or bundled with auto insurance for even more savings. Companies like Progressive, Travelers, and Nationwide offer flexible options to meet Tennessee requirements. From protecting your Ford F-150 in the driveway to your Harley in the garage, we make sure your coverage works for you. Call us or start your instant quote online to explore all available options and secure the right policy today. For a quick primer on what’s included, review our homeowners coverage explained guide.
Homeowners Insurance Basics
What does Tennessee homeowners insurance typically cover?
Standard coverage includes dwelling protection, personal belongings, liability, and additional living expenses if your home becomes uninhabitable.
Is homeowners insurance required by law in Tennessee?
No, but most mortgage lenders require coverage. Even without a loan, insurance is vital for financial protection.
How much homeowners insurance do I need in Tennessee?
It depends on your home’s rebuild cost, location, and valuables. Agents can run replacement cost estimates for accuracy.
Costs & Discounts
What is the average cost of homeowners insurance in Tennessee?
On average, premiums range between $1,200–$1,800 annually, depending on location, home size, and coverage options.
Are discounts available for bundling home and auto in Tennessee?
Yes, most carriers provide discounts for combining policies. Bundling often saves 10–25% overall.
Do Tennessee insurers give discounts for security systems?
Yes, alarm systems, smoke detectors, and smart monitoring devices may qualify for lower premiums.
Claims & Coverage Questions
Does Tennessee homeowners insurance cover flood damage?
No, flood insurance must be purchased separately through FEMA’s National Flood Insurance Program or private carriers.
What about tornado or wind damage in Tennessee?
Wind and tornado damage are typically covered under standard policies, though deductibles may apply.
Can I get homeowners insurance if I have an older home in Tennessee?
Yes, though premiums may be higher. Updates to plumbing, wiring, and roofing often help reduce costs.
Compare Tennessee Home Insurance Rates
Lock in affordable coverage today with help from our licensed agents.
Home Insurance Comparison in Tennessee
Progressive
Competitive bundle savings, Snapshot program for auto, and reliable homeowners coverage statewide.
Nationwide
Strong claims support, flexible deductible options, and discounts for safe homes and multiple policies.
Travelers
Customizable coverage, endorsements for valuables, and strong presence across Tennessee cities.
Last Updated on by Jayleen Ridgeway