- Tennessee Homeowners Insurance
- Tennessee Homeowners Insurance Discounts
- Tennessee Homeowners Insurance Rating Factors
- What We Do at A Plus Insurance
- Average Cost For Homeowners Insurance In Tennessee (by city)
- Average Cost for Homeowners Insurance in Tennessee
- Tennessee Homeowners Insurance Laws: What You Need to Know
- Homeowners Bundling Options: How to Save on Insurance in Tennessee
- Cheapest Homeowners Insurance in Tennessee by City
- Which Companies Offer Homeowners In Tennessee?
- Cheapest Homeowners Insurance by City in Tennessee
- Frequently Asked Questions about Tennessee Homeowners Insurance
- What does Tennessee Homeowners Insurance cover?
- How can I save money on my Tennessee Homeowners Insurance?
- What factors influence Tennessee Homeowners Insurance rates?
- What We Do at A Plus Insurance
Tennessee Homeowners Insurance Discounts
Looking for cheap homeowners insurance in Tennessee? You may qualify for discounts that can lower your premium. Many insurance providers offer affordable rates to homeowners who meet certain eligibility criteria or take proactive steps to reduce risk.
How to Get Discounts on Tennessee Homeowners Insurance
Here are some common homeowners insurance discounts you might qualify for:
- Bundling Discount – Save by combining your home and auto insurance with the same provider.
- Home Security Discount – Install security systems, smoke detectors, or burglar alarms to reduce risk.
- Claims-Free Discount – If you haven’t filed a claim in several years, you could qualify for lower rates.
- New Home Discount – Newly built homes often receive discounted premiums due to lower risk.
- Loyalty Discount – Some insurers reward long-term customers with lower premiums over time.
- Gated Community Discount – Living in a gated or secured community may qualify you for a lower rate.
- Fire Safety Features – Having sprinkler systems or fire-resistant materials can reduce insurance costs.
- Higher Deductible Discount – Opting for a higher deductible can reduce your monthly premium.
Compare Tennessee Homeowners Insurance Rates
Your home insurance rate depends on factors like home value, location, and risk factors. The best way to find affordable coverage is to compare quotes from multiple insurers.
Get a Free Home Insurance Quote Today!
Looking for low-cost homeowners insurance in Tennessee? Contact us today to compare rates and find discounts that fit your needs!
- EFT Discount
- Married Discount
- Upgraded Wiring Discount
- Bundling Multiple Policies Discount
- Loyalty Discount
- Non-Smoking Discount
- Claims Free Discount
- Gated Community Discount
- Upgraded Plumbing Discount
- Monitored Smoke Detector Discount
- New Home Discount
- Hail Resistant Roofing Discount
- Auto Water Shut Off or Leak Detection Discount
- Upgraded Roof Discount
Tennessee Homeowners Insurance Rating Factors
Ever wonder how homeowners insurance rates are determined in Tennessee? Insurance companies assess several factors to calculate your premium. While coverage limits, price, and customer service are essential considerations, understanding what affects your rate can help you make informed decisions and find the best coverage at an affordable price.
What Affects Tennessee Homeowners Insurance Rates?
Here are some key factors that influence your Tennessee home insurance premium:
- Home Location – Your zip code matters. Areas with higher crime rates, frequent storms, or a history of claims typically have higher premiums.
- Home Age & Condition – Older homes may cost more to insure due to wear and tear, outdated electrical systems, or aging roofs.
- Replacement Cost – The amount it would cost to rebuild your home (not market value) affects your rate.
- Coverage Limits – Higher coverage limits mean better protection but also higher costs.
- Claims History – If you’ve filed multiple claims, insurers may see you as a higher risk, increasing your rate.
- Home Security Features – Homes with security systems, fire alarms, and deadbolt locks often qualify for discounts.
- Deductible Choice – Choosing a higher deductible lowers your monthly premium but increases out-of-pocket costs if you file a claim.
- Credit Score – In Tennessee, many insurers consider credit history when determining rates. A higher credit score often leads to lower premiums.
How to Lower Your Homeowners Insurance in Tennessee
- Bundle home & auto insurance for a multi-policy discount.
- Improve home security with alarms or monitoring systems.
- Maintain a claims-free history to qualify for lower rates.
- Raise your deductible to reduce monthly costs.
- Shop around & compare quotes to find the best rate.
Get a Free Tennessee Homeowners Insurance Quote
Want to find affordable homeowners insurance in Tennessee? Contact us today to compare quotes and maximize your savings!
Rating Factors:
- Location
- Age of Home
- Credit History
- Protection Class: Proximity to Fire Station
- Wood-Burning Stoves
- Roof Condition
- Dog Breed
- Marital Status
- Home Liability Limits
- Deductible
- Claims
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Average Cost For Homeowners Insurance In Tennessee (by city)
Tennessee Homeowners insurance coverage that is cheap or affordable is available in every city and county in Tennessee. Not every city or county has the same rates, though. The best way to find the lowest quotes is to get Tennessee home owners insurance quotes . This will give you many different estimates of what insurance costs for your home.
Depending on what city you live in, can change your rates for homeowners insurance. We listed some cities in Tennessee and their average rates.
| City | Price |
|---|---|
| Signal Mountain | $1,359.00 |
| Nolensville | $1,397.00 |
| Union City | $1,128.00 |
| Hartsville/Trousdale County | $1,314.00 |
| Nashville-Davidson | $1,301.00 |
| Alcoa | $1,361.00 |
| Greeneville | $1,165.00 |
| Kingsport | $1,168.00 |
| White House | $1,423.00 |
| Winchester | $1,313.00 |
| Crossville | $1,183.00 |
| South Cleveland | $1,406.00 |
| Bristol | $1,396.00 |
| Franklin | $1,165.00 |
| Shelbyville | $1,114.00 |
| Knoxville | $1,195.00 |
| La Vergne | $1,409.00 |
| Soddy-Daisy | $1,185.00 |
| Spring Hill | $1,280.00 |
| Oak Ridge | $1,388.00 |
| McMinnville | $1,251.00 |
| Red Bank | $1,302.00 |
| Chattanooga | $1,343.00 |
| East Ridge | $1,193.00 |
| Lenoir City | $1,103.00 |
| Dickson | $1,298.00 |
| Lakeland | $1,152.00 |
| Maryville | $1,163.00 |
| Humboldt | $1,290.00 |
| Farragut | $1,110.00 |
| Smyrna | $1,315.00 |
| Dyersburg | $1,327.00 |
| Murfreesboro | $1,324.00 |
| Fairview | $1,228.00 |
| Brownsville | $1,183.00 |
| Collierville | $1,350.00 |
| Harrison | $1,305.00 |
| Lewisburg | $1,396.00 |
| Millington | $1,110.00 |
| Cookeville | $1,359.00 |
| Clinton | $1,403.00 |
| Covington | $1,114.00 |
| Springfield | $1,109.00 |
| Lawrenceburg | $1,416.00 |
| Brentwood | $1,384.00 |
| Athens | $1,402.00 |
| Memphis | $1,291.00 |
| Clarksville | $1,285.00 |
| Germantown | $1,301.00 |
| Tullahoma | $1,168.00 |
| Bloomingdale | $1,382.00 |
| Cleveland | $1,228.00 |
| Manchester | $1,356.00 |
| Middle Valley | $1,259.00 |
| Fairfield Glade | $1,392.00 |
| Bartlett | $1,182.00 |
| Hendersonville | $1,287.00 |
| Sevierville | $1,400.00 |
| Columbia | $1,308.00 |
Average Cost for Homeowners Insurance in Tennessee
Finding affordable homeowners insurance in Tennessee is possible, but rates vary depending on where you live. Factors like crime rates, weather risks, and property values can affect your premium. The best way to find the lowest price is to compare Tennessee homeowners insurance quotes from multiple providers.
How Location Affects Home Insurance Rates in Tennessee
Homeowners insurance costs aren’t the same across all cities and counties in Tennessee. Your zip code plays a major role in determining your premium. Here’s why:
Fire Protection Services – Living near fire stations or hydrants can help lower your premium.
Severe Weather Risks – Cities prone to tornadoes, floods, or severe storms may have higher rates.
Crime Rates – Higher crime areas typically result in more expensive premiums due to increased risk of theft or vandalism.
Home Values – Areas with higher property values often have higher insurance costs since replacement costs are greater.
| Company | AM Best |
|---|---|
| MetLife | A- |
| USAA | A++ |
| State Farm | A++ |
| Nationwide | A |
| American Family | A |
| American International | A- |
| Liberty Mutual | A |
| Farmers Insurance | A |
| Allstate | A+ |
| Hartford Financial | A+ |
| Auto-Owners Insurance | A |
| Chubb | A |
| Progressive | A+ |
Tennessee Homeowners Insurance Laws: What You Need to Know
Owning a home in Tennessee means understanding the homeowners insurance laws that protect you, your property, and your financial well-being. While Tennessee does not legally require homeowners insurance, most mortgage lenders will require coverage as part of your loan agreement.
Key Homeowners Insurance Coverages in Tennessee
To ensure full protection, Tennessee homeowners insurance typically includes three key components:
- Liability Coverage
- Covers legal and medical expenses if someone is injured on your property.
- Protects you if a guest files a lawsuit after an accident.
- Includes coverage for damages caused by your pets.
- Structure Protection (Dwelling Coverage)
- Covers repairs or rebuilding costs if your home is damaged by fire, storms, or vandalism.
- May include coverage for detached structures like garages and sheds.
- Some policies may exclude flood or earthquake damage, so check for additional coverage if needed.
- Personal Property Coverage
- Protects furniture, electronics, clothing, and valuables against theft, fire, or natural disasters.
- Coverage limits vary, so high-value items (jewelry, art, collectibles) may require additional riders.
Tennessee Homeowners Insurance Requirements & Considerations
While Tennessee law does not mandate homeowners insurance, mortgage lenders require coverage to protect their investment. If your policy lapses, the lender may impose a forced-place insurance policy, which can be significantly more expensive.
Additionally, homeowners in high-risk areas (such as regions prone to flooding or tornadoes) should consider additional protection, such as:
- Flood Insurance (offered through FEMA’s National Flood Insurance Program)
- Earthquake Insurance (important for areas near fault lines)
- Extended Replacement Cost Coverage (to cover unexpected rebuilding costs)
Need Homeowners Insurance in Tennessee? Get a Free Quote Today!
Protect your home and finances with the right Tennessee homeowners insurance policy. Contact us today for a free quote and find the coverage that fits your needs at an affordable rate!
Homeowners Bundling Options: How to Save on Insurance in Tennessee
Bundling your Tennessee homeowners insurance with other policies is a smart way to save money and simplify your coverage. Many insurance providers offer discounts when you combine multiple policies, helping you reduce costs while ensuring comprehensive protection.
What Can You Bundle with Your Homeowners Insurance?
If you own a house, condo, or rental property, bundling your insurance policies can maximize savings. Here are some of the most common bundling options:
1. Home & Auto Insurance
- One of the most popular bundle options, combining homeowners and auto insurance can save you 10% to 25% on your premiums.
- Simplifies payments by keeping both policies with one provider.
- Some insurers offer accident forgiveness or deductible reductions when you bundle.
2. Home & Renters Insurance
- If you own multiple properties, bundling homeowners and renters insurance can lower costs.
- Ideal for landlords or property owners who rent out additional residences.
- Protects both your primary residence and rental units.
3. Home & Motorcycle Insurance
- If you ride a motorcycle, bundling your home and motorcycle insurance can lead to additional discounts.
- Protects both your home and bike under one insurer, making it easier to manage policies.
4. Home & Life Insurance
- Some companies allow you to bundle homeowners and life insurance, providing long-term savings.
- Helps protect your family’s financial future while securing your home.
5. Home & Boat Insurance
Protects both your home and recreational investments.
If you own a boat, bundling home and boat insurance can lead to discounts.
Bundling Options:
- Business
- Umbrella
- ATV
- RV
- Motorcycle
- Auto
- Health
- Life
- Boat
Cheapest Homeowners Insurance in Tennessee by City
Finding affordable homeowners insurance in Tennessee doesn’t mean sacrificing quality. Many providers offer competitive rates across the state, but prices can vary by city due to factors like weather risks, crime rates, and home values. Below, we’ve highlighted some of the cheapest homeowners insurance providers in major Tennessee cities to help you compare options.
Which Tennessee Cities Have the Cheapest Homeowners Insurance?
Homeowners insurance rates in Tennessee tend to be lower than the national average, making it one of the more affordable states for home coverage. Factors like low cost of living and mild weather in certain areas help keep premiums down.
Here’s a look at estimated average monthly premiums for homeowners insurance in different cities across Tennessee:
| City | Price |
|---|---|
| Jackson | Progressive (ASI) |
| Dickson | Farmers |
| Crossville | State Farm |
| Harrison | Amica |
| Franklin | USAA |
| Hartsville/Trousdale County | Farmers |
| Johnson City | USAA |
| Manchester | Allstate |
| La Vergne | Liberty Mutual |
| Seymour | Allstate |
| Clinton | American Family |
| Clarksville | Progressive (ASI) |
| Maryville | Progressive |
| Farragut | USAA |
| Memphis | Liberty Mutual |
| Bartlett | Progressive |
| Athens | Progressive (ASI) |
| Smyrna | Farmers |
| Alcoa | American Family |
| Millington | American Family |
| Lebanon | Chub |
| South Cleveland | USAA |
| Lawrenceburg | Progressive |
| Lewisburg | USAA |
| Mount Juliet | Travelers |
| Lakeland | Progressive |
| Columbia | State Farm |
| Greeneville | USAA |
| Middle Valley | Liberty Mutual |
| Kingsport | Progressive (ASI) |
| Tullahoma | Allstate |
| Jefferson City | Amica |
| East Ridge | USAA |
| McMinnville | Liberty Mutual |
| Soddy-Daisy | USAA |
| Lenoir City | Farmers |
| Shelbyville | Progressive |
| Morristown | Allstate |
| Dyersburg | Progressive |
| Signal Mountain | Progressive (ASI) |
| Knoxville | Progressive |
| Cookeville | State Farm |
| Spring Hill | Chub |
| Union City | Travelers |
| Gallatin | Progressive |
| Hendersonville | USAA |
| Bloomingdale | USAA |
| Fairview | USAA |
| Winchester | NationWide |
| Martin | Farmers |
| Red Bank | American Family |
Which Companies Offer Homeowners In Tennessee?
There are a lot of companies you could choose when shopping for your homeowners insurance. We have a list below of some of the carriers that carry homeowners in Tennessee.
| Company | Home Owners Offered |
|---|---|
| MetLife Inc. | yes |
| Liberty Mutual | yes |
| State Farm | yes |
| Nationwide | yes |
| USAA | yes |
| Auto-Owners | yes |
| Chubb | yes |
| Farmers Insurance | yes |
| Progressive | yes |
| American Family | yes |
| Travelers | yes |
| Hartford | yes |
| American International | yes |
| Allstate Corp. | yes |
Cheapest Homeowners Insurance by City in Tennessee
If you’re searching for affordable homeowners insurance in Tennessee, you’re in luck. The state generally offers lower rates compared to the national average due to its relatively low cost of living and moderate weather conditions. However, prices can vary by city, home value, and risk factors such as crime rates and weather-related risks.
Exclusive Home and Auto Insurance Discounts for 2025
Tips for Unlocking Exclusive Home and Auto Insurance Discounts in 2024
- Bundle Your Policies for a 2024 Discount: Combine home and auto insurance to save up to 25% this year. Call us at 1.888.445.2793 to learn more about bundled savings.
- Enroll in Automatic Payments for Savings: Many insurance companies offer discounts for setting up autopay. Text Us to find out if you’re eligible.
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- Qualify for a Good Credit Discount: A strong credit score can significantly reduce your premiums. Text Us to explore your options.
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Frequently Asked Questions about Tennessee Homeowners Insurance
What does Tennessee Homeowners Insurance cover?
Tennessee Homeowners Insurance typically covers damage to your home’s structure, personal belongings, liability protection, and additional living expenses. For a personalized overview of coverage options, call A Plus Insurance at 1.888.445.2793.
How can I save money on my Tennessee Homeowners Insurance?
To save on Tennessee Homeowners Insurance, consider bundling policies, improving home security, and raising deductibles. A Plus Insurance can help you explore money-saving options. Call us at 1.888.445.2793 for expert advice.
What factors influence Tennessee Homeowners Insurance rates?
Several factors affect Tennessee Homeowners Insurance rates, including the home’s location, age, construction materials, and the policyholder’s claims history. Contact A Plus Insurance at 1.888.445.2793 for a personalized quote based on your specific situation.
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Homeowners, renters, and mobile home owners: make sure you have the protection you need.
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Last Updated on by Brian Muse