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Call Us Now: At HomeInsurance.com you can compare up to four homeowners insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Tennessee home insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax while we take care of the rest.
The average Tennessee home insurance rate in September 2011 was $801.00. It appears that rates have increased since August 2011 when average rates in Tennessee were around $788.00. These premiums reflect the annual cost of a standard home policy and do not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Tennessee |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $801.00 | $788.00 | $758.00 | $747.00 | $744.00 |
There are a lot of discounts for Tennessee homeowners that can help you save on your home insurance premium. Customers often report the biggest savings from home-auto discounts which save them, on average, 15-25% on their Tennessee home insurance policy. Other discounts include security alarm and claims free discounts. The Insurance Information Institute also recommends reviewing your policy regularly to make sure your home is always adequately covered. It's also a good idea to ask a licensed agent to review your policy to make sure you aren't missing anything.
Standard Tennessee Home Insurance Coverages
| A | Dwelling: A standard Tennessee homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Tennessee home insurance policy |
| C | Contents/Personal Property: A Tennessee home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Tennessee home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Tennessee, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Tennessee MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Tennessee Homeowners Insurance News
- Natural gas pipeline explosion damages Ohio homesThursday, November 17, 2011
- Unprecedented spring storms in Ohio lead to heavy losses Tuesday, June 28, 2011
- Midwestern tornadoes now becoming widespread Thursday, May 26, 2011
- Slow-moving system played a part in Southern floods Tuesday, May 17, 2011
- Flood waters rising in Memphis Tuesday, May 10, 2011
Other Tennessee Homeowners Resources:
- Visit our RateReport to see how Tennessee home insurance rates measure up against other parts of the country.
- Do you know what your home insurance covers? Visit home insurance 101 to see what your policy may and may not cover.
- Are you qualifying for all available discounts in Tennessee? Check out our list of available home insurance discounts.
Search for home insurance in your Tennessee county:
- Anderson
- Bedford
- Benton
- Bledsoe
- Blount
- Bradley
- Campbell
- Cannon
- Carroll
- Carter
- Cheatham
- Chester
- Claiborne
- Clay
- Cocke
- Coffee
- Crockett
- Cumberland
- Davidson
- Decatur
- Dekalb
- Dickson
- Dyer
- Fayette
- Fentress
- Franklin
- Gibson
- Giles
- Grainger
- Greene
- Grundy
- Hamblen
- Hamilton
- Hancock
- Hardeman
- Hardin
- Hawkins
- Haywood
- Henderson
- Henry
- Hickman
- Houston
- Humphreys
- Jackson
- Jefferson
- Johnson
- Knox
- Lake
- Lauderdale
- Lawrence
- Lewis
- Lincoln
- Loudon
- Macon
- Madison
- Marion
- Marshall
- Maury
- Mcminn
- Mcnairy
- Meigs
- Monroe
- Montgomery
- Moore
- Morgan
- Obion
- Overton
- Perry
- Pickett
- Polk
- Putnam
- Rhea
- Roane
- Robertson
- Rutherford
- Scott
- Sequatchie
- Sevier
- Shelby
- Smith
- Stewart
- Sullivan
- Sumner
- Tipton
- Trousdale
- Unicoi
- Union
- Van Buren
- Warren
- Washington
- Wayne
- Weakley
- White
- Williamson
- Wilson
Customer Reviews in Tennessee
For additional information about specific insurance laws in Tennessee, visit the Tennessee Department of Commerce & Insurance website.
