Tennessee Home Insurance Quotes
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Call Us Now: Tennessee home insurance shoppers face unique challenges - and HomeInsurance.com understands that. Here, you can compare up to six home 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, and let us take care of the rest.
Our team of licensed agents will shop for your Tennessee home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple TN insurance providers.
Get the Best Home Insurance Rates in TN
The average Tennessee home insurance rate in April 2013 was $1080.00. It appears that rates have decreased since March when average rates in Tennessee were around $1140.00. This reflects the annual cost of a standard home policy and does not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Tennessee |
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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $1080.00 | $1140.00 | $1199.00 | $1225.00 | $1241.00 |
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 policies. You can also save money if you've got a security system installed or if you've filed no claims on previous insurance. The Insurance Information Institute 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. One of our experts can not only find you coverage at a low price, but discounts you may not get otherwise.
Enter your ZIP code in one of the forms above or call 1-877-295-3422 now to get Tennessee home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your TN policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Tennessee are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Tennessee by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $841 | $1,182 | $536 | $1,701 | $1,126 |
| Premium with Auto Discount | $841 | $1,016 | $536 | $1,701 | $1,126 |
| Carrier | Foremost | MetLife | Safeco | Liberty Mutual | Liberty Mutual |
| Zip | 38401 | 37411 | 37774 | 37221 | 38111 |
| Year Built | 1930 | 1998 | 1942 | ||
| Foundation type | Basement | Crawl Space | Crawl Space | ||
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Electric | Central Gas | Central Gas |
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
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Tennessee homeowners finding hail damage after stormsMonday, April 09, 2012
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Insurance damages from tornado outbreak may reach $2BWednesday, March 07, 2012
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Natural gas pipeline explosion damages Ohio homesThursday, November 17, 2011
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Unprecedented spring storms in Ohio lead to heavy losses Tuesday, June 28, 2011
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Midwestern tornadoes now becoming widespread Thursday, May 26, 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.
