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Tennessee Home Insurance - What's Happening

From Memphis to Knoxville, Tennessee homeowners are looking to save on home insurance. Average premiums for Tennessee homeowners insurance were around $821 in the second quarter of 2014, a few bucks less than the national average of $829. While average state premiums aren’t off the charts, there is still a lot of room to save.

Luckily, homes in the Volunteer State don’t face many natural hazards. Severe thunderstorms, flooding, and occasional tornados are the main threats. Standard home insurance covers many of these perils – and others, however, it does not cover flooding. It’s always a good idea to work with a licensed agent to help you get a comprehensive coverage for your home.

Whether you’re looking to fill holes in your home insurance coverage or to save money, the licensed agents at are ready to help. Call the number on your screen or enter your ZIP code in the form above and get started with Tennessee home insurance.

Curious about car insurance? Click here to learn more about auto insurance in Tennessee.

Tennessee Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Homes in Tennessee, on average, are older and larger than homes in other states around the U.S. - both of which can have negative implications on home insurance premiums. Age means more things can go wrong, while size affects how much it would cost to replace house. However, there is good news for TN residents and it’s that average building costs in the state are relatively low.


Average year built

The average Tennessee home was built in 1979, 1 year older than the average U.S. home.


Average home size

At 1,995 square feet, the average size of a TN home comes in a little larger than the national average of 1,971 sq. ft.


Average replacement cost

At $244,161, the average replacement cost for a Tennessee home is $34,415 less than the U.S. average.


% of homes with sump pump

11% of TN homes have a sump pump, 4% more than the U.S. average.

Property (Factors related to the property and location)

Property factors proved to be a strong area for Tennessee. The state’s average insured cost of other structures (such as garages, fences, etc.) the state was at $15,906 – substantially below the national average of $26,165. But it was avoiding property liability where Tennessee truly shined.

Swimming pools and ATVs are both major property risks and can drive up home insurance premiums (not to mention make your property less safe). Only 1.5% of TN homeowners have pools compared to the average of 5.5% around the country. When it comes to ATVs, Tennessee homeowners avoid them completely – smart move.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

Only 89% of TN homes reported having fire extinguishers, lower than the U.S. average of 91%.


% of homes with dead bolt locks on exterior doors

When it comes to home safety, deadbolt locks are important. 95% of homes in the state have these locks, falling a tad short of the national average at 95.9%.


% of homes with smoke detectors

TN isn’t messing around when it comes to fire safety. 100% of homes in the state have smoke detectors.


% of homes with security alarms

22% of Tennessee homeowners report having security alarms, compared to the national average of 19.7%.

Overall Grade - A (nothing rocky (top) here)

Tennessee helped ruin the curve for other states. Building costs are lower on average than other states in the U.S. and the percentage of homes with smoke detectors and security alarms is high – a bonus for home safety. TN homeowners also cut out liability risks like swimming pools and ATVs to bolster a higher property score. The Volunteer State lagged a little when it came to average home size, average year built and few other safety areas, but it still got a solid 'A.'

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