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Cumberland County, TN Homeowners Insurance Quotes

Cumberland County (TN) homeowners are now averaging around $108.00 per month for homeowners insurance coverage. For Tennessee, this amounts to $1296 per year for a standard (HO-3) home insurance policy. When you compare the national average, rates are around 1,249 per year. Tennessee is now ranked #21 in the country for the highest paid home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Cumberland County, TN so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. You can easily compare rates by giving us a call now or enter your zip code to start our hassle free online quoting application. With some basic information about your home, we can help you review which carrier has the best rate and which policy per insurance provider has the best coverage. There is a big difference when it comes to protecting your home when you need it the most. Financial protection for repairs or rebuilding your home is crucial and so a cheaper rate may not always be the best decision when you need to count on an insurance provider to help you coverage financial loss due to a wind storm, hail, hurricanes or even flooding. Although, flooding is not covered under a basic policy, we can help you enhance your coverage to help add that extra protection. Let us help you shop your new home insurance policy today!

For all Cumberland County, TN residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Cumberland County? Simply enter your zip code to get your Tennessee homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Cumberland County, TN Housing Demographics

With 56,053 residents living within the Cumberland County area there are over 28,151 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 16,954 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Cumberland County.

DemographicValues
Total Occupied Households23,791
Family Households (families)16,954
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units28,151

Cumberland County, TN Home Insurance Average Premiums

Local Cumberland, TN homeowners insurance quotes comparison

$977 /yr.

Tennessee's Average Home Insurance Rates Overall

For the state of Tennessee, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 21 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$681 /yr.
Current Average Cost:$977 /yr.
Maximum Range:$1296 /yr.

Tennessee Homeowners Insurance News & Information

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

Discounts For Homeowners in Cumberland County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Tennessee homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Cumberland County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Cumberland County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Cumberland County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Cumberland County Housing & Real Estate Data

Details:Statistics
Total Housing Units28151
Occupied Housing Units23791
Vacant Housing Units4360
Vacant Housing Units for Rent730
Vacant Housing Units Rented Not Occupied49
Vacant Housing Units For Sale669
Vacant Housing Units Sold Not Occupied136
Vacant Housing Units For Seasonal Occasional Use1750
Vacant Housing Units All Other Vacants1026
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent13
Housing Tenure Occupied Units23791
Housing Tenure Occupied Units Owner Occupied18716
Housing Tenure Occupied Units Owner Occupied Population43221
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied5075
Housing Tenure Occupied Units Renter Occupied Population12196
Housing Tenure Occupied Units Renter Occupied Average Household Size2