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Grainger County, TN Homeowners Insurance Quotes

Getting afforable home insurance coverage in Grainger County can sometimes be difficult with so many options available from local captive agents like State Farm and Allstate to the online comparison marketplace. It is important to know that getting the right coverage means doing the necessary research or speaking with a Tennessee home insurance professional that can help you find the coverage you need. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the best insurance carriers available locally. It's important for you to know the coverage options available for your home in Grainger County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current policy. Shopping online for Grainger County home insurance rates is free and easy to use.

Tennessee home insurance rates are on the rise and seem to increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Grainger County is ranked higher in the nation with an average annual premium of $1296 per year. When comparing home insurance cost and coverage options, it's important to understand that the base premium for basic HO-3 policy may look great in terms of affordability, but maybe lacking the protectiong you need when you need a home insurance provider. Take advantage of our enhanced coverage options and let us help you easily shop better rates today!

For all Grainger 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.


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Grainger County, TN Housing Demographics

With 22,657 residents living within the Grainger County area there are over 10,894 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 6,577 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 Grainger County.

DemographicValues
Total Occupied Households9,029
Family Households (families)6,577
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units10,894

Grainger County, TN Home Insurance Average Premiums

Local Grainger, 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

  • Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025

    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

Discounts For Homeowners in Grainger 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 Grainger 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 Grainger 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 Grainger 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.

Grainger County Housing & Real Estate Data

Details:Statistics
Total Housing Units10894
Occupied Housing Units9029
Vacant Housing Units1865
Vacant Housing Units for Rent193
Vacant Housing Units Rented Not Occupied9
Vacant Housing Units For Sale170
Vacant Housing Units Sold Not Occupied56
Vacant Housing Units For Seasonal Occasional Use792
Vacant Housing Units All Other Vacants645
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units9029
Housing Tenure Occupied Units Owner Occupied7302
Housing Tenure Occupied Units Owner Occupied Population18234
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied1727
Housing Tenure Occupied Units Renter Occupied Population4272
Housing Tenure Occupied Units Renter Occupied Average Household Size2