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Tennessee Homeowners Insurance Quotes

Tennessee is ranked in the middle in terms of home insurance cost compare to other states, it's average average rank is 24. Shopping for Tennessee homeowners insurance is easier when you live in a state that is protected from major wind or floods because the risk is lower and of course the premiums become cheaper. This is why getting free home insurance quotes from GetHomeInsuranceQuotes.com is so easy! You can simply enter your zip code above and compare carriers, coverages and prices.

Although Tennesse is not on the coast and is protected from North Carolina to the east and South Carolina, Georgia, and Alabama from the south the state of Tennessee is know for it's large volume of rain fall and thunderstorms. Some of the major loss types are derived from thunderstoms which can cause flooding and lightning. It's important to always make sure your home is not in a flood zone, so speak with your home insurance agent about the location of your home and the best coverage options available for your most valuable investment.

Average Homeowners Insurance Premiums in Tennessee

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Tennessee homeowners are paying on average. Did you know that the average homeowners insurance premium in Tennessee is $1296? Tennessee is now ranked 21 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Tennessee is 1.14% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1296 (2.9%)$ 10821
2019$1259 (2.2%)$ 10521
2018$1232 (2.97%)$ 10323
2017$1196 (0.92%)$ 10022
2016$1185 (3.08%)$ 9921

When we combine the state averages over the last decade, the Tennessee overall average is estimated to be around $1,107.27. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Tennessee current state rank compare to the rest of the country is #21. Consider shopping your Tennessee home insurance with us so we can help you save up to 40% or more on your policy.

Tennessee Homeowners Insurance News & Information

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

Tennessee Housing & Real Estate Data

Details:Staticstics
Total Housing Units2812133
Occupied Housing Units2493552
Vacant Housing Units318581
Vacant Housing Units for Rent98370
Vacant Housing Units Rented Not Occupied3980
Vacant Housing Units For Sale47274
Vacant Housing Units Sold Not Occupied10518
Vacant Housing Units For Seasonal Occasional Use60778
Vacant Housing Units All Other Vacants97661
Housing Units Homeowner Vacancy Rate Percent2.7
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units2493552
Housing Tenure Occupied Units Owner Occupied1700592
Housing Tenure Occupied Units Owner Occupied Population4304472
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.53
Housing Tenure Occupied Units Renter Occupied792960
Housing Tenure Occupied Units Renter Occupied Population1888161
Housing Tenure Occupied Units Renter Occupied Average Household Size2.38

Understanding Tennessee Homeowners Insurance

When shopping for Tennessee homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Tennessee renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Tennessee, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Tennessee rates and coverage options.