Tennessee Homeowners Insurance Quotes

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 $1492? Tennessee is now ranked 23 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 13.81% more than the national average.

When we combine the state averages over the last decade, the Tennessee overall average is estimated to be around $1,297.93. 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 #23. Consider shopping your Tennessee home insurance with us so we can help you save up to 40% or more on your policy.

For more information on homeowners insurance in your area, choose a county below:

• Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026

  Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]

• Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026

  Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]

• Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025

  Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums — from simple paperwork to Florida’s “My Safe Florida Home” program — while shopping smarter for companies that combine strong service with […]

• Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

  According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

• Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

  While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]