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Warren County, TN Homeowners Insurance Quotes

Warren County homeowners insurance can protect your home from damages due to fires, lightning, theft, falling objects and even vandalism under a basic Tennessee homeowners policy.

Basic Coverage Protection and Rates

For a basic standard homeowners policy in Warren County also referred to as an HO-3 policy, you are looking at paying around $108.00 per month. Most homeowners pay annually for home insurance which is estimated to be around $1296 per year. Warren County home insurance rates drastically depend on the home insurance company you choose. We can help you compare up to 12 major carriers, which will allow us to get the most competitive rate possible saving you up to 40% or more. Our quoting process also likes to work with you to provide every available discount and credit offered to you, the homeowner. More importantly, cheaper rates sometimes means cheaper coverage and a lack of protection for your home and family. The ideal policy, is one with outstanding coverage so you are insured properly but it also has to be affordable. Most homeowners living in Tennessee enjoy the benefits of lower rates, but every homeowner enjoys the comfort and protection when you need to count on your insurance company the most. Let us help shop the best Warren County homeowners policy for you.

For all Warren 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 Warren 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.

Warren County, TN Housing Demographics

With 39,839 residents living within the Warren County area there are over 17,821 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 10,891 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 Warren County.

DemographicValues
Total Occupied Households15,850
Family Households (families)10,891
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units17,821

Warren County, TN Home Insurance Average Premiums

Local Warren, 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

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

Discounts For Homeowners in Warren 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 Warren 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 Warren 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 Warren 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.

Warren County Housing & Real Estate Data

Details:Statistics
Total Housing Units17821
Occupied Housing Units15850
Vacant Housing Units1971
Vacant Housing Units for Rent565
Vacant Housing Units Rented Not Occupied24
Vacant Housing Units For Sale297
Vacant Housing Units Sold Not Occupied96
Vacant Housing Units For Seasonal Occasional Use227
Vacant Housing Units All Other Vacants762
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units15850
Housing Tenure Occupied Units Owner Occupied11135
Housing Tenure Occupied Units Owner Occupied Population27736
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied4715
Housing Tenure Occupied Units Renter Occupied Population11523
Housing Tenure Occupied Units Renter Occupied Average Household Size2