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Washington County, TN Homeowners Insurance Quotes

Getting the afforable homeowners coverage that you want in Washington County can be difficult with so many options available from local captive agents to the online comparison marketplace. It is important to know that proper coverage means doing the necessary research on your own or speaking with a home insurance professional that can help you find the affordable coverage you need with a carrier you trust. Shopping online with us at GetHomeInsuranceQuotes.com of Tennessee allows you to get top quality service from the best insurance carriers available in your area. Our rates can be shared with you online, through email, on the phone or even on our chat mesage service to help make shopping easier for you. It's important you know the coverage options available for your home in Washington County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current policy. And most of all, we can provide easy ways to help you save more money while getting more protection for your home in case if something happens. Start your online home insurance quote today!

Washington County, TN Prices Per Year

Tennessee homeowners insurance premiums are on the 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, Washington County is ranked higher in the nation with an average annual premium of $1296/yr. When comparing home insurance cost and coverage options, it's important to understand that the base premium for a standard homeowners policy may look great in terms of affordability, but maybe not so helpful in terms of the coverage and protection when you need it the most. Let us help you first compare quotes and then we can provide a free consultation to help you determine the best company and coverage options available in Washington County.

For all Washington 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 Washington 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.

Washington County, TN Housing Demographics

With 122,979 residents living within the Washington County area there are over 57,254 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 32,319 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 Washington County.

DemographicValues
Total Occupied Households51,322
Family Households (families)32,319
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units57,254

Washington County, TN Home Insurance Average Premiums

Local Washington, 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

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • 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 […]

Discounts For Homeowners in Washington 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 Washington 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 Washington 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 Washington 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.

Washington County Housing & Real Estate Data

Details:Statistics
Total Housing Units57254
Occupied Housing Units51322
Vacant Housing Units5932
Vacant Housing Units for Rent1793
Vacant Housing Units Rented Not Occupied79
Vacant Housing Units For Sale1060
Vacant Housing Units Sold Not Occupied181
Vacant Housing Units For Seasonal Occasional Use457
Vacant Housing Units All Other Vacants2362
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent9
Housing Tenure Occupied Units51322
Housing Tenure Occupied Units Owner Occupied33970
Housing Tenure Occupied Units Owner Occupied Population81694
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied17352
Housing Tenure Occupied Units Renter Occupied Population36636
Housing Tenure Occupied Units Renter Occupied Average Household Size2