Home Insurance in Tennessee
Home insurance in Tennessee is near the national average, with tornadoes, severe storms, and flooding the main weather risks.
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Tennessee at a glance
Data as of 2022Average cost
$1,492/yr
≈ $124/mo
vs U.S. average
-5%
below the national avg of $1,569/yr
Top risks
Tornadoes, severe storms & flooding
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
Home insurance in Tennessee is near the national average, with tornadoes, severe storms, and flooding the main weather risks.
How much does home insurance cost in Tennessee?
The average homeowner in Tennessee pays $1,492 per year for home insurance — that’s 5% below the U.S. national average of $1,569/yr. Your own rate depends on your home’s rebuild cost, age, construction, location, and claims history.
Tennessee vs the national average
5% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Tennessee
Wind, hail, and tornado claims drive standard pricing; flooding — a recurring problem in parts of the state — is excluded and needs separate coverage.
What home insurance covers
A standard Tennessee homeowners (HO-3) policy bundles several coverages. Note what’s not included — flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings — furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded — separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Tennessee
Rates for the same home can vary widely between insurers in Tennessee, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security — alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages — your quote will differ based on your specific home.
Tennessee home insurance FAQs
Common questions about homeowners insurance in Tennessee
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