Tennessee home insurance

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Nashville skyline overlooking the Cumberland River

Tennessee homeowners insurance coverage

Homeowners in Tennessee face many challenges throughout the year. Though spring is generally considered an extreme weather season due to increased tornado activity, it is important to be prepared for every season. In the summer, thunder, lightning, and hail storms can unexpectedly damage property. Many outside the state might not be aware that Tennessee has also been known to experience earthquakes throughout the year. Liberty Mutual understands the needs of Tennessee homeowners and offers customized homeowners insurance coverage to fit your specific situation.

What types of homeowners insurance coverages are recommended in Tennessee?

The following insurance coverage comes standard with any homeowners policy:

Note that most tornado damage is generally covered under these standard coverage policies.

The following insurance coverages are recommended for homeowners in Tennessee:

  • Flood insurance: Homeowners insurance generally does not cover damage caused by floods, including flashfloods which can be a problem in Tennessee. The state is home to several major rivers, lakes, and streams—many of which have been dammed and can lead to significant flooding if they are damaged. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.

  • Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.

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The following optional homeowners insurance coverages should be considered by all homeowners in Tennessee:

  • Blanket Jewelry
  • Escape of Water
  • Inflation protection

Is homeowners insurance required by law in Tennessee?

No, homeowners insurance isn't required by law in Tennessee, but your mortgage company will most likely require it in order to get a loan.

What is the average cost of homeowners insurance in Tennessee?

The average cost of homeowners insurance in Tennessee is $2,124 per year according to NerdWallet.2 That's 30% higher than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.

Still unsure about your homeowners insurance policy options?

Tell us your zip code and we'll suggest coverage options that may be a good fit for where you live in Tennessee.

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Tennessee insurance agents near me

Liberty Mutual Offices in Tennessee

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Get a quote in minutes. Here's what you'll need:

  • Basic information about your property
  • Basic information about you, any co-owners, and occupants
  • Ownership or mortgage status
  • Details about your home's construction and any safety features
  • If you have an existing homeowners insurance policy

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1Depending on where you live, you may be able to opt out of this coverage if you participate in your state's FAIR insurance plan for high-risk areas.
2Dollar values represent averages displayed on NerdWallet's website as of October, 2022. https://www.nerdwallet.com/article/insurance/average-homeowners-insurance-cost
Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.