The Best and Cheapest Home Insurance Companies in Tennessee

Compare Home Insurance Quotes in Tennessee

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In Tennessee, the best price for a typical homeowners policy policy is $899 per year. however, we recommend against buying your home indemnity policy based entirely on price — customer service and coverage options matter, besides. here are our top choices for the best homeowners insurance in Tennessee .
Best for most homeowners: Erie

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Best for online tools: Allstate
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Best for cheapest rates: Shelter
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Best for military families: USAA
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Best for most people: Erie Insurance

Get a Quote Erie has big insurance rates, with well-regarded customer service to bang. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/erie-3 ”, ” description ” : ” Erie has capital insurance rates, with well-regarded customer service to boot. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/www.erieinsurance.com\/OnlineQuote\/ ”, ” identify ” : ” Erie ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : fake, ” hideTitle ” : true, ” title ” : ” Erie ” }
Our favored home insurance company in Tennessee and our recommendation for most people is Erie Insurance, which offers the best overall combination of low-cost rates, varied coverage options and impregnable customer service. Erie ‘s statewide average price of $ 1,045 was 16 % less than the overall average across every insurance company we looked at .
We ‘ve positively reviewed Erie ‘s insurance offerings in the past. It has systematically well-reviewed service from its customers and a variety show of discounts and appealing coverage options. For exemplar, they offer guarantee substitution cost coverage, which will pay for the full expense of replacing a damaged or stolen item, regardless of how old it is. Erie besides offers car indemnity, so you may be able to reduce your insurance expenses tied more by combining all your policy policies with one caller .
The biggest potential drawback of Erie Insurance is that it ‘s only available from freelancer indemnity agents. This can make it more challenging to get coverage if you live in an area without any nearby agents. And if you prefer to buy and manage your home indemnity on-line, you wo n’t be glad with Erie .

Best for online tools: Allstate

Get a Quote Allstate has potent on-line tools for those who prefer to manage their home policy policy on the web. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” chief ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/allstate-3 ”, ” description ” : ” Allstate has potent on-line tools for those who prefer to manage their home insurance policy on the world wide web. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” connection ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.allstate.com & carrier=Allstate ; V3-KqiM8njdUmnsgCxn7FDJD0uB3sJUh9wBJ1vHHWSJ0ejfGjMTDslMuO7nbOCg_6xpk_FXibtxuHjX68d0aQeJyivBQSQ ”, ” diagnose ” : ” Allstate Home Insurance ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : on-key, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” entitle ” : ” Allstate Home Insurance ” }
Homeowners who prefer to manage their policies online — either because they live in a distant area or just because of the appliance of being able to buy policy from your calculator or smartphone — should take a search at Allstate. As one of the largest home policy companies in the country, Allstate has versatile on-line tools that allow you to shop for quotes, buy a policy, charge claims and make changes to your policy on-line .
In addition, Allstate ‘s average annual rates were on the low-cost side. We found an average price of $ 1,088 per year of coverage, which is 12 % less than the state of matter average. Allstate besides has a wide range of coverage options, meaning most homeowners will find the right kind of protective covering with Allstate. In addition to homeowners insurance, Allstate sells car, motorbike and animation indemnity policies .

Best for cheapest rates: Shelter Insurance

Get a Quote Shelter ‘s low-cost rates were odd among Tennessee insurers. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” basal ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/shelter-1 ”, ” description ” : ” Shelter ‘s low-cost rates were odd among Tennessee insurers. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” yoke ” : ” hypertext transfer protocol : \/\/www.shelterinsurance.com ”, ” name ” : ” shelter ”, ” hideBanner ” : faithlessly, ” hideDescription ” : faithlessly, ” hideDetails ” : true, ” hideDisclaimer ” : fake, ” hideTitle ” : true, ” title ” : ” shelter ” }
Homeowners looking for the absolute lowest rate on family indemnity in Tennessee should start with Shelter policy : at an average of $ 899 per year, it had the lowest prices statewide. That ‘s 28 % less than Tennessee ‘s overall average .
however, the fact that Shelter is the cheapest option on average does n’t mean it will be the most low-cost option in every separate of Tennessee. In many ZIP codes, early insurers offered lower rates. And homeowners who have different coverage needs are likely to find different prices from home plate indemnity companies. The only direction to guarantee you ‘re paying the lowest price for your property is to get a quotation for your home .
Besides its low prices, Shelter besides has a surprise range of coverage options for a smaller policy company. noteworthy excess coverages include emergency removal of property, deoxyadenosine monophosphate well as protective covering for extra structures and landscaping on your place .
Like many smaller home insurance companies, Shelter does n’t offer many of the on-line services you might expect at a bigger caller. For model, while you can file a claim on-line, there ‘s no on-line quote option ; you must purchase through an agentive role .

Best for military families: USAA

Get a Quote USAA has excellent customer serve and benefits that will appeal to military servicemembers. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” engage ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/usaa-3 ”, ” description ” : ” USAA has excellent customer service and benefits that will appeal to military servicemembers. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/www.usaa.com\/inet\/wc\/insurance-products ? akredirect=true ”, ” name ” : ” USAA ”, ” hideBanner ” : fake, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” title ” : ” USAA ” }
For Tennesseans with ties to the military, we recommend USAA as a potent home insurance company. USAA ‘s home rates are n’t as competitive in Tennessee as they are in other states : its statewide median of $ 1,342 was $ 101 more than the overall average we found. still, the party ‘s highly see customer serve and benefits geared to servicemembers may make it worth the higher expense .
Most importantly, USAA has earned a reputation for providing excellent service to its customers, particularly when it comes to claims. To that end, it has a perfective 5/5 from J.D. Power ‘s homeowners insurance satisfaction review and an impressively depleted 0.15 charge index from the National Association of Insurance Commissioners ( NAIC ).

USAA besides provides a few unique benefits and perks to servicemembers and their families. For example, USAA covers your personal property in warzones, which most insurers do n’t do. This means any belongings you bring with you while you ‘re deployed are protected, no matter where you go .
Besides homeowners insurance, USAA besides provides a fully cortege of early fiscal products. This includes car indemnity, banking, citation cards and loans .
Keep in beware that USAA is not available to everyone. only two groups of people may apply : stream or early members of the U.S. military and anyone whose immediate kin has been a customer of USAA in the past .

The best-reviewed homeowners insurance companies in Tennessee

When shop for the right homeowners insurance company, price is important, but it ‘s army for the liberation of rwanda from the only consideration you should make : evenly significant is the level of care and overhaul you ‘ll receive. Two factors we consider are a company ‘s NAIC ailment index, which shows the proportional number of complaints a company has received compared to its size, and the A.M. Best fiscal constancy rat .

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The cheapest options for homeowners insurance in Tennessee

We collected hundreds of quotes from homeowners indemnity companies across Tennessee in order to find the best price. We found that Shelter offers the lowest prices to Tennessee homeowners, with an median rate of equitable $ 899 statewide .
The average monetary value of homeowners indemnity in Tennessee is $ 1,241 per class .

Compare Home Insurance Quotes from Providers in Tennessee

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Common homeowners insurance perils in Tennessee

The most common types of insurance perils in Tennessee are related to severe weather — wind and hail wrong, followed by flooding. Tennessee is far adequate inland that the state does not very often get hit by full-force hurricanes ; however, it ‘s coarse for the remnants of these major storms to affect the submit, particularly in the easterly half .
Tennessee is besides subject to casual winter storms, and conditions like coke and freezing rain can lead to an policy claim, excessively .

Is wind damage covered by insurance in Tennessee?

Wind damage is one of the most patronize causes of indemnity claims nationwide, and Tennessee is no unlike. fortunately, wind price is about always covered by home insurance claims. This is true whether the wrong is a fail window, or shingles being ripped off your roof .

Is flood damage covered by homeowners insurance?

unfortunately, damage from implosion therapy is about never covered by homeowners policy policies. If your home floods from rain or an overflowing body of body of water, the only kind of insurance that will protect you is a standalone flood indemnity policy. These policies are completely freestanding from homeowners indemnity companies, though many companies sell both kinds .
You have two main options for flood indemnity : a government-sponsored policy through the National Flood Insurance Program ( NFIP ), or a wholly private policy created by an insurance company. Policies created through the NFIP have the lapp coverages and rates no count which company you buy from ; the details of private policies will vary by company .

Tennessee insurance rates: City-by-city breakdown

In addition to calculating the average cost of home indemnity for every ZIP code in Tennessee, we besides did a city-by-city breakdown of indemnity rates — so you can compare your indemnity rates with what ‘s typical in your sphere. Remember that homeowners indemnity prices can vary greatly based on home plate price and design, specific location and other factors, so the average rate in your city may not match what you pay .

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For a broader search at the costs of coverage, you can explore our analysis of how much homeowners indemnity rates are in other states .

Methodology

For our analysis, we collected indemnity quotes from seven of the circus tent insurance companies in Tennessee for every ZIP code in the state of matter. We based our quotes on a 2,100 hearty animal foot home built in 1982 with $ 167,500 of dwelling coverage. The companies we surveyed are :

• State Farm
• Tennessee Farm Bureau
• Allstate
• USAA
• Erie
• Travelers
• Shelter Insurance

ValuePenguin ‘s analysis used policy rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for relative purposes only — your own quotes may be different .