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The average American homeowner pays $1,173 per year for home insurance, but in Tennessee, the average annual premium is slightly lower at just $1,149. Even though home insurance costs in Tennessee may seem like a lot of money, having this coverage is vitally important, because hazards like severe weather, hail, fire, and property crimes in this state can cause expensive losses to homeowners who are not insured.
Your home insurance gives you a backup plan in case a disaster strikes in your neighborhood. Whether it's a fire, hailstorm, tornado, or a rash of burglaries, you're covered if you have a suitable Tennessee homeowners insurance policy.
Pays to repair or replace your home and your belongings
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but in 2016, insurance companies spent more than $1.15 billion on home insurance claims in Tennessee. That's a lot of unfortunate events happening to Tennessee homeowners.
Insurance companies calculate home insurance costs by asking, "How likely is it that something bad will happen?" The more likely it is that a damaging event can happen to your house, the more expensive your home insurance policy will be. We call these potential disasters "risks” or “exposures.” Let’s take a look at how risky Tennessee is compared to the rest of the US.
The burglary rate in Tennessee is higher than the national average. Be sure to protect your property by keeping doors and windows securely locked, keeping entryways well-lit and unobstructed from view, and putting lights on timers when you are out of town. Installing a burglar alarm can earn you a discount on your home insurance costs.
Severe weather, including hailstorms and tornadoes, can wreak havoc on residential properties in this state. Be sure that your home insurance provides all the coverage you need before disaster strikes.
Yes! There are currently 366 Trusted Choice agents in Tennessee who are ready to help. Did you know that independent insurance agents can work with several different insurance providers to find you the best rate for coverage? That way, you can buy a policy that meets all your coverage needs at a price you can afford.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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