Columbia, TN Homeowners Insurance

Your Complete Guide to Columbia, TN Homeowners Insurance

Find the right homeowners insurance policy for you.


Columbia, Tennessee is a historic southern city with a population of over 35,000 residents. The city and surrounding county are considered to be the Antebellum Homes Capital of Tennessee, with more pre-Civil War homes than any other county in the state. Whether you live in a historic home or a newer home in Columbia, your house could sustain damage after a fire, a severe weather event, or even a break-in or vandalism. 

If you are a homeowner in Columbia, the best way to protect your home from these types of unforeseen events is to purchase a responsive and reliable home insurance policy. An independent insurance agent can help you obtain the best and most affordable insurance coverage for your Columbia home. 

Liability Insurance for Columbia Homeowners

Liability insurance is one of the most important parts of any homeowners insurance policy. It is designed to protect you when someone claims you have caused an injury or property damage. In these cases, it’s not unlikely that you could be sued for negligence. Without insurance protection, a lawsuit could be financially devastating. But the liability insurance portion of your homeowners policy takes the worry away. 

It covers court costs, legal fees, and even settlements or judgments levied against you if you are sued. Talk to your independent insurance agent to learn how an umbrella policy can offer even more liability coverage than your home insurance policy will allow. A personal umbrella policy supplements the liability coverage in both your home and auto insurance policies. 

Burglary Rate in Columbia, TN

The home burglary rate in Tennessee is quite high compared to the national average. The home burglary rate in Columbia is slightly lower than the state average. 

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Tennessee: 6.06
  • Number of burglaries per 1,000 homes in Columbia: 5.51

If you live in an area with a higher rate of home burglaries, it will definitely impact what you pay for homeowners insurance. But if you take precautions to protect your home and your belongings from break-ins, thefts, and vandalism, you can have peace of mind and avoid having to make home insurance claims. A home security system is one of the best ways to keep burglars away. And always keep your home well-lit, inside and out. 

Be sure to leave the lights on even when you are away, and keep your doors locked even during the day. A local independent insurance agent can help you be certain that your home and your possessions are properly insured. If you have items like expensive jewelry, special collections, or family heirlooms, ask your agent about adding special endorsements or riders to make sure that these items have appropriate coverage. 

Catastrophic Events in Tennessee

  • Number of declared disasters in Tennessee: 69
  • Most common reasons for disasters in the state: Severe Storms and Floods
  • Average number of tornadoes per year in Tennessee: 29.1
  • Average amount of property damage per year in Tennessee: $1,153,112,000
  • 1 in 15 insured homes has a claim each year

Tennessee homeowners insurance protects you from the financial consequences of most property losses you could experience, including damage caused by tornadoes, heavy rains, and lightning. After a devastating tornado or even a more common event like a kitchen fire, your homeowners insurance policy will help reimburse you for repair costs, lost and damaged possessions, and even living expenses if you can’t live at home while you make repairs. 

Severe storms and floods are a real threat in Tennessee. It’s important to keep in mind that flood damage is not covered by your homeowners insurance policy. Tennessee residents should consider purchasing separate flood insurance from the National Flood Insurance Program (NFIP). Your independent insurance agent can help guide you. 


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Cost of Homeowners Insurance in Columbia, TN

Tennessee is the 22nd most expensive state for home insurance in the US. The average cost of homeowners coverage in Columbia is lower than the national average.

  • National average yearly premium: $1,173
  • Tennessee average yearly premium: $1,149
  • Columbia average yearly premium: $794

When you receive quotes for homeowners insurance, expect your premiums to be more or less than the average for your city. Everyone’s homeowners insurance rates are a little different because insurance costs are based on your home’s unique characteristics and the amount of coverage you need. 

The factors used to calculate homeowners insurance rates include the type of home you are insuring, the age, size, and value of your home, and the materials used to construct your home. Many of the historic homes in Columbia may need special coverage; home insurance rates for these homes may not be comparable to insurance premiums for newer homes. Insurance companies also evaluate other risk factors, such as: 

  • Your claims history and credit score
  • The crime rate and weather risks in your city or ZIP code

The amount of coverage you need and the deductibles you choose also impact your rates. Most insurance companies offer a variety of discounts to help you save. The best way to make sure that you are getting the best price is to shop around. An independent insurance agent can get quotes from multiple insurance companies, so you can compare costs and coverage and make the best choice for your needs and budget. 

Second Home and Vacation Home Insurance

If your primary residence is in Columbia and you own a second home, vacation home, or rental property, you have special insurance considerations. Because second homes often have different risks than primary residences, you might need insurance coverage that is different from a standard home insurance policy. 

It’s important to talk to your insurance agent about how to sufficiently insure all of your residential properties. If you own a rental property, you probably need landlord insurance to protect you from the additional liability risks associated with renting out your property to tenants. 

If your second home or vacation home is vacant for long periods, it is more susceptible to fires, water damage, and ice damage. What’s more, thieves and vandals often target homes that are empty for long periods. In these cases, vacant home insurance may be necessary to protect your investment. An independent insurance agent can help you find the right home insurance policy for all of your residential properties. 

Why Work with A Columbia, Tennessee Independent Insurance Agent?

The easiest way to find a reliable and affordable homeowners insurance policy is by contacting a local independent insurance agent. These agents work for you, not for a particular insurance company, so you can be sure that you are receiving trustworthy guidance and the coverage you need. 

Contact an agent near you to start comparing customized, competitively priced home insurance quotes. 

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