Cookeville Homeowners Insurance

Your Complete Guide to Cookeville, TN Homeowners Insurance

Find the right homeowners insurance policy for you.


Cookeville is a fast-growing city in Tennessee with over 111,000 residents. If you own a home in Cookeville, you need a reliable and responsive homeowners insurance policy. An independent insurance agent in the area can help you compare quotes and find the best coverage and price for your needs.

Liability Insurance for Cookeville Homeowners

Homeowners may face claims of negligence at any time. If someone gets hurt on your property or your child or pet causes an injury or property damage, you may need to pay for the injured party’s property repairs or medical bills. What’s more, you could be sued and face extensive legal costs to defend yourself or settle the issue. Your home liability insurance covers the costs of these kinds of lawsuits. It pays for court costs, attorney fees, and even any settlements or judgments that you are required to pay. It covers situations like:

  • A guest getting injured on your property
  • Your pet biting a passerby
  • Your child damaging a neighbor’s home
  • Accusations of slander or libel (e.g., you are accused of slander for something you posted online)

Some Cookeville homeowners might want more liability coverage than their home insurance allows. In these cases, a personal umbrella insurance policy offers supplemental liability coverage beyond the limits of your home insurance and car insurance. A local independent insurance agent can help you review your options and compare costs. 

Burglary Rate in Cookeville, TN

Cookeville has a relatively high home burglary rate, with around 9.14 burglaries per 1,000 homes each year.

  • 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 Cookeville: 9.14

It’s important for Cookeville residents to safeguard their homes from burglaries, break-ins, and vandalism. It’s a good idea to install security lights and cameras, use deadbolt locks, and leave lights on when you’re away from home. A home security system is one of the best ways to prevent break-ins. It can keep burglars away, alert you when break-ins are attempted, and may even help you get a discount on your home insurance. 

If you are the victim of a break-in or burglary, your homeowners insurance can help you get back to normal. It will reimburse you for damage to your home as well as stolen or damaged possessions. And your independent insurance agent will be there to help you throughout the claims process. 

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

Your home insurance is designed to protect you when severe weather or other disasters strike. Severe storms with heavy rains, strong winds, hail, and lightning are not uncommon in Cookeville, and with a reliable homeowners insurance policy, you’ll be able to make repairs to your roof or siding with minimal hassle. If you live in an area that is prone to floods, be sure to talk to your insurance agent about the importance of flood insurance. Flood damage is not covered by your homeowners insurance, even if it is caused by a severe storm. Flood insurance is available from the National Flood Insurance Program (NFIP).


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Cost of Homeowners Insurance in Cookeville, TN

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

  • National average yearly premium: $1,173
  • Tennessee average yearly premium: $1,149
  • Cookeville average yearly premium: $1,083

Your home insurance rates will be more or less than the average for your city. Each insurance company uses a different formula to compute the premiums that it charges. Most insurance companies base their calculations on your individual home, the risk factors for your neighborhood, and your specific coverage needs. If you live in a ZIP code that has a high crime rate or is highly susceptible to natural disasters, you can expect to pay more than someone living in a safer area. The individual risk factors that insurance companies look at include:

  • The size, age, and value of your house 
  • Whether the property is your primary residence or a second home
  • The number of stories in your house and whether it has a basement
  • The crime rate and weather risks in your ZIP code
  • Your claims history and credit score
  • The amount of coverage you need and your deductible

Shopping around for the best rates is easy with the help of an independent insurance agent. Independent agents aren’t tied down to one carrier, so they can obtain multiple quotes and help you make an informed choice. 

Second Home and Vacation Home Insurance

Maybe you own a vacation home on one of Tennessee’s many lakes or a hunting cabin in the country. Or do you own a rental property in town? If you own more than one house, you need insurance that appropriately covers all of your properties. A house that is not your primary residence has additional risk factors and considerations, so insurance companies may require it to be covered by different types of insurance. 

  • Vacation houses that are periodically unoccupied face particular risks, unlike primary residences. Property damage and break-ins are more likely in unoccupied homes, so these properties may need to be covered by vacant home insurance
  • Owners of rental properties have higher liability risks. If you own a rental property, you might require increased liability coverage but less coverage for the contents of the property. Landlord insurance can help you properly cover your rental property. 

Your local independent insurance agent can help you obtain multiple quotes for your additional residential properties. You can choose the coverage that best fits your needs.

Why Work with an Independent Insurance Agent?

Independent insurance agents make comparison shopping for Cookeville home insurance easy. Independent agents work with several different insurance companies, so they can help you find the right coverage for your needs and budget.

Contact a local agent for customized quotes now. 

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