Jackson, TN Homeowners Insurance

Your Complete Guide to Jackson, TN Homeowners Insurance

Find the right homeowners insurance policy for you.


Jackson, Tennessee is home to more than 65,000 residents and 25,000 households. If you own a home in Jackson, be sure to protect your investment with a home insurance policy that will respond when you need it most. An independent insurance agent in Jackson can help you find the best home insurance policy for your needs. Independent agents can help you get quotes from multiple insurance companies, so you can make the best choice for your needs and budget. 

Liability Insurance for Jackson Homeowners

Your Jackson home insurance covers you against certain types of lawsuits you could face as a homeowner. While the likelihood of being sued is pretty low, the liability insurance portion of your homeowners policy becomes your financial lifeline if someone accuses you of negligence. Liability insurance covers expenses related to a lawsuit, including attorney fees, court costs, and even any damages you are required to pay if you are sued for a covered event. 

Your homeowners insurance policy responds to lawsuits related to third-party injuries that occur on your property, damage caused by your pets or children, accusations of libel or slander, and other acts of negligence by you or a family member. Many homeowners in Jackson choose to supplement their homeowners liability coverage with a personal umbrella policy. It enables you to protect all of your assets if you are forced to pay out a sum in excess of the liability limits of your home or auto insurance policy.

Burglary Rate in Jackson, TN

Jackson, TN has a very high overall crime rate and a very high home burglary rate, as well. There are 9.70 burglaries per 1,000 homes in Jackson each year, on 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 Jackson: 9.70

Homeowners in Jackson should take precautions to prevent thefts and break-ins. Be sure to lock your doors, keep your home well-lit, and make your house look occupied even when you aren’t at home. Home security systems serve as excellent theft deterrents. What’s more, many insurance companies offer discounts to policyholders who have installed burglar alarms in their homes. 

If you are the victim of a burglary, your homeowners insurance company can reimburse you for lost and damaged possessions, as well as broken windows, doors, or locks. Be sure to call the police and your insurance company immediately if you discover a break-in. Keep a copy of the police report, too, because you’ll need it to file an insurance claim. And don’t forget, your independent insurance agent is there to help and advise you throughout the claims process. 

Catastrophic Events in Tennessee

Jackson, Tennessee is no stranger to catastrophic weather events. Several strong tornadoes struck the city between previous years, resulting in many injuries, several fatalities, and extensive property damage. Severe thunderstorms have also wreaked havoc on the town. A recent storm destroyed dormitories on the Union University campus, and a severe thunderstorm dropped 13 inches of rain on the town of Jackson in a short period. The resulting flash floods destroyed many homes. 

  • 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

The purpose of homeowners insurance is to cover your financial losses when something damages or destroys your home or personal property. As a homeowner in Jackson, you face hazards like fires, property crimes, and severe weather events like thunderstorms, tornadoes, and floods. While covering the structure of your home appropriately is essential, be sure to get the coverage you need for your possessions, too. 

Sometimes certain art, valuables, or collections need additional riders or endorsements to ensure you are reimbursed for their full value if you have a loss. Remember that damage caused by flooding is not covered by your home 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 Jackson, TN

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

  • National average yearly premium: $1,173
  • Tennessee average yearly premium: $1,149
  • Jackson average yearly premium: $907

Actual home insurance rates provided by your independent insurance agent will be more or less than average, especially in a city where you can find a wide range of home values. Home insurance rates are calculated on a case-by-case basis and are based on your unique risk factors such as:

  • The size of your house, the year it was built, and the age of your roof
  • The estimated cost to rebuild your home (replacement cost)
  • Your history of filing claims and your credit score
  • Your coverage limits and deductible amount
  • Whether you are purchasing other policies, such as car insurance, from the same insurance company

What’s more, every insurance company uses a different formula to calculate its rates so premiums vary from carrier to carrier. It’s important to shop around to find the policy and insurance company that best fits your needs and budget. Independent insurance agents are there to help. Contact an agent today to get competitive quotes for Jackson homeowners insurance. 

Second Home and Vacation Home Insurance

Many Jackson residents own a vacation home, cottage, or rental property in addition to their primary residence. Any type of second home needs insurance coverage, and homes that do not serve as a primary residence actually involve some additional risks. You may even find that your second home insurance is more costly than the coverage for your primary residence. Vacation homes are often left unoccupied and unattended for several months of the year. These homes are more susceptible to thefts, vandalism, break-ins and property damage than homes that are occupied all year.

 Vacant home insurance can help give you peace of mind in these situations. If you have a rental property, your risk for liability claims and lawsuits is higher. Landlord insurance is typically necessary if you own a second home that is occupied by tenants. An independent insurance agent in or near Jackson can help you find the best policies to cover all of your residential properties. 

Why Work with an Independent Insurance Agent?

Independent insurance agents make it fast and easy to find the best policy to cover your Jackson home. Because they aren’t tied to a single insurance company, they can help you comparison shop for the best coverage and most affordable rates for your needs.

Find an agent in or near Jackson to start comparing customized home insurance quotes from an assortment of highly-rated insurers.

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