Johnson City Homeowners Insurance

Your Complete Guide to Johnson City, TN Homeowners Insurance

Find the right homeowners insurance policy for you.


Johnson City is the ninth-largest city in Tennessee with a population of over 66,000 residents. It is often considered a great place to live because of its low cost of living, affordable homes, and lower-than-average utility, transportation, and healthcare costs. 

If you own a house in Johnson City, you will want to be sure to protect your investment with a reliable home insurance policy. When you are shopping for Johnson City home insurance, ask a local independent insurance agent for help. 

Liability Insurance for Johnson City, Tennessee Homeowners

Homeowners insurance provides policyholders with liability insurance. It is designed to cover you for claims of negligence and lawsuits that you may face as a property owner. If your dog bites a neighbor or a guest trips inside your home and is injured, you will probably be expected to pay for medical bills or other expenses related to the incident. What’s more, these types of incidents often lead to lawsuits. 

Your liability insurance pays for the injured party’s medical expenses, as well as court costs, attorney fees, and any settlements or judgments levied against you. If you have liability risks beyond what your home insurance policy can cover, talk to an independent agent about how an umbrella policy can supplement your other coverage and offer extensive protection of your assets if you are sued. 

Home Burglary Rate in Johnson City, TN

The home burglary rate in Johnson City is higher than the national average but lower than the average for the state of Tennessee overall.

  • 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 Johnson City: 5.89

No matter where you live, you can’t take your home’s safety for granted. It’s important to safeguard your home from burglaries, break-ins, and vandalism. And if you experience a burglary in your home, a reliable homeowners insurance policy can help you get back on your feet quickly. Home insurance helps you pay for damage to your home, as well as repairing or replacing stolen or damaged possessions. 

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

Johnson City is not immune to natural disasters. The most common causes of disasters in the area are severe storms and floods. The property coverage in your home insurance includes coverage for both the structure of your home and its contents (your personal possessions). It is important that you purchase a policy with adequate coverage for both, so you can rebuild your home and replace your belongings should the worst happen. 


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Cost of Homeowners Insurance in Johnson City, TN

Tennessee is the 22nd most expensive state for home insurance in the US. The average cost of homeowners coverage in Johnson City is lower than both the state and national averages. And you can still work with an independent insurance agent to find the best local rates. 

  • National average yearly premium: $1,173
  • Tennessee average yearly premium: $1,149
  • Johnson City average yearly premium: $1,053

Your homeowners insurance premiums are likely to vary from the average cost in your city. That’s because rates are determined according to your unique home and coverage needs. Insurance companies calculate individual home insurance rates based on the age, size, value, and building materials of your home, and the type of home you have. 

Insurance companies also evaluate the crime rate and weather hazards in your city or ZIP code. The amount of coverage you need and the deductibles you choose also impact your Johnson City home insurance rates. Fortunately, many policyholders qualify for discounts if they bundle multiple insurance policies with the same insurance company. Consider bundling your car insurance or life insurance with your home insurance in order to get the best rates. 

Second Home and Vacation Home Insurance

Houses that do not serve as primary residences have additional risk factors that may make a traditional homeowners insurance policy insufficient. Special policies like landlord insurance for rental properties and vacant home insurance for unoccupied or seasonal homes offer better protection. 

But because of the varied and increased risks of second homes, this coverage may actually cost more than the coverage for your primary residence. If you are a Johnson City resident who owns a second home or a vacation home, a local independent insurance agent can help you find the customized coverage you need. 

Why Work with a Johnson City, Tennessee Independent Insurance Agent?

Independent insurance agents are available to help you with your personal insurance needs. A local agent can answer questions about coverage, get competitive quotes, and help you make an educated choice for the policy that meets your needs and budget.  

Contact an agent in Johnson City to learn more. 

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