Kingsport Homeowners Insurance

Your Complete Guide to Kingsport, TN Homeowners Insurance

Find the right homeowners insurance policy for you.


Kingsport, Tennessee is a city with over 52,000 residents. If you own a home in Kingsport, you’ll want to protect your investment with a reliable home insurance policy. A local independent insurance agent can help you shop for Kingsport homeowners insurance. Independent agents aren’t tied to one carrier. They can obtain quotes from multiple insurance companies, answer your questions, and make sure you get the coverage that best fits your needs and budget.

Liability Insurance for Kingsport, 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 someone is injured on your property or in your home, or if a member of your family injures a third party, you can expect to at least be required to reimburse the injured party for their related expenses. It’s also not unlikely that you could be sued for these kinds of incidents. If you are sued, the costs of defending yourself and compensating the injured party can be insurmountable. 

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. Without it, you may have nowhere to turn to protect your assets. If you have liability risks beyond what your home insurance policy can cover, talk to an independent insurance agent about how an umbrella policy can supplement your other coverage and offer extensive protection of your assets if you are sued. 

Burglary Rate in Kingsport, TN

The home burglary rate in Kingsport is higher than both the state and national averages. This may make home insurance more expensive in some Kingsport neighborhoods where property crimes are more prevalent. 

  • 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 Kingsport: 7.05

If you do experience a break-in, your homeowners insurance can help you get back on your feet quickly. It helps you pay for damage to your home, as well as repairing or replacing stolen or damaged possessions. It’s important to take precautions to protect your home from intruders. 

Always keep your home well-lit inside and out, and lock your doors even when you are at home. Consider installing a home security system, too. Not only are burglar alarms the best deterrents for thieves, but having one may also earn you a discount on your homeowners policy. 

Catastrophic Events in Tennessee

Homeowners insurance is designed to reimburse you for damage to your home’s structure as well as your belongings after certain covered events like fires, natural disasters, and break-ins. In Tennessee, the most common types of natural disasters are severe storms and floods. 

  • 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

While major weather events can and do happen in Tennessee, common events like wind, rain, and hail can also cause significant—and expensive—property damage for Kingsport homeowners. Your homeowners insurance policy will help you repair or replace damaged property and get back on your feet quickly. 


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What Is the Average Cost of Homeowners Insurance in Kingsport, TN?

Tennessee is the 22nd most expensive state for home insurance in the US, and the average cost of homeowners coverage in Kingsport is lower than both the state and national averages. And while rates tend to be low citywide, you can still shop around for the best local rates. 

  • National average yearly premium: $1,173
  • Tennessee average yearly premium: $1,149
  • Kingsport average yearly premium: $866

The cost to insure your home will be more or less than the average for your city. That’s because insurance rates are determined according to your exact coverage needs and the unique characteristics and risk factors of your home. The age, size, value, and materials used to build your home help insurance companies determine how much it would cost to replace it if it were severely damaged or destroyed. 

Insurance companies also evaluate the crime rate and weather risks in your city, your claims history, and even your credit score to determine your home insurance premium. 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 in Tennessee

Any type of second home—like a vacation home, cottage, or rental property—needs insurance coverage. Homes that do not serve as a primary residence actually involve some additional risks, and a standard home insurance policy may not be sufficient. 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 Kingsport can help you find the best policies to cover all of your properties. 

Why Work with A Tennessee Independent Insurance Agent?

Independent insurance agents make it fast and easy to find the best policy to cover your Kingsport 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 near you to start comparing customized home insurance quotes from an assortment of highly-rated insurers.

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