Homeowners Insurance in Thompson's Station, TN

Experts break down homeowners insurance costs, coverage, companies, and more in Thompson’s Station, TN.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Back yard with sunroom enclosure on new home. Thompson's Station, Tennessee Homeowners Insurance.

Thompson's Station, TN is located 25 miles south of Nashville. It is a historic community that is also experiencing tremendous growth. Thompson's Station currently has nearly 8,000 residents.

If you own a house in Thompson’s Station, TN, you’ll want to protect it from threats like fire, theft, vandalism, and severe weather. What’s more, you’ll want to protect your assets from the costs of lawsuits if you are sued for something that happens on your property.

Reliable homeowners insurance is the best way to protect your investment.

An independent insurance agent can help you find the best home insurance in Thompson’s Station, TN. Independent agents can help you get quotes from multiple insurance companies to make the best choice for your needs and budget. 

What Is Homeowners Insurance?

Homeowners insurance is a type of personal insurance that protects you from property damage costs. Suppose your home is damaged or destroyed by a fire, storm, tornado, burglary, or another catastrophic event. In that case, your Thompson’s Station, TN homeowners insurance should cover repairing or rebuilding your home and replacing damaged possessions.

Homeowners insurance also provides liability insurance, which protects you if you or a family member injure someone or damages someone’s property. 

What Does Homeowners Insurance Cover in Thompson’s Station, TN?

Home insurance in Thompson’s Station, TN includes the following types of property coverage:

  • Dwelling coverage: Pays to repair and replace your damaged or destroyed home.
  • Contents coverage: Pays for damage to your insured personal property, such as furniture, clothing, artwork, etc.
  • Other structures coverage: Covers any detached structures on your property (e.g., sheds, fences, detached garages).
  • Loss of use coverage: Pays for additional living expenses (hotel bills, food, etc.) if you are forced to live somewhere else while your home is being repaired.

Having sufficient dwelling coverage to repair or rebuild your house and enough contents coverage to repair or replace all of your personal property fully is essential. 

Homeowners insurance in Thompson’s Station, TN includes homeowners liability coverage. It protects you when someone claims you have caused an injury or property damage.

It covers court costs, legal fees, and even financial settlements or judgments levied against you if you are sued.

What Is Not Covered by Homeowners Insurance in Thompson’s Station, TN?

Homeowners insurance in Thompson’s Station, TN covers many problems homeowners can encounter. But every policy also includes a variety of coverage exclusions. 

First, the liability coverage in your homeowners insurance policy has certain limitations. If, for example, you hurt someone because of an intentional act, your liability coverage will not cover you. You can find all the exclusions to your liability coverage in your policy documents.

What’s more, your property coverage will not cover every problem under the sun. Almost all homeowners insurance policies in Thompson’s Station, TN will exclude coverage for property damage caused by the following:

  • Ordinance or law (e.g., demolition or construction required to bring your house up to code)
  • Earth movement (e.g., earthquakes, sinkholes, landslides)
  • Water damage due to floods, sewer backups, and water that seeps through the foundation
  • Power failure
  • Neglect
  • War
  • Nuclear hazard
  • Intentional acts
  • Governmental action (e.g., destruction, confiscation, or seizure of covered property by any governmental or public authority)
  • Loss to property resulting from faulty zoning, bad repair or workmanship, faulty construction materials, and defective maintenance

Flooding can be a significant concern for many homeowners, but homeowners insurance in Thompson’s Station, TN does not cover flood damage. Flooding can be a problem in some areas of Tennessee. It is one of the top five risks for homeowners in the state. 

Thompson’s Station has a moderate flood risk, with 182 properties that have a greater than 26% chance of being severely affected by flooding over the next 30 years.  

You can discuss if you need to purchase flood insurance to supplement your home insurance policy with your insurance agent. If necessary, your agent can help you purchase flood insurance from the National Flood Insurance Program (NFIP), a program established by the federal government to help homeowners buy reliable flood insurance. 

How Much Does Homeowners Insurance Cost in Thompson’s Station, TN?

Tennessee is the 22nd most expensive state for homeowners insurance in the US. Average homeowners insurance premiums in Tennessee are lower than the national average. 

  • National average annual homeowners insurance premium: $1,211
  • Tennessee average annual homeowners insurance premium: $1,196

Actual home insurance rates quoted by your local independent insurance agent will be more or less than average. Home insurance rates are calculated on a case-by-case basis and are based on 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 (e.g., car insurance, life insurance) with the same insurance company (home insurance bundles)

Moreover, every insurance company uses a different formula to calculate its rates, so premiums vary from carrier to carrier. Shopping around to find the policy and insurance company that best fits your needs and budget is important. 


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What Common Disasters and Claims Are Covered by Homeowners Insurance in Thompson’s Station, TN?

Homeowners in Thompson’s Station, TN can experience a variety of disasters and other reasons to file an insurance claim. Tennessee has experienced 76 federally declared disasters since 1953. The top five risks for homeowners in Tennessee are:

  • Severe storms and lightning
  • Flooding and water damage
  • Burglary and other property crimes
  • Fires
  • Tornadoes

Homeowners insurance in Thompson’s Station, TN typically covers all of these, except for flood damage.

If, for example, you experience a break-in, burglary, or other property crime, it's good to know that your home insurance can help you recover from your loss. Burglaries and other property crimes can be a problem for homeowners in some areas of Tennessee compared to the national average. 

  • Number of burglaries per 1,000 people in the US: 3.76
  • Number of burglaries per 1,000 people in Tennessee: 4.89

If you experience a break-in, a reliable homeowners insurance policy can quickly help you get back on your feet. It helps you pay for damage to your home, as well as repairing or replacing stolen or damaged possessions. 

If you live in a high-crime area, always lock your doors, keep your home well-lit, and make your house look occupied even when you aren't home. 

Home security systems are excellent theft deterrents; moreover, many insurance companies offer homeowners insurance discounts to policyholders who have installed burglar alarms in their homes.

Call the police and your insurance company immediately if you discover a break-in. Keep a copy of the police report 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 through the claims process. 

Cheap Homeowners Insurance Near Me

Finding the best rate on home insurance in Thompson’s Station, TN is essential to staying within your budget. But simply buying the cheapest homeowners insurance near you can also lead to problems down the road.

The best way to approach your search for homeowners insurance is to shop around not just for the cheapest policy but also for the policy that offers the best coverage to protect your home and fits your budget.

If you don't have enough homeowners insurance when something goes wrong, the financial consequences could be far more devastating than spending a few extra dollars a year to ensure you have adequate coverage.

Many factors influence the cost of your homeowners insurance, from how claims reimbursements are calculated to whether or not certain types of losses are covered. You can usually offset better coverage by choosing higher deductibles. 

The best strategy is to discuss these issues with your independent insurance agent before deciding which policy offers the best value for your needs and budget.

What Are the Best Homeowners Insurance Companies in Thompson’s Station, TN?

Finding the best homeowners insurance companies in Tennessee can be simple. A local independent insurance agent can help you get home insurance quotes from multiple insurance companies so that you can select the best policy for your needs and budget.

How Can an Independent Insurance Agent Help Me Find the Best Homeowners Insurance in Thompson’s Station, TN?

Instead of getting an online quote, find an independent insurance agent now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice. 

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.

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