Homeowners insurance tennessee average

AffiliatePal is reader-supported. When you buy through links on our site, we may earn an affiliate commission.



When it comes to protecting your home and belongings, homeowners insurance is an essential investment. In Tennessee, the average cost of homeowners insurance can vary depending on several factors such as location, property value, and coverage options. In this article, we will delve into the average homeowners insurance rates in Tennessee and explore the factors that influence these rates.

Factors Affecting Homeowners Insurance Rates in Tennessee

Several factors contribute to the variation in homeowners insurance rates in Tennessee. These factors include:

Location: The location of your home plays a significant role in determining your insurance rates. Areas prone to natural disasters, such as tornadoes or floods, may have higher insurance premiums due to the increased risk of property damage.

Property Value: The value of your home is another crucial factor. Higher-valued properties typically require more coverage, leading to higher insurance premiums.

Construction Materials: The materials used in the construction of your home can impact your insurance rates. Homes built with sturdy and fire-resistant materials may have lower premiums compared to those constructed with materials that are more susceptible to damage.

Home Security: The security measures you have in place, such as burglar alarms, smoke detectors, and security systems, can also influence your insurance rates. Homes with robust security systems are generally considered less risky and may qualify for discounts.

Claims History: Your claims history can affect your insurance rates. If you have a history of filing multiple claims, insurance providers may consider you a higher risk and charge higher premiums.

Average Homeowners Insurance Rates in Tennessee

According to the National Association of Insurance Commissioners (NAIC), the average annual homeowners insurance premium in Tennessee is around $1,200. However, it’s important to note that this is just an average, and individual rates can vary significantly based on the factors mentioned earlier.

Tennessee is prone to severe weather events, including tornadoes and hailstorms, which can impact insurance rates. Areas in the state that are more susceptible to these weather events may have higher premiums compared to areas with lower risk.

It’s also worth mentioning that homeowners insurance rates can vary between insurance providers. It’s advisable to obtain quotes from multiple insurers to compare rates and coverage options before making a decision.


Homeowners insurance rates in Tennessee are influenced by various factors, including location, property value, construction materials, home security, and claims history. The average annual premium in the state is approximately $1,200, but individual rates can vary significantly based on these factors. It’s important to consider these factors and obtain quotes from multiple insurance providers to ensure you get the best coverage at a competitive price.


– NAIC: www.naic.org