Best Tennessee Homeowners Insurance for 2026
State Farm has the best home insurance overall, but Farmers offers some great discounts
Advertising Disclosures
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- State Farm has Tennessee’s best homeowners insurance, thanks to its cheap rates and good coverage options.
- Tennessee home insurance costs an average of $3,757 per year.
- While Tennessee isn’t hurricane- or wildfire-prone, homeowners should make sure they have ample coverage in case of tornado damage.
Best homeowner insurance in Tennessee
State Farm is our overall top pick for home insurance in Tennessee based on its low rates, customer service, and other factors. But other companies offer features that may be important to some Tennessee homeowners, like a range of discounts or specialized coverage add-ons.
Best Overall: State Farm
Average annual rate: $2,180
Why we chose it: With State Farm, you can get the cheapest average home insurance rates in the state, a large selection of coverages and a streamlined digital process combined with human support to help manage your account. State Farm scored above average in customer satisfaction, according to the 2025 U.S. Home Insurance Study by J.D. Power. And as the largest home insurer in the United States, the company also ranks high in financial stability with AM Best.
Who it’s best for: Homeowners who are looking for competitive rates and lots of customer support
PROS
- Lowest average home rates in the state
- Large network of agents and offices
- Rated well for financial stability
CONS
- Doesn’t offer guaranteed replacement cost coverage
- Fewer discounts than some other carriers
-
Slightly higher than average NAIC complaint rating
The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault.
Best for coverage options: Allstate
Average annual rate: $2,678
Why we chose it: Allstate is a trusted name that has the second-lowest rates in TN and a host of special coverages. Homeowners can insure musical instruments, sports equipment, yards and gardens, as well as get coverage for electronic data recovery and business property.
Who it’s best for: Homeowners looking for affordable, expansive coverage. Also great for those with home-based businesses.
PROS
- Lower than average rates for TN
- More unique add-on coverages than other companies in the state
- Several discount options to lower rates further
CONS
- Below-average customer service rating
- A higher percentage of claims denied than other companies
Best for discounts: Farmers
Average annual rate: $3,745
Why we chose it: Farmers’ rates are only about average, but it offers a dozen different discount opportunities that can help bring costs down. These include discounts for green and smart home features, making payments responsibly, and having a new roof. Farmers also offers the option of adding guaranteed replacement cost coverage to your policy. This means Farmers will pay the full cost to rebuild your home, regardless of your policy limit.
Who it’s best for: Tennessee homeowners who want customized policies and can qualify for multiple discounts
PROS
- More discount opportunities than most companies
- Optional coverages include guaranteed replacement cost
- Gets 30% fewer customer complaints than average
CONS
- Fewer coverage options than some other companies
- Only average rates; can get cheaper policies elsewhere
Compare home insurance rates and ratings in Tennessee
| Company | Average annual rate * | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $2,180 | 4/5 | 1.4 | |
| Allstate | $2,678 | 4/5 | 1.2 | |
| Farm Bureau | $2,962 | 3.5/5 | 0.6 | |
| Westfield | $3,273 | 4/5 | 0.5 | |
| Shelter | $3,417 |  4.5/5 | 0.4 | |
| Farmers | $3,745 | 3.5/5 | 0.7 | |
| Auto-Owners | $3,830 | 4/5 | 0.5 | |
| USAA | $2,813 | 4/5 | 0.5 | |
In Tennessee, rates can vary significantly between insurers. Getting quotes from multiple companies and comparing options can help you find better pricing and coverage.
LendingTree analyzed thousands of quotes from top insurers across Tennessee to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Tennessee?
The average cost of home insurance to cover a $400,000 property in Tennessee is $3,757 a year, which comes to $313 per month. That’s well above the national average of $2,628 per year, or $219 per month.
Average home insurance rates by dwelling coverage amount
When shopping for insurance rates, keep in mind that the cost will depend on a number of factors, including the amount of coverage for your dwelling.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $1,866 | $2,180 | $2,592 | $3,074 |
| Westfield | $2,711 | $3,273 | $4,324 | $5,871 |
| Allstate | $2,272 | $2,678 | $3,439 | $4,459 |
| Farmers | $2,716 | $3,745 | $5,384 | $7,552 |
| State average | $3,081 | $3,757 | $4,816 | $6,265 |
Home insurance rates in Tennessee by city
Home insurance rates can vary widely depending on where you live in Tennessee. Factors like risk of extreme weather events, crime rates and the age and safety standards of the homes in the area all impact how insurance companies set their rates.
In Tennessee, the three most expensive policy rates are found in Yorkville, La Grange and Laconia, communities that experience more tornadoes than most other parts of the state. In those areas, the annual average policy rates are over $4,800.
The most affordable policies can be found in Colonial Heights, Kingsport and Spurgeon, which are all located in the northeast corner of the state. Average rates in these communities are just over $2,700. This is likely due in part to the fact that tornadoes are rare in this part of the state.
| City | Average rate |
|---|---|
| Adams | $3,640 |
| Adamsville | $4,369 |
| Afton | $3,031 |
| Alamo | $4,571 |
| Alcoa | $3,054 |
| Alexandria | $3,802 |
| Algood | $3,425 |
| Allardt | $3,747 |
| Allons | $3,744 |
| Allred | $3,526 |
| Alpine | $3,603 |
| Altamont | $4,348 |
| Andersonville | $3,214 |
| Antioch | $3,751 |
| Apison | $3,363 |
| Ardmore | $3,874 |
| Arlington | $4,431 |
| Arnold AFB | $4,162 |
| Arrington | $3,676 |
| Arthur | $3,644 |
| Ashland City | $3,867 |
| Athens | $3,537 |
| Atoka | $4,269 |
| Atwood | $4,438 |
| Auburntown | $3,897 |
| Bakewell | $4,058 |
| Banner Hill | $2,821 |
| Bartlett | $4,320 |
| Bath Springs | $4,429 |
| Baxter | $3,725 |
| Bean Station | $3,091 |
| Beech Bluff | $4,393 |
| Beechgrove | $4,025 |
| Beersheba Springs | $4,164 |
| Belfast | $3,938 |
| Bell Buckle | $3,907 |
| Belle Meade | $3,472 |
| Bells | $4,575 |
| Belvidere | $3,975 |
| Benton | $3,591 |
| Berry Hill | $3,712 |
| Bethel Springs | $4,436 |
| Bethpage | $3,972 |
| Big Rock | $3,893 |
| Big Sandy | $4,437 |
| Birchwood | $3,517 |
| Blaine | $3,208 |
| Bloomingdale | $2,725 |
| Bloomington Springs | $3,706 |
| Blountville | $2,784 |
| Bluff City | $2,772 |
| Bogota | $4,853 |
| Bolivar | $4,504 |
| Bon Aqua | $3,980 |
| Bon Aqua Junction | $3,916 |
| Braden | $4,744 |
| Bradford | $4,511 |
| Bradyville | $4,199 |
| Brentwood | $3,548 |
| Briceville | $3,386 |
| Brighton | $4,358 |
| Bristol | $2,729 |
| Brownsville | $4,650 |
| Bruceton | $4,355 |
| Brunswick | $4,658 |
| Brush Creek | $3,853 |
| Buchanan | $4,299 |
| Buena Vista | $4,391 |
| Buffalo Valley | $3,746 |
| Bulls Gap | $3,209 |
| Bumpus Mills | $3,960 |
| Burlison | $4,345 |
| Burns | $3,738 |
| Butler | $3,054 |
| Bybee | $3,202 |
| Byrdstown | $3,683 |
| Calhoun | $3,702 |
| Camden | $4,317 |
| Campaign | $4,268 |
| Carthage | $3,771 |
| Caryville | $3,387 |
| Castalian Springs | $3,821 |
| Cedar Grove | $4,382 |
| Cedar Hill | $3,833 |
| Celina | $3,832 |
| Centerville | $4,349 |
| Central | $2,797 |
| Chapel Hill | $3,816 |
| Chapmansboro | $3,792 |
| Charleston | $3,474 |
| Charlotte | $3,896 |
| Chattanooga | $3,440 |
| Chestnut Mound | $3,793 |
| Chewalla | $4,580 |
| Christiana | $3,868 |
| Chuckey | $2,964 |
| Church Hill | $2,777 |
| Clairfield | $3,438 |
| Clarkrange | $3,665 |
| Clarksburg | $4,394 |
| Clarksville | $3,651 |
| Cleveland | $3,369 |
| Clifton | $4,379 |
| Clinton | $3,152 |
| Coalfield | $3,406 |
| Coalmont | $4,262 |
| Coker Creek | $4,138 |
| College Grove | $3,759 |
| Collegedale | $3,335 |
| Collierville | $4,384 |
| Collinwood | $4,377 |
| Colonial Heights | $2,680 |
| Columbia | $3,947 |
| Como | $4,634 |
| Conasauga | $4,069 |
| Cookeville | $3,362 |
| Coopertown | $3,589 |
| Copperhill | $3,551 |
| Cordova | $4,251 |
| Cornersville | $4,194 |
| Corryton | $3,107 |
| Cosby | $3,434 |
| Cottage Grove | $4,505 |
| Cottontown | $3,702 |
| Counce | $4,361 |
| Covington | $4,439 |
| Cowan | $4,001 |
| Crab Orchard | $3,870 |
| Crawford | $3,611 |
| Crockett Mills | $4,790 |
| Cross Plains | $3,712 |
| Crossville | $3,480 |
| Crump | $4,428 |
| Culleoka | $4,089 |
| Cumberland City | $3,852 |
| Cumberland Furnace | $3,863 |
| Cumberland Gap | $3,460 |
| Cunningham | $3,812 |
| Cypress Inn | $4,457 |
| Dandridge | $3,119 |
| Darden | $4,480 |
| Dayton | $3,591 |
| Decatur | $3,798 |
| Decaturville | $4,358 |
| Decherd | $3,987 |
| Deer Lodge | $3,800 |
| Del Rio | $3,309 |
| Delano | $3,604 |
| Dellrose | $3,831 |
| Denmark | $4,590 |
| Dickson | $3,768 |
| Dixon Springs | $3,949 |
| Dover | $3,929 |
| Dowelltown | $3,772 |
| Doyle | $3,823 |
| Dresden | $4,461 |
| Drummonds | $4,394 |
| Duck River | $4,123 |
| Ducktown | $4,153 |
| Duff | $3,631 |
| Dukedom | $4,422 |
| Dunlap | $3,849 |
| Dyer | $4,434 |
| Dyersburg | $4,613 |
| Eads | $4,458 |
| Eagan | $4,021 |
| Eagleton Village | $3,060 |
| Eagleville | $3,851 |
| East Cleveland | $3,409 |
| East Ridge | $3,355 |
| Eastview | $4,295 |
| Eaton | $4,723 |
| Eidson | $3,121 |
| Elgin | $4,068 |
| Elizabethton | $2,805 |
| Elkton | $4,451 |
| Ellendale | $4,688 |
| Elmwood | $3,884 |
| Elora | $3,990 |
| Englewood | $3,662 |
| Enville | $4,382 |
| Erin | $3,849 |
| Erwin | $2,833 |
| Estill Springs | $3,832 |
| Ethridge | $4,281 |
| Etowah | $3,608 |
| Eva | $4,331 |
| Evensville | $3,620 |
| Fairfield Glade | $3,212 |
| Fairmount | $3,396 |
| Fairview | $3,633 |
| Fall Branch | $2,831 |
| Falling Water | $3,363 |
| Farner | $3,732 |
| Farragut | $3,007 |
| Fayetteville | $3,801 |
| Fincastle | $3,461 |
| Finger | $4,397 |
| Finley | $4,638 |
| Five Points | $4,143 |
| Flag Pond | $2,978 |
| Flat Top Mountain | $3,411 |
| Flintville | $3,917 |
| Forest Hills | $3,450 |
| Fosterville | $4,209 |
| Frankewing | $3,922 |
| Franklin | $3,510 |
| Friendship | $4,693 |
| Friendsville | $3,114 |
| Fruitvale | $4,752 |
| Gadsden | $4,544 |
| Gainesboro | $3,929 |
| Gallatin | $3,559 |
| Gallaway | $4,744 |
| Gates | $4,651 |
| Gatlinburg | $3,192 |
| Georgetown | $3,417 |
| Germantown | $4,307 |
| Gibson | $4,818 |
| Gladeville | $4,184 |
| Gleason | $4,493 |
| Goodlettsville | $3,654 |
| Goodspring | $4,108 |
| Gordonsville | $3,858 |
| Grand Junction | $4,624 |
| Grandview | $3,830 |
| Granville | $3,942 |
| Gray | $2,743 |
| Graysville | $3,654 |
| Green Hill | $3,491 |
| Greenback | $3,263 |
| Greenbrier | $3,623 |
| Greeneville | $2,996 |
| Greenfield | $4,524 |
| Grimsley | $3,629 |
| Gruetli-Laager | $4,291 |
| Guild | $3,702 |
| Guys | $4,372 |
| Halls | $4,632 |
| Hampshire | $4,300 |
| Hampton | $3,001 |
| Harriman | $3,415 |
| Harrison | $3,384 |
| Harrogate | $3,193 |
| Hartford | $3,407 |
| Hartsville | $3,959 |
| Heiskell | $3,187 |
| Helenwood | $3,836 |
| Henderson | $4,421 |
| Hendersonville | $3,517 |
| Henning | $4,704 |
| Henry | $4,324 |
| Hermitage | $3,806 |
| Hickman | $3,867 |
| Hickory Valley | $4,713 |
| Hilham | $3,693 |
| Hillsboro | $4,029 |
| Hixson | $3,355 |
| Hohenwald | $4,347 |
| Holladay | $4,423 |
| Hollow Rock | $4,390 |
| Hopewell | $3,321 |
| Hornbeak | $4,510 |
| Hornsby | $4,461 |
| Humboldt | $4,498 |
| Hunter | $2,799 |
| Huntingdon | $4,395 |
| Huntland | $3,909 |
| Huntsville | $3,868 |
| Huron | $4,505 |
| Hurricane Mills | $4,257 |
| Idlewild | $4,841 |
| Indian Mound | $3,926 |
| Iron City | $4,412 |
| Jacks Creek | $4,512 |
| Jacksboro | $3,285 |
| Jackson | $4,397 |
| Jamestown | $3,767 |
| Jasper | $3,740 |
| Jefferson City | $3,050 |
| Jellico | $3,585 |
| Joelton | $3,790 |
| Johnson City | $2,741 |
| Jonesborough | $2,771 |
| Kelso | $3,851 |
| Kenton | $4,592 |
| Kimball | $3,770 |
| Kingsport | $2,701 |
| Kingston | $3,344 |
| Kingston Springs | $3,657 |
| Knoxville | $3,055 |
| Kodak | $3,124 |
| Kyles Ford | $3,176 |
| La Follette | $3,495 |
| La Grange | $4,887 |
| La Vergne | $3,888 |
| Laconia | $4,884 |
| Lafayette | $3,900 |
| Lake City | $3,295 |
| Lake Tansi | $3,471 |
| Lakeland | $4,433 |
| Lakesite | $3,389 |
| Lakewood | $3,540 |
| Lakewood Park | $4,047 |
| Lancaster | $3,884 |
| Lancing | $3,845 |
| Lascassas | $3,812 |
| Laurel Bloomery | $3,134 |
| Lavinia | $4,359 |
| Lawrenceburg | $4,222 |
| Lebanon | $3,628 |
| Lenoir City | $3,138 |
| Lenox | $4,793 |
| Leoma | $4,346 |
| Lewisburg | $4,029 |
| Lexington | $4,486 |
| Liberty | $3,833 |
| Limestone | $2,883 |
| Linden | $4,219 |
| Livingston | $3,549 |
| Lobelville | $4,216 |
| Lone Mountain | $3,606 |
| Lone Oak | $3,414 |
| Lookout Mountain | $3,359 |
| Loretto | $4,303 |
| Loudon | $3,164 |
| Louisville | $3,125 |
| Lowland | $3,152 |
| Lupton City | $3,382 |
| Luray | $4,393 |
| Luttrell | $3,184 |
| Lutts | $4,591 |
| Lyles | $3,923 |
| Lynchburg | $3,826 |
| Lynnville | $4,082 |
| Macon | $4,673 |
| Madison | $3,616 |
| Madisonville | $3,553 |
| Manchester | $3,854 |
| Mansfield | $4,310 |
| Martin | $4,310 |
| Maryville | $3,077 |
| Mascot | $3,157 |
| Mason | $4,416 |
| Maury City | $4,769 |
| Maynardville | $3,172 |
| Mc Donald | $3,371 |
| Mc Ewen | $3,992 |
| Mc Lemoresville | $4,711 |
| McKenzie | $4,361 |
| McMinnville | $4,045 |
| Medina | $4,278 |
| Medon | $4,459 |
| Memphis | $4,800 |
| Mercer | $4,475 |
| Michie | $4,389 |
| Middle Valley | $3,354 |
| Middleton | $4,581 |
| Midtown | $3,427 |
| Midway | $3,152 |
| Milan | $4,387 |
| Milledgeville | $4,422 |
| Millersville | $3,619 |
| Milligan College | $3,405 |
| Millington | $4,477 |
| Milton | $3,848 |
| Minor Hill | $4,190 |
| Mitchellville | $4,144 |
| Mohawk | $3,170 |
| Monroe | $3,564 |
| Monteagle | $4,018 |
| Monterey | $3,548 |
| Mooresburg | $3,066 |
| Morris Chapel | $4,488 |
| Morrison | $4,053 |
| Morristown | $3,025 |
| Moscow | $4,520 |
| Mosheim | $3,037 |
| Moss | $3,845 |
| Mount Carmel | $2,724 |
| Mount Juliet | $3,542 |
| Mount Pleasant | $4,121 |
| Mountain City | $3,034 |
| Mountain Home | $3,500 |
| Mowbray Mountain | $3,389 |
| Mulberry | $3,827 |
| Munford | $4,262 |
| Murfreesboro | $3,730 |
| Nashville | $3,620 |
| New Hope | $3,926 |
| New Johnsonville | $4,100 |
| New Market | $3,240 |
| New Tazewell | $3,223 |
| Newbern | $4,615 |
| Newcomb | $3,633 |
| Newport | $3,260 |
| Niota | $3,759 |
| Nolensville | $3,470 |
| Norene | $4,053 |
| Normandy | $3,858 |
| Norris | $3,726 |
| Nunnelly | $3,963 |
| Oak Grove | $2,746 |
| Oak Hill | $3,519 |
| Oak Ridge | $3,074 |
| Oakdale | $3,764 |
| Oakfield | $4,334 |
| Oakland | $4,319 |
| Obion | $4,606 |
| Ocoee | $3,588 |
| Old Fort | $3,486 |
| Old Hickory | $3,523 |
| Olivehill | $4,381 |
| Oliver Springs | $3,360 |
| Oneida | $3,835 |
| Only | $4,067 |
| Ooltewah | $3,330 |
| Orlinda | $3,924 |
| Pall Mall | $3,826 |
| Palmer | $4,231 |
| Palmersville | $4,437 |
| Palmyra | $3,669 |
| Paris | $4,175 |
| Park City | $3,761 |
| Parrottsville | $3,255 |
| Parsons | $4,213 |
| Pegram | $3,709 |
| Pelham | $3,988 |
| Petersburg | $3,844 |
| Petros | $3,851 |
| Philadelphia | $3,357 |
| Pickwick Dam | $4,639 |
| Pigeon Forge | $3,134 |
| Pikeville | $3,874 |
| Pine Crest | $2,787 |
| Piney Flats | $2,743 |
| Pinson | $4,418 |
| Pioneer | $3,693 |
| Piperton | $4,331 |
| Plainview | $3,177 |
| Pleasant Hill | $3,585 |
| Pleasant Shade | $4,085 |
| Pleasant View | $3,683 |
| Pocahontas | $4,500 |
| Portland | $3,719 |
| Powder Springs | $3,240 |
| Powell | $3,043 |
| Powells Crossroads | $3,824 |
| Primm Springs | $4,009 |
| Prospect | $4,097 |
| Pruden | $4,088 |
| Pulaski | $4,026 |
| Puryear | $4,341 |
| Quebeck | $3,781 |
| Ramer | $4,457 |
| Readyville | $3,936 |
| Reagan | $4,508 |
| Red Bank | $3,341 |
| Red Boiling Springs | $4,043 |
| Reliance | $3,660 |
| Riceville | $3,660 |
| Rickman | $3,507 |
| Riddleton | $3,957 |
| Ridgely | $4,683 |
| Ridgeside | $3,489 |
| Ridgetop | $3,624 |
| Ripley | $4,580 |
| Rives | $4,614 |
| Roan Mountain | $3,066 |
| Robbins | $3,866 |
| Rock Island | $3,945 |
| Rockford | $3,131 |
| Rockvale | $3,820 |
| Rockwood | $3,631 |
| Rocky Top | $3,323 |
| Rogersville | $2,986 |
| Rossville | $4,354 |
| Rugby | $3,936 |
| Rural Hill | $3,544 |
| Russellville | $3,036 |
| Rutherford | $4,552 |
| Rutledge | $3,262 |
| Sale Creek | $3,527 |
| Saltillo | $4,495 |
| Samburg | $4,718 |
| Santa Fe | $4,071 |
| Sardis | $4,574 |
| Saulsbury | $4,459 |
| Savannah | $4,500 |
| Scotts Hill | $4,442 |
| Selmer | $4,304 |
| Sequatchie | $3,973 |
| Sevierville | $3,140 |
| Sewanee | $4,091 |
| Seymour | $3,081 |
| Shady Valley | $3,045 |
| Sharon | $4,514 |
| Sharps Chapel | $3,411 |
| Shawanee | $3,875 |
| Shelbyville | $3,997 |
| Sherwood | $4,052 |
| Shiloh | $4,358 |
| Signal Mountain | $3,380 |
| Silerton | $4,707 |
| Silver Point | $3,827 |
| Slayden | $4,288 |
| Smartt | $4,103 |
| Smithville | $3,799 |
| Smyrna | $3,590 |
| Sneedville | $3,166 |
| Soddy-Daisy | $3,374 |
| Somerville | $4,562 |
| South Cleveland | $3,386 |
| South Fulton | $4,297 |
| South Pittsburg | $3,962 |
| Southside | $3,704 |
| Sparta | $3,664 |
| Speedwell | $3,506 |
| Spencer | $3,949 |
| Spring City | $3,642 |
| Spring Creek | $4,763 |
| Spring Hill | $3,543 |
| Springfield | $3,604 |
| Springville | $4,216 |
| Spurgeon | $2,711 |
| St. Joseph | $4,324 |
| Stanton | $4,796 |
| Stantonville | $4,486 |
| Stewart | $3,918 |
| Strawberry Plains | $3,129 |
| Sugar Tree | $4,474 |
| Summertown | $4,359 |
| Summitville | $4,212 |
| Sunbright | $3,799 |
| Surgoinsville | $2,959 |
| Sweetwater | $3,548 |
| Taft | $3,899 |
| Talbott | $3,004 |
| Tallassee | $3,269 |
| Tazewell | $3,202 |
| Telford | $2,855 |
| Tellico Plains | $3,537 |
| Tellico Village | $3,150 |
| Ten Mile | $3,714 |
| Tennessee Ridge | $3,882 |
| Thompson’s Station | $3,580 |
| Thompsons Station | $3,569 |
| Thorn Hill | $3,314 |
| Tigrett | $4,816 |
| Tipton | $4,669 |
| Tiptonville | $4,608 |
| Toone | $4,489 |
| Townsend | $3,176 |
| Tracy City | $4,228 |
| Trade | $3,078 |
| Trenton | $4,494 |
| Trezevant | $4,433 |
| Trimble | $4,438 |
| Troy | $4,433 |
| Tullahoma | $3,764 |
| Turtletown | $3,733 |
| Tusculum | $2,939 |
| Unicoi | $2,833 |
| Union City | $4,343 |
| Unionville | $3,929 |
| Vanleer | $3,820 |
| Viola | $4,210 |
| Vonore | $3,350 |
| Walden | $3,385 |
| Walland | $3,191 |
| Walling | $3,738 |
| Walnut Hill | $2,722 |
| Wartburg | $3,536 |
| Wartrace | $3,884 |
| Washburn | $3,268 |
| Watauga | $2,854 |
| Watertown | $3,667 |
| Waverly | $3,998 |
| Waynesboro | $4,307 |
| Westmoreland | $3,921 |
| Westpoint | $4,432 |
| Westport | $4,456 |
| White Bluff | $3,755 |
| White House | $3,498 |
| White Pine | $3,098 |
| Whites Creek | $3,721 |
| Whitesburg | $3,158 |
| Whiteside | $3,620 |
| Whiteville | $4,519 |
| Whitleyville | $4,064 |
| Whitwell | $3,841 |
| Wilder | $3,514 |
| Wildersville | $4,506 |
| Wildwood | $3,079 |
| Wildwood Lake | $3,396 |
| Williamsport | $4,117 |
| Williston | $4,522 |
| Winchester | $3,756 |
| Winfield | $3,824 |
| Woodbury | $3,871 |
| Woodland Mills | $4,349 |
| Woodlawn | $3,616 |
| Wynnburg | $4,859 |
| Yorkville | $4,897 |
| Yuma | $4,440 |
Current state of homeowners insurance in Tennessee
Tennessee is generally less prone to flooding and hurricanes like its coastal neighbors, so residents will not likely need to add flood coverage on top of their regular home insurance policy. However, Tennessee does have extreme weather events, including tornadoes, which have averaged 31 per year over the last 10 years. That’s why it’s especially important to ensure that you have adequate coverage for possible damage these could cause.
Unpredictable weather may also be a contributing factor as to why Tennessee’s average cost of annual insurance is $3,757. That’s higher than the national average and more than the average cost among its regional neighbors in the south, including Florida ($3,046), Kentucky ($3,495) and Alabama ($3,614).
As far as trends in cost, Tennessee home insurance rates have seen about a 43% increase from 2019 to 2025. While lower than the 48% increase that was seen nationally over the same time period, it’s still significant.
The average age of homes in Tennessee is 44 years old. It’s always a good idea to keep home age in mind when shopping for coverage levels and add-ons, since older infrastructure tends to cost more to insure.
How to compare homeowners insurance in Tennessee
When comparing options, don’t just look at rates. Also consider:
- Coverage limits: Make sure your home is fully covered
- Deductibles: Higher deductibles can lower premiums
- Exclusions: Check what isn’t covered (make sure wind/tornado damage is not excluded)
- Add-ons: Consider extra coverage for high-value items
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, Tennessee does not require homeowners to carry a home insurance policy. However, mortgage lenders almost always make home insurance a requirement for the loan. Even if you own your home outright, getting home insurance is highly recommended. Otherwise, going without coverage will leave you on the hook for the cost of repairs or rebuilding after a fire, storm, or other loss.
Tennessee does not have a FAIR plan, a state program that offers insurance coverage for people who are not eligible for a private policy. Such plans are more common in states that have a high likelihood of massive hurricanes, wildfires, or other natural disasters. Tennessee instead relies on private insurance companies to handle high-risk properties.
If you live in a tornado-prone area like Tennessee, you don’t have to worry about getting special home insurance. Tornadoes generally fall into the category of windstorm damage, which is covered by most insurance policies. Be sure to check if there is a separate deductible for wind-related claims or if there is a wind exclusion, though, which could impact future claims.
Methodology
How we chose the best homeowners insurance in Tennessee
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Tennessee ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.