The 4 Best Tennessee Homeowners Insurance Companies

The Tennessee homeowners insurance market is dominated by national insurers. They all offer great discounts, especially for multiple lines of business. With the average premium at around $963.00, a key strategy for purchasing the best home insurance in Tennessee is to assess all of your insurance needs at the same time to see where you can get the most discounts across the board.

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Allstate

Allstate offers a wide variety of coverage options, which vary by state. For Tennessee homeowners insurance, Allstate offers great discounts and strong educational tools. Articles and tip sheets have great information on coverage and ways to save money. They are especially helpful to first-time home buyers. The Premium Gauge tool shows how different variables such as deductible affect your premium. They have coverage options for all types of dwellings, such as condos and manufactured homes. Extra coverage options are available for identity theft and water backup. Finally, the Allstate Digital Locker is a quick and easy way to inventory all your personal property and store the information securely. Allstate is consistently rated high for financial strength.

State Farm

State Farm has a wide variety of coverage options for different dwelling types. For instance, they provide homeowners insurance in Tennessee for farms and ranches in addition to homes and condos. State Farm maintains a solid financial rating, while offering good discounts. Multiple-policy, claim-free history, and home security discounts are some of those available. One impressive feature is their Premier Services Program. This service connects you with vetted local contractors to get bids for work when rebuilding after a loss. State Farm also ranks high in claims management tools. They provide an online inventory tool, and give multiple options for filing a claim including by phone 24/7, online, and through a local agent.

Tennessee Farmers Mutual

The Tennessee Farm Bureau Federation has a membership of more than 600,000 family members and is the largest state Farm Bureau in the nation. Tennessee Farmers Mutual provides insurance products to Bureau members. Their Tennessee homeowners insurance provides a broad range of property and liability coverage. There are savings opportunities for bundling home coverage with auto coverage, but the best place to start is by talking to one of the many local agents across the state. Tennessee Farmers Mutual enjoys one of the top financial strength rating in the industry, A+, from A.M. Best.

Travelers

Travelers has great coverage offerings and plenty of discounts with lots of add-ons, so it is easy to get the perfect policy. Like most Tennessee homeowners insurance companies, Travelers offers discounts for purchasing multiple lines of insurance. A rather unique discount the company offers is for environmentally friendly homes. Standard coverage includes damage by fire, lightning, and water, but Travelers also provides coverage options for earthquakes, floods, and landslides, which can occur in the state. Full coverage for jewelry and computer equipment is available as well. This is an option generally not available from other insurers. Travelers, however, does limit the types of dwellings for which they provide coverage, and does not offer coverage on mobile homes.

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