Reviews Report
- Auto-Owners is Reviews.com’s top pick for best home insurance in Tennessee, earning 4.8 out of 5.
- Erie has the cheapest home insurance in Tennessee with $1,305 average premiums.
- USAA is the best home insurance provider for Tennessee military members.
Homeowners insurance in Tennessee isn’t a legal requirement, but it’s a smart investment to protect a home and its contents nonetheless. Tennessee homeowners have plenty of options when it comes to home insurance, so we did some research to find the best homeowners insurance companies in Tennessee based on average rate, coverage options, discounts, third-party ratings, and customer service. The top companies we recommend are Auto-Owners, USAA, Erie, Grange, Farmers, and Travelers.
Reviews.com used Quadrant data to map the average home insurance premium, and a unique in-house methodology to compare discounts, coverage, and third-party evaluations to rank and review the best home insurance in Tennessee. Compare quotes from carriers that provide home insurance in Tennessee to make sure you get the best homeowners insurance rates available.
The 6 Best Homeowners Insurance Companies in Tennessee
- Auto-Owners: Best Overall Tennessee Home Insurance
- USAA: Best Tennessee Home Insurance for Military Members
- Erie: Best Tennessee Home Insurance for Affordable Coverage
- Grange: Best Tennessee Home Insurance for Customer Service
- Farmers: Best Tennessee Home Insurance for Discounts
- Travelers: Best Tennessee Home Insurance for Green Homes
Compare the Best Home Insurance Companies in Tennessee
| Average Annual Premiums* | Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Auto-Owners | $1,531.11 | 4.8 | A++ | 843 | |
| Pin USAA | $1,603.60 | 3.8 | A++ | 889 | |
| Pin Erie | $1,305.36 | 4.8 | A+ | 839 | |
| Pin Grange | $2,165.49 | 3.75 | A | N/A | |
| Pin Farmers | $1,580.82 | 3.8 | A | 814 | |
| Pin Travelers | $2,387.81 | 3.2 | A++ | 803 |
Information accurate as of July 2021
* Data provided by Coverage.com
**J.D. Power 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.
Best Overall
why we chose it
Why we chose it
Pros
- A dozen possible discounts
- Low customer complaint and high customer satisfaction ratings
- Excellent financial strength
Cons
- No online or mobile claims
- No online quotes available
- Not available in every state
Add-on Coverage
- Guaranteed home replacement cost
- Water backup/sump pump
- Ordinance or law coverage
- Extended personal property
- Identity theft
- Equipment breakdown
- Homeowners Plus Package
Discounts Available
- Multi-policy
- Life multi-policy
- Pay in full
- Payment history
- Green discount
- Advance quote
- Protective devices
- Water shutoff system
- Backup generator
- Mortgage-free
- Claim-free
More Auto-Owners Insurance Reviews
Best for Military Members
why we chose it
Why we chose it
Pros
- Strong financial and customer satisfaction ratings
- Mobile claim filing and tracking
- Low customer complaint ratings
Cons
- Limited discounts
- Only available to military personnel
- Few additional coverage options advertised
Add-on Coverage
- Earthquake insurance
- Home Sharing insurance
Discounts Available
- Claim-free
- Home security system
- Multi-policy
More USAA Insurance Reviews
Cheapest Tennessee Home Insurance
why we chose it
Why we chose it
Pros
- Affordable coverage
- Guaranteed replacement cost comes standard
- 24/7 customer service
Cons
- Few discounts
- Limited additional coverages
- Not available in every state
Add-on Coverage
- Water backup/sump pump coverage
- Identity theft coverage
- Service line coverage
Discounts Available
- Protective devices
- Policy bundling
- Advanced quote
More Erie Insurance Reviews
Best for Customer Service
why we chose it
Why we chose it
Pros
- Unique add-ons for customized coverage
- Variety of discounts available
Cons
- Can’t get a quote online
- Only available in 13 states
- Policies can be expensive
Add-on Coverage
- Service line coverage
- Home cyber protection
- Water backup/sump pump
- Dwelling replacement cost
- Valuable items
- Identity theft
- Equipment breakdown
- Assisted living
Discounts Available
- Multi-policy
- Advance quote
- Pay in full
- DIY home inspection
- Home maintenance
- Smart fire alarm
- Claim-free
Best for Discounts
why we chose it
Why we chose it
Pros
- Wide variety of discounts
- Tiered coverage system
- Lower premiums than some competitors
Cons
- Poor customer satisfaction rating
- Lower financial strength rating than some competitors
- Replacement cost coverage isn’t standard
Add-on Coverage
- Personal possessions
- Eco rebuild
- Contents replacement cost
- Identity theft
Discounts Available
- Multi-policy
- Claim-free
- Protective device
- Home safety features
- Non smoker
- Affinity group/occupation
- Paperless statements
- UL-approved roofing materials
- New home
- Green certifications
- Connected home
- AutoPay
- Responsible payer
- Rent to own
More Farmers Insurance Reviews
Best for Green Homes
why we chose it
Why we chose it
Pros
- Special coverage for sustainable homes
- Variety of additional coverages
- Handful of discounts for policy savings
Cons
- More expensive than competitors
- Below-average customer satisfaction rating
- Limited online tools and resources
Add-on Coverage
- Special personal property coverage
- Contents replacement cost coverage
- Additional replacement cost coverage
- Jewelry and valuables coverage
- Personal articles floater
- Water backup/sump pump coverage
- Identity fraud coverage
- Green home coverage
Discounts Available
- Multi-policy
- Home buyer
- Loss-free
- Protective device
- Green home
- Affinity group
More Travelers Insurance Reviews
Average Cost of Homeowners Insurance in Tennessee
The average home insurance cost in Tennessee is $1,232 per year, which is on par with the United States national average rate of $1,249. However, homeowners in neighboring states also pay a similar rate for home insurance, including Kentucky ($1,152) and South Carolina ($1,284).
Home insurance in Tennessee is pretty affordable in part because the state doesn’t face many severe weather risks. The biggest weather threats in Tennessee are tornadoes and flooding. Furthermore, hurricanes and tropical storms typically don’t reach Tennessee, which can cause the price of insurance to increase.
The Cheapest Homeowner Insurance Companies in Tennessee
| Homeowners Insurance Companies | Average Annual Premium |
| Erie Insurance | $971 |
| Allstate | $1,053 |
| USAA | $1,098 |
| Auto-Owners Insurance | $1,123 |
| Shelter Mutual Insurance Company | $1,392 |
| Foremost Insurance | $1,469 |
| Tennessee Farmers Mutual Insurance Company | $1,517 |
| State Farm | $1,805 |
| Celina Mutual Insurance Company | $2,107 |
| Average Cost Across Insurance Companies | $1,392 |
Average Homeowner Insurance Costs by Age of Home in Tennessee
| Age of Home (years) | Sample Annual Premium |
| 5 | $1,392 |
| 20 | $1,857 |
| 35 | $1,889 |
| 50 | $1,890 |
| Average Across Age of Home Tiers | $1,757 |
Top 3 Cheapest Homeowners Insurance Companies in Tennessee
- Erie Insurance: $971
- Allstate: $1,053
- USAA: $1,098
Top 3 Most Expensive Homeowners Insurance Companies in Tennessee
- Celina Mutual Insurance Company: $2,107
- State Farm: $1,805
- Tennessee Farmers Mutual Insurance Company: $1,517
Common Home Insurance Perils in Tennessee
Tennessee isn’t known for extreme weather, but there are some perils that Tennessee homeowners should be aware of. It’s important to understand these risks because it may determine what type and how much home insurance is needed.
One of the biggest threats to homes in Tennessee is tornadoes. Between 2010 and 2019, the number of tornadoes that touched down in Tennessee increased 36% compared to the decade prior. In 2020 alone, there were 35 tornadoes recorded in the state.
Another peril that Tennessee homeowners should be aware of is flooding. Heavy rains can cause rivers to overflow and ultimately lead to flash flooding that can be destructive. Flooding can occur in any region of the state.
Add-on home insurance coverage in Tennessee
Homeowners insurance in Tennessee is comprehensive, and it covers many of the most common perils that homeowners can face. However, every policy is different. You can look at your policy’s declaration page to see what is and isn’t covered.
However, there are some additional coverages that Tenneesssee homeowners should consider. One of the most valuable coverages is flood insurance because basic home insurance policies don’t cover water damage or flooding. You can purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP).
Other popular endorsements are water backup/sump pump coverage, valuable items coverage (also called scheduled personal property coverage), and replacement cost coverage. All of the providers we reviewed offer these endorsements for an added fee.
If you still need help deciding what type of coverage is right for you, or have questions about buying home insurance in Tennessee, we recommend checking out these state resources:
Tennessee Home Insurance FAQ
Methodology
We evaluated Tennessee home insurance companies based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:
- Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
- Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowner’s insurance company’s complaint rating.
- Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
About the Authors
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
