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The Best Homeowners Insurance Companies in Tennessee

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    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$1,531.114.8A++843
    Pin USAA$1,603.603.8A++889
    Pin Erie$1,305.364.8A+839
    Pin Grange$2,165.493.75AN/A
    Pin Farmers$1,580.823.8A814
    Pin Travelers$2,387.813.2A++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.

    Auto-Owners

    Best Overall

    why we chose it

    Auto-Owners home insurance is Reviews.com’s top pick for best Tennessee home insurance company of 2021. The company offers a bevy of discounts, multiple add-on coverages, and above-average customer service.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,531.11* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 843** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Auto-Owners home insurance is Reviews.com’s top pick for best Tennessee home insurance company of 2021. The company offers a bevy of discounts, multiple add-on coverages, and above-average customer service.

    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
    Read More

    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

    USAA

    Best for Military Members

    why we chose it

    USAA exclusively sells home insurance to Tennessee residents who are active duty or retired military members. The company is known for its low rates and excellent customer service.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,603.60* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 889** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA exclusively sells home insurance to Tennessee residents who are active duty or retired military members. The company is known for its low rates and excellent customer service.

    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
    Read More

    Add-on Coverage

    • Earthquake insurance
    • Home Sharing insurance

    Discounts Available

    • Claim-free
    • Home security system
    • Multi-policy

    More USAA Insurance Reviews

    ERIE Insurance

    Cheapest Tennessee Home Insurance

    why we chose it

    Tennessee homeowners who are looking for affordable coverage should consider Erie. The average annual premium is $1,305 per year, which is the cheapest provider on our list of the best Tennessee home insurance providers.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,305.36* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 839** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Tennessee homeowners who are looking for affordable coverage should consider Erie. The average annual premium is $1,305 per year, which is the cheapest provider on our list of the best Tennessee home insurance providers.

    Pros

    • Affordable coverage
    • Guaranteed replacement cost comes standard
    • 24/7 customer service

    Cons

    • Few discounts
    • Limited additional coverages
    • Not available in every state
    Read More

    Add-on Coverage

    • Water backup/sump pump coverage
    • Identity theft coverage
    • Service line coverage

    Discounts Available

    More Erie Insurance Reviews

    Auto-Owners

    Best for Customer Service

    why we chose it

    Grange sells home insurance in Tennessee through a large network of independent agents. If you are looking for a company with great customer service and prefer to work with an agent, Grange is the provider for you.
    • 3.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,165.49 Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate 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.
    • N/A** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Grange sells home insurance in Tennessee through a large network of independent agents. If you are looking for a company with great customer service and prefer to work with an agent, Grange is the provider for you.

    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
    Read More

    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
    Farmers

    Best for Discounts

    why we chose it

    Farmers is our top recommendation for Tennessee homeowners who want to save money by taking advantage of discounts. There are 14 discounts available, and most homeowners will qualify for at least one.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,580.82* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate 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.
    • 814** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers is our top recommendation for Tennessee homeowners who want to save money by taking advantage of discounts. There are 14 discounts available, and most homeowners will qualify for at least one.

    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
    Read More

    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

    Travelers

    Best for Green Homes

    why we chose it

    Tennessee homeowners who live in a green home that is built with sustainable materials should consider Travelers, which offers special coverages and discounts for LEED-certified or eco-friendly homes.
    • 3.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,387.81* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 803** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Tennessee homeowners who live in a green home that is built with sustainable materials should consider Travelers, which offers special coverages and discounts for LEED-certified or eco-friendly homes.

    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
    Read More

    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 CompaniesAverage 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

    Elizabeth Rivelli Contributing Writer

    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.

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