{"id":325167,"date":"2025-11-10T17:49:11","date_gmt":"2025-11-10T22:49:11","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96327"},"modified":"2025-11-12T13:57:36","modified_gmt":"2025-11-12T18:57:36","slug":"best-in-tennessee","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-tennessee\/","title":{"rendered":"The Best Home Insurance Companies in Tennessee for 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"report\" title=\"Reviews Report\"><\/span>\n    \n\n\n<p>Homeowners insurance in Tennessee is not required by the state, but it\u2019s likely required if you have a mortgage. Even if your home is owned outright, homeowners insurance can protect your household finances by helping repair or replace the dwelling and its contents after covered losses. Reviews.com refreshed this guide using current statewide premium benchmarks and market conditions. We evaluated coverage options and discounts, third\u2011party financial strength insights from <a href=\"https:\/\/ratings.ambest.com\/\" rel=\"noopener\" target=\"_blank\">AM Best<\/a>, and the latest service context from the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power U.S. Home Insurance Study<\/a>. Based on this review and multiple 2024\u20132025 Tennessee roundups, strong picks to start quotes include Auto-Owners, USAA (for eligible members), Erie, and Farmers.&nbsp;<\/p>\n\n\n\n<p>Our analysis incorporates recent Tennessee rate research from <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a> and corroborating statewide averages from <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NerdWallet<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/tennessee\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Policygenius<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">ValuePenguin<\/a>. These sources show Tennessee\u2019s average homeowners premium now generally lands in the mid\u2013$2,000s per year for a standard HO\u20113 profile (commonly $250,000\u2013$300,000 dwelling, $300,000 liability, $1,000 deductible). Recent increases reflect elevated insurance inflation tracked by the <a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEHD\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">BLS household insurance CPI<\/a> and a high pace of severe weather losses documented by <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NOAA<\/a>. We used this framework to identify which carriers may be a fit for coverage, budget, and service expectations in Tennessee.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"The 4 Best Homeowners Insurance Companies in Tennessee\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Tennessee<\/h2>\n\n\n\n<ul>\n<li><a href=\"#best1\" rel=\"nofollow\" class=\"achor-toggles\">Auto-Owners<\/a>: Best Overall<\/li>\n\n\n\n<li><a style=\"font-size: 1.125rem; background-color: rgb(254, 254, 254);\" href=\"#best2\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a><span style=\"font-size: 1.125rem;\">: <\/span>Best for Military-Focused Coverage<\/li>\n\n\n\n<li><a href=\"#best3\" rel=\"nofollow\" class=\"achor-toggles\">Erie<\/a>: Cheapest Rates<\/li>\n\n\n\n<li><a href=\"#best4\" rel=\"nofollow\" class=\"achor-toggles\">Farmers<\/a>: Best for Discounts<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_60da04cc6e61c\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Tennessee Homeowners Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premiums*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" rel=\"noopener\" target=\"_blank\">2024 J.D. Power U.S. Home Insurance Study<\/a>\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60da04cc6e61c-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,200\u2013$2,800 (TN avg range)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td><a href=\"https:\/\/www.auto-owners.com\/about\/who-we-are#:~:text=The%20company%20is%20represented%20by,also%20a%20Fortune%20500%20company.\" rel=\"noopener\" target=\"_blank\">A++ (Superior)<\/a><\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2024 study<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60da04cc6e61c-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,200\u2013$2,800 (TN avg range)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td><a href=\"https:\/\/www.usaa.com\/inet\/wc\/newsroom_factsheets_life#:~:text=USAA%20Life%20Insurance%20Company's%20ratings,rating%20of%2021%20possible%20ratings).\" rel=\"noopener\" target=\"_blank\">A++ (Superior)<\/a><\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2024 study**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60da04cc6e61c-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,200\u2013$2,800 (TN avg range)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td><a href=\"https:\/\/www.erieinsurance.com\/awards#:~:text=Erie%20Insurance%20Group%20has%20earned,rating%20of%20A%2B%20(Superior).\" rel=\"noopener\" target=\"_blank\">A+ (Superior)<\/a><\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2024 study<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60da04cc6e61c-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Farmers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,200\u2013$2,800 (TN avg range)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td><a href=\"https:\/\/ratings.ambest.com\/companyprofile.aspx?ambnum=2395&#038;URatingId=-1&#038;bl=64&#038;AltSrc=3&#038;PPP=&#038;AltNum=14232395&#038;Ext_User=66.249.70.4&#038;Ext_Misc=CompanyProfile:&#038;Portal=0\" rel=\"noopener\" target=\"_blank\">A (Excellent)<\/a><\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2024 study<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>*Modeled statewide averages for Tennessee now typically range from about $2,200\u2013$2,800 per year for a standard HO\u20113 profile (often $250,000\u2013$300,000 dwelling, $300,000 liability, $1,000 deductible); see <a href=\"https:\/\/www.bankrate.com\" rel=\"noopener\" target=\"_blank\">Bankrate\u2019s current Tennessee analysis<\/a>.<\/em><\/p>\n\n\n\n<p><em>**USAA not officially ranked by J.D. Power due to eligibility restrictions<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best Overall\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners<\/h2>\n\n\n\n<p>Auto-Owners remains a strong Tennessee pick for service-minded shoppers who want robust coverage choices with an agent\u2019s guidance. The company offers extended replacement cost options for the dwelling and endorsements like equipment breakdown and identity theft, along with common savings such as multi\u2011policy and claims\u2011free credits. In a market where statewide averages are in the mid\u2013$2,000s, the ability to tailor wind\/hail deductibles and add needed endorsements can materially affect your total cost and claim experience. Recent industry research shows overall homeowner satisfaction has been pressured by inflation and storm activity, so reviewing local agency support alongside price is prudent (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2024<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Overall<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners earns our overall nod for its broad coverage menu, strong agent network, variety of discounts, and reputation for claims service \u2014 important differentiators as Tennessee premiums trend in the mid\u2013$2,000s and weather losses remain elevated.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,200\u2013$2,800 (TN avg range; varies by profile)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2024 study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners earns our overall nod for its broad coverage menu, strong agent network, variety of discounts, and reputation for claims service \u2014 important differentiators as Tennessee premiums trend in the mid\u2013$2,000s and weather losses remain elevated.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide menu of coverage and endorsements<\/li>\n                            <li>Strong financial footing (verify at <a href=\"https:\/\/ratings.ambest.com\/\" target=\"_blank\" rel=\"noopener\">AM Best rating center<\/a>)<\/li>\n                            <li>Agent support for coverage tailoring<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quote option<\/li>\n                                        <li>Claims typically initiated via agent\/phone<\/li>\n                                        <li>Availability varies by area<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advance quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed home replacement cost\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extended personal property\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment breakdown<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Auto-Owners Insurance Review<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\"><span style=\"font-weight: 400;\">Auto-Owners home insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\"><span style=\"font-weight: 400;\">Auto-Owners car insurance review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n\n<p>USAA offers homeowners coverage tailored to military members, veterans, and their eligible families, with consistently strong service reputation and robust digital claims tools. While USAA is not officially ranked in J.D. Power due to eligibility restrictions, it typically performs well in customer studies. In Tennessee\u2019s current pricing environment (mid\u2013$2,000s average for a standard profile), eligible households should include USAA in their quote set for potential bundle value and coverage breadth (<a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2024<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA serves the military community with strong coverage, digital claims support, and competitive bundling. It is frequently recommended in Tennessee best-of lists for eligible households.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,200\u2013$2,800 (TN avg range; varies by profile)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2024 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA serves the military community with strong coverage, digital claims support, and competitive bundling. It is frequently recommended in Tennessee best-of lists for eligible households.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong service reputation for eligible members<\/li>\n                            <li>Superior financial strength (confirm at <a href=\"https:\/\/ratings.ambest.com\/\" target=\"_blank\" rel=\"noopener\">AM Best<\/a>)<\/li>\n                            <li>Online and mobile claims service<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Eligibility restrictions<\/li>\n                                        <li>Discount availability varies by state<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home security system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homesharing<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">USAA Insurance Review<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA homeowners insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA auto insurance review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Cheapest Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Erie<\/h2>\n\n\n\n<p>Erie is frequently competitive in markets it serves and is often cited as a lower\u2011priced option for standard profiles. Policies include core HO\u20113 coverages and commonly available endorsements like water backup and service line in many areas (availability varies by state and program). Every policy includes 24\/7 claims service. Given Tennessee\u2019s exposure to wind, hail and heavy rainfall, consider endorsements that target loss drivers and review wind\/hail deductible terms carefully (<a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC homeowners guide<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"erie-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">ERIE Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheapest Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Erie tends to price competitively relative to many national carriers for straightforward risks, while offering practical endorsements Tennessee homeowners often want (e.g., water backup, service line).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316528-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,200\u2013$2,800 (TN avg range; varies by profile)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2024 study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Erie tends to price competitively relative to many national carriers for straightforward risks, while offering practical endorsements Tennessee homeowners often want (e.g., water backup, service line).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Often priced below many national competitors<\/li>\n                            <li>24\/7 claims service<\/li>\n                            <li>Network of local agents<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Regional availability; not nationwide<\/li>\n                                        <li>Discounts and endorsements vary by area<\/li>\n                                        <li>Online quote access may be limited<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advanced quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup and sump overflow<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identify theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Service line protection<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Erie Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/erie-review\/\"><span style=\"font-weight: 400;\">Erie Car Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/erie-review\/\"><span style=\"font-weight: 400;\">Erie Renters Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers<\/h2>\n\n\n\n<p>Farmers offers three tiers of homeowners coverage so you can match limits and endorsements to your budget. Tennesseans can access one of the broadest discount menus (bundling, new home, green certifications, connected home) and useful add-ons like water backup, identity theft, contents replacement cost and optional earthquake coverage. In a state facing frequent severe convective storms, pay close attention to wind\/hail deductible structure and any roof age settlement terms when comparing quotes (<a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"farmers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Homeowners Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Farmers stands out for discount breadth and tiered packages that make it easier to customize coverage and manage costs in a higher-premium environment.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=317128-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,200\u2013$2,800 (TN avg range; varies by profile)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2024 study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Farmers stands out for discount breadth and tiered packages that make it easier to customize coverage and manage costs in a higher-premium environment.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide variety of discounts<\/li>\n                            <li>Tiered coverage system including useful endorsements<\/li>\n                            <li>Competitive bundles with auto and other lines<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Slightly lower AM Best rating than some peers<\/li>\n                                        <li>Replacement cost options may require endorsements<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Affinity group\/occupation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">UL-approved roofing materials<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green certifications<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Connected home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rent to own<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal possessions\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eco rebuild<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contents replacement cost\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">FARMERS INSURANCE REVIEW<\/h4>\n                <div> <p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/farmers-insurance-review\/\"><span style=\"font-weight: 400;\">Farmers auto insurance review<\/span><\/a><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"Average Cost of Homeowners Insurance in Tennessee\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Tennessee<\/h2>\n\n\n\n<p>Recent statewide analyses indicate Tennessee homeowners pay roughly $2,200\u2013$2,800 per year, on average, for a standard HO\u20113 policy modeled around $250,000\u2013$300,000 in dwelling coverage, $300,000 liability, and a $1,000 deductible. That places Tennessee above the U.S. average and reflects higher rebuilding costs and an active severe weather environment (<a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate, 2025<\/a>; <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NerdWallet<\/a>). Elevated insurance inflation measured by the <a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEHD\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">BLS insurance CPI<\/a> and historically high counts of billion\u2011dollar disasters reported by <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NOAA<\/a> are key drivers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Average Annual Premiums from Homeowners Insurance Companies in Tennessee<\/h2>\n\n\n\n<p>Company pricing in Tennessee varies widely for the same profile, with differences of hundreds of dollars per year across insurers. To avoid overpaying, compare at least three to five quotes and review deductibles and endorsements (roof settlement, wind\/hail deductibles, water backup) as closely as price. For current modeled averages and methodology, see <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate\u2019s Tennessee analysis<\/a> alongside <a href=\"https:\/\/www.valuepenguin.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">ValuePenguin<\/a>. Local carriers like Farm Bureau Insurance of Tennessee (membership required) are frequently cited among the more affordable options for typical profiles.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Erie<\/td><td>Varies \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>Allstate<\/td><td>Varies \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>USAA<\/td><td>Eligibility required; often competitive \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>Auto-Owners<\/td><td>Frequently competitive via agents \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>Shelter<\/td><td>Varies by market \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>Tennessee Farmers Mutual<\/td><td>Farm Bureau membership required; often below state average \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>Farmers<\/td><td>Bundle and discounts can improve pricing \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>Travelers<\/td><td>Competitive with bundles\\\/<wbr>endorsements \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>Grange<\/td><td>May price above TN average for some profiles \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>State Farm<\/td><td>Large TN presence; pricing varies by ZIP and roof \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><tr><td>Celina<\/td><td>Often above TN average in past datasets \u2014 <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">see current estimate<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Averages reflect modeled profiles; your rate will vary by dwelling limit, deductible, construction, credit, claims history, and location. For current statewide snapshots, see <a href=\"https:\/\/www.bankrate.com\" rel=\"noopener\" target=\"_blank\">Bankrate<\/a> and <a href=\"https:\/\/www.valuepenguin.com\" rel=\"noopener\" target=\"_blank\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top2\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Tennessee\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Companies for Tennessee Homeowners Insurance&nbsp;<\/h2>\n\n\n\n<ul>\n<li>Celina \u2014 often priced above the Tennessee average for standard profiles; verify with current quotes<\/li>\n\n\n\n<li>Grange \u2014 may trend higher than the state average depending on ZIP code and roof age; compare across multiple carriers<\/li>\n\n\n\n<li>State Farm \u2014 can be above average in higher-risk ZIP codes or with older roofs; pricing varies, so check multiple quotes<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap\" title=\"The Cheapest Homeowner Insurance Companies in Tennessee\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Companies for Tennessee Homeowners Insurance<\/h2>\n\n\n\n<ul>\n<li>Farm Bureau Insurance of Tennessee (Tennessee Farmers) \u2014 frequently among the lowest for many profiles; <a href=\"https:\/\/www.fbitn.com\/membership\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">membership required<\/a><\/li>\n\n\n\n<li>USAA \u2014 often competitively priced for eligible military members and families<\/li>\n\n\n\n<li>Auto-Owners \u2014 commonly competitive via independent agents; check bundle and claims\u2011free credits<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Tennessee Home Insurance Considerations:<\/h2>\n\n\n\n<p>Tennessee faces severe convective storm risk (tornadoes, hail, straight-line wind) and heavy rainfall that can drive both wind\/hail and water losses. NOAA reports a record number of U.S. billion\u2011dollar disasters in 2023 and a historically high pace in 2024, with multiple severe storm events affecting the Southeast, including Tennessee (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NOAA<\/a>).<\/p>\n\n\n\n<p>Review wind\/hail deductibles (percentage vs. flat), roof settlement terms (replacement cost vs. ACV for older roofs), and water\u2011damage endorsements. Consider adding water backup and service line coverage, and price separate flood insurance since standard homeowners policies exclude flood. Customer satisfaction across the industry has been under pressure amid inflation and storm activity, so compare service, complaint indices, and financial strength alongside price (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2024<\/a>; <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC Consumer Information Source<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Tennessee Homeowners<\/h2>\n\n\n\n<p>There is abundant information available to homeowners in Tennessee for choosing the right homeowners insurance coverages. We recommend reviewing the following state resources before finalizing your policy:<\/p>\n\n\n\n<ul>\n<li><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.tn.gov\/tema\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Tennessee Emergency Management (TEMA)<\/a><\/li>\n\n\n\n<li><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.tn.gov\/content\/dam\/tn\/commerce\/documents\/insurance\/posts\/FocusonHomeInsurance.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Homeowners Insurance Information<\/a><\/li>\n\n\n\n<li><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.tn.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">A Consumer Guide to Homeowners Insurance<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Tennessee Home Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_60da04146e619\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does Tennessee require flood insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Tennessee home insurance does not include flood insurance, nor is it required by law. However, mortgage lenders typically require this coverage if your property is located in a high-risk flood zone. Even if flood coverage is not required, it may be worth considering given the flood risk to Tennessee homeowners. Many communities do have access to federally-backed flood policies through FEMA\u2019s <\/span><a href=\"https:\/\/www.fema.gov\/fact-sheet\/nfip-sanctioned-communities-tennessee\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">National Flood Insurance Program (NFIP)<\/span><\/a><span style=\"font-weight: 400;\"> or through private insurers that offer flood coverage.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60da04316e61a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much does home insurance cost in Tennessee?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Most current statewide estimates place the average Tennessee homeowners premium in the mid\u2013$2,000s per year for a standard profile (often $250,000\u2013$300,000 dwelling coverage, $300,000 liability, and a $1,000 deductible). See <\/span><a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Bankrate\u2019s latest Tennessee analysis<\/span><\/a><span style=\"font-weight: 400;\"> for current averages. Your rate will vary by ZIP code, credit-based insurance score, claim history, coverage selections, home characteristics, and deductibles.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated companies using third\u2011party indicators for customer experience and financial stability and reviewed coverage\/discount breadth to identify strong options for Tennessee households. We also incorporated current statewide pricing research and market conditions (inflation, severe weather losses) to ground comparisons.<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings \u2014 We referenced recent service context from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power\u2019s latest U.S. Home Insurance Study<\/a>.<\/li>\n\n\n\n<li>Coverage \u2014 Because coverage needs vary, we compared core protections and commonly available endorsements (e.g., water backup, service line, extended replacement cost), noting that availability differs by carrier and state (<a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC<\/a>).<\/li>\n\n\n\n<li>Confidence \u2014 We looked at financial strength with an emphasis on AM Best\u2019s Financial Strength Ratings and encourage readers to verify each carrier\u2019s current rating and outlook at the <a href=\"https:\/\/ratings.ambest.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">AM Best rating center<\/a>.<\/li>\n\n\n\n<li>Customer Experience \u2014 We recommend checking complaint indices and regulatory history via the <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC Consumer Information Source<\/a> and Tennessee DOI resources.<\/li>\n<\/ul>\n\n\n\n<p>Rates reflect modeled statewide averages from <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate\u2019s most recent Tennessee analysis<\/a> and corroborating sources. These are sample estimates for comparison only; your quotes will differ.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners insurance in Tennessee is not required by the state, but it\u2019s likely required if you have a mortgage. Even if your home is owned outright, homeowners insurance can protect your household finances by helping repair or replace the dwelling and its contents after covered losses. Reviews.com refreshed this guide using current statewide premium benchmarks [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362641,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[21174,21910],"post_author":[26296],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Tennessee Homeowners Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"Tennessee homeowners insurance rates are fairly close to the U.S. average, but you can review the best home insurance companies in TN before you buy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-tennessee\/\" \/>\n<meta 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