Tennessee homeowners insurance

If you own a house in the Volunteer State or are moving there soon, Progressive can help protect the home you love with customized, affordable Tennessee homeowners insurance. Check the coverages, rates, and discounts for Tennessee residents in the Great Smokey Mountains, Music City, Graceland, and everything in between.

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How you're covered

Tennessee doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Tennessee

Tennessee is notably susceptible to natural disasters with the possibility of severe storm activity year-round. The state also sees an average of nearly 30 tornadoes per year, more than half of which occur at night when they're more dangerous. Fortunately for Tennessee residents, damage from these perils may be covered under a standard homeowners policy.

Learn more about how home insurance may cover damage caused by severe weather.

Tennessee's many rivers and lakes put hundreds of thousands of Tennesseans at risk of inland flooding, including flash floods. Your homeowners policy won't cover flood damage, but a dedicated flood insurance policy may protect your property and belongings.

Tennessee is also prone to sinkholes, according to the USGS, especially in the central and eastern parts of the state. Tennessee law requires homeowners insurance providers to offer optional sinkhole coverage that can cover damages resulting from a sinkhole. Learn more about how homeowners insurance may cover sinkholes.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm system
  • Multi-policy
  • Quote in advance
  • New purchase

See more about the home insurance discounts we offer.

Pro tip:

Bundle home and auto insurance with Progressive to earn a multi-policy discount. We make it simple to get a bundled quote, even from your phone.

How much is homeowners insurance in Tennessee?

Your cost for Tennessee homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a property you own in Tennessee?

Make sure the rental property you own in Tennessee is protected with the right type of insurance policy. Learn more about landlord policies and insurance for vacation or vacant homes.

Fast facts about homes in Tennessee

  1. In Signal Mountain, Tennessee, there's a house shaped like a spaceship, including a drop-down staircase to enter the home.

  2. Tennessee's homeownership rate is about 70%, according to FRED — well above the national average.

  3. The average price of a single-family home in Tennessee is just over $250,000, according to Trulia.

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