Home Insurance in Tennessee
Tennessee has quietly become one of the more expensive states in the country to insure a home — recent rate analyses put it around seventh nationally, with typical premiums near triple what they were a decade ago. The driver is severe convective storms: the state sits in the heart of the mid-South tornado and hail corridor, and the March 2020 outbreak alone — an EF-3 through Nashville, an EF-4 near Cookeville — produced more than $1.5 billion in insured losses.
The risks change character across the state, which is why carriers price it town by town. Middle Tennessee carries the tornado corridor, East Tennessee adds mountain wildfire exposure the 2016 Gatlinburg fires made unmistakable, and West Tennessee sits on the New Madrid Seismic Zone — where the one peril that matters most is excluded from every standard policy. Comparing carriers, and knowing which endorsements your county actually needs, is where a licensed agent earns the call. Pick your city below.
Tennessee coverage notes
Tennessee premiums have climbed faster than most states — 2026 analyses place the statewide average near $3,000-3,400 a year and rank Tennessee around seventh-most-expensive nationally, driven by tornado and hail losses rather than coastal wind
Tennessee premiums have climbed faster than most states — 2026 analyses place the statewide average near $3,000-3,400 a year and rank Tennessee around seventh-most-expensive nationally, driven by tornado and hail losses rather than coastal wind.
The March 2020 tornado outbreak through Nashville, Mount Juliet, and Cookeville generated roughly 19,500 claims and over $1
The March 2020 tornado outbreak through Nashville, Mount Juliet, and Cookeville generated roughly 19,500 claims and over $1.5 billion in insured losses, and carriers re-rated much of Middle Tennessee afterward.
West Tennessee lies in the New Madrid Seismic Zone
West Tennessee lies in the New Madrid Seismic Zone. Earthquake damage is excluded from every standard homeowners policy; coverage is a separate endorsement or policy, and it is priced cheaply enough west of the Tennessee River to be worth asking about.
The 2016 Sevier County wildfires (Gatlinburg) caused roughly $1 billion in insured losses and pushed carriers to underwrite brush exposure, defensible space, and access roads on mountain and cabin properties in East Tennessee
The 2016 Sevier County wildfires (Gatlinburg) caused roughly $1 billion in insured losses and pushed carriers to underwrite brush exposure, defensible space, and access roads on mountain and cabin properties in East Tennessee.
Percentage-based wind/hail deductibles — 1-2% of dwelling coverage instead of a flat amount — are increasingly common on Tennessee policies
Percentage-based wind/hail deductibles — 1-2% of dwelling coverage instead of a flat amount — are increasingly common on Tennessee policies. Ask for the figure in dollars on every quote.
Tennessee has no state windstorm pool
Tennessee has no state windstorm pool: wind and hail are covered by the standard market statewide, so the comparison that matters is between carriers, not between the market and a pool of last resort.
Cities we serve in Tennessee
Nashville
~$2,900
avg / year
Top peril: Tornadoes
Franklin
~$4,150
avg / year
Top peril: Tornadoes
Brentwood
~$5,400
avg / year
Top peril: Storm wind
Knoxville
~$2,450
avg / year
Top peril: Storm wind
Chattanooga
~$2,350
avg / year
Top peril: Tornadoes
Murfreesboro
~$2,800
avg / year
Top peril: Tornadoes
Germantown
~$3,250
avg / year
Top peril: Storm wind
Collierville
~$3,350
avg / year
Top peril: Storm wind
Tennessee home insurance questions
Ready to see your rate in Tennessee?
A licensed agent can compare multiple carriers for your home in one call. Free, fast, and no obligation — Home Insurance Depot works for you, not one insurer.
(866) 471-6846Call for a free quote: (866) 471-6846