Home insurance in Tennessee*
Protect your home with top-rated coverage that could save you money.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover in Tennessee?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Tennessee
The average cost of home insurance has increased to $1,368 per year in Tennessee, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security and fire alarms.
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got Tennessee covered.
We help Tennesseeans find coverage across the entire Volunteer State!
While we sell policies in every county in Tennessee, including these major cities:
Chattanooga
Clarksville
Franklin
Johnson City
Knoxville
Memphis
Murfreesboro
Nashville
Common questions about Tennessee home insurance
What’s the average cost of home insurance in Tennessee?
The average cost of Tennessee home insurance premiums is $1,368, according to the latest data from the National Association of Insurance Commissioners in 2021, but many states have seen significant price increases since then. The average home insurance premium in Tennessee is slightly lower than the national average, but your home’s premiums and risks depend on its location and other characteristics, so the best way to see if you can save is to get a quote.
Is home insurance required in Tennessee?
Home insurance isn’t required by law in Tennessee (nor in any other U.S. state), but almost all mortgage lenders require it before you can buy a home. Even if your lender doesn’t require home insurance, it’s a good financial investment that can save you thousands of dollars in out-of-pocket repair costs.
What factors affect home insurance rates in Tennessee?
Storms and other severe weather events can impact the cost of home insurance premiums in Tennessee since natural disasters make homes riskier to insure. But the cost of your home insurance also depends on exactly where you live, the age of your home, your home’s characteristics, and other factors.
What type of home insurance coverages are recommended in Tennessee?
Beyond standard coverages, you can upgrade your House & Property policy with endorsements. For instance, you can choose to:
- Insure your personal property for its replacement cost coverage
- Make sure you're covered for water backup and sump overflow
- Add an ordinance or law endorsement so you're protected if a covered loss requires you to meet new building codes
- Get coverage for earthquakes
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