Homeowners insurance in Tennessee**

Join Kin for a 10% new member discount.† Get a home insurance quote today!

From the Blue Ridge Mountains to the Home of the Blues, Tennessee is a beautiful state to live in. Add in low taxes and a high quality of life, and you see why so many people want to call the Volunteer State home.

Your Tennessee home deserves quality protection – that’s where we come in!

**We’re Kin, and we’re a new kind of insurance company that’s dedicated to reimaging home insurance through technology and innovation. Our customizable House & Property insurance can provide the peace of mind that your home is protected whether you live in it year-round or rent it to others.

House & Property insurance starts with a base policy that’s similar to landlord insurance, so you’re covered if you rent out your property. That coverage can easily be adjusted with an owner-occupied endorsement if you live in your home, which creates coverage more like an HO3 policy.

Ready for a quote? Enter your address now.

You’re covered with Kin

We've been protecting homes since 2016 and have earned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc. –  a strong indicator of our ability to meet our financial obligations. Now we’re an admitted carrier in Tennessee, ready to bring you exceptional coverage for your home.


The most current FSR® must be verified by visiting www.demotech.com.

House & Property insurance coverage details

House & Property insurance is designed to protect property owners no matter how they use their homes. So whether you live in the house or rent it out, you get coverage for:

When you occupy the property, you also get:

Are you leasing out your home? House & Property policies includes fair rental value coverage to help you recover income if the property is unrentable due to a covered loss. 

The structure of your home is insured on an open perils basis. This gives you protection from financial losses stemming from most of the common perils Tennessee homeowners face, including:

  • Wind.

  • Fire.

  • Theft.

  • Hail.

Personal property is insured on a named perils basis. That means it’s covered for losses caused by any of the 16 perils listed in your policy.

You can also upgrade your House & Property policy with endorsements. For instance, you can choose to:

How much does home insurance cost in Tennessee?

On average, home insurance premiums in Tennessee are $1,368 per year. But prices can vary significantly based on how insurers weigh the factors that determine premium, such as the age, size, and location of your home. 

Those aren’t the only characteristics that influence your insurance costs. The amount of coverage you need and the deductibles you chose are also important factors, as is your claims history.

The best way to know how much your homeowners insurance may cost? Get a quote

How to save money with Kin

The more insurance data a company can get, the better it's able to understand your risk and set a fair premium. That’s one way Kin helps homeowners save. By gathering more publicly available information, we’re able to provide fair quotes quickly.

Discounts are also key to saving on home insurance. Our members in Tennessee often see reduced premium for:

  • Installing water detection, home security, or fire prevention devices.

  • Being claims free for at least five years.

  • Managing your coverage online.

  • Joining Kin by buying your first policy.

Another way to save is to choose a higher deductible. Our Tennessee House & Property policies have the following deductible options:

Be smart about the deductible you choose. It’s the amount you’re responsible for in a claim, so you want to pick a deductible that you can afford even after a catastrophe.

How to get homeowners insurance in Tennessee

Getting insurance is quick and easy when you work with Kin. Enter your address now and our online application will walk you through the process. Otherwise, give us a call  855-717-0022 so one of our representatives can help you.
†Welcome discount currently only available for House & Property policies, once per household per property address.

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