Protect Your Home & Peace of Mind
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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
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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.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Discounts available in Tennessee
The average cost of home insurance has increased to $1,492 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
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, 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
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We've got Tennessee covered.
We help Tennesseeans find coverage across the entire Volunteer State!
We sell policies in every county in Tennessee, including in these major cities:
- Chattanooga
- Clarksville
- Franklin
- Johnson City
- Knoxville
- Memphis
- Murfreesboro
- Nashville
Frequently asked questions about Tennessee home insurance
Why is homeowners insurance so high in Tennessee?
Several factors contribute to high homeowners insurance rates in Tennessee. Construction costs are rising, and severe weather events are causing more frequent and costly damage. Insurance companies adjust rates to ensure they can cover future losses, particularly following widespread disasters like Winter Storm Fern in 2026, which resulted in a high volume of claims across the state.
Does homeowners insurance cover termites in Tennessee?
No. Termite damage is considered a maintenance issue and is not covered by homeowners insurance.
How does my credit score affect my Tennessee insurance rate?
Your credit can significantly impact your home insurance costs. Homeowners with excellent credit pay significantly less for the same coverage as those with poor credit. You can boost your credit-based insurance score and secure the lowest insurance premiums possible by reducing your total debt and paying your bills on time.
Is it common in Tennessee to have sinkholes?
The heavy rainfall and limestone bedrock throughout Central and Eastern Tennessee make these areas prone to sinkholes and catastrophic collapse. Homeowners insurance doesn’t automatically cover sinkholes. While Tennessee law requires insurers to offer sinkhole coverage, many companies will want to see a professional inspection before adding it to your policy.
Does Tennessee get earthquakes?
The Central U.S., including parts of Tennessee, has an estimated 25 to 40% chance of experiencing a magnitude 6.0 or greater earthquake within the next 50 years. This includes the New Madrid Seismic Zone in Western Tennessee and the East Tennessee Seismic Zone. Since standard homeowners insurance doesn’t cover earthquake damage, you’ll need to add it as an option to your current policy or purchase a standalone policy from a specialty provider.
