Property insurance in TN covers your home and most of your belongings. Insurance providers will typically combine home insurance with liability insurance which pays for property damage and injuries caused by family members and pets. Property insurance will also cover temporary living expenses when a natural disaster requires you to live away from home.

Property insurance companies in Tennessee also cover most natural disasters like fire, hail and lightning. A standard homeowner’s insurance policy may specify other perils although earthquakes and floods will need to be insured by individual policies. Property insurance in Tennessee will not cover losses caused by poor maintenance.

Three key factors affect the cost of homeowners insurance in Tennessee:

1. The specific location of the property can require additional insurance that is dictated by geography. For example, property insurance in TN should include additional protection against theft for homes in areas with a high crime rate.
2. The premium of property insurance in Tennessee. This most commonly refers to an alarm system.
3. TN property insurance should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.
   

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of property insurance companies in Tennessee

Multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Insurance.com finds quotes by zip code and represents the largest carriers of homeowners insurance. Begin your search for Tennessee house insurance quotes at All Options Insurance by entering your zip code.

Find TN property insurance brokers who represent major carriers

You may want to obtain Tennessee homeowners insurance through an agent represents a major carrier in the state and who can make a recommendation based on the specific needs of your situation. An agent will also handle much of the paperwork required by an insurance carrier.

I recommend: Liberty Mutual has the capability to locate agents in your area and is part of the top 20 property and casualty insurance groups in the United States. Go to Allied Insurance and enter your zip code and search radius for a list of insurance agents in your area.

Get a Tennessee home insurance policy from a local agent

You may wish to contact a local independent property insurance company in Tennessee rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: Sparks Insurance Agency is locally owned in Tennessee and specializes in low-cost auto, homeowners and small business insurance. Gray Insurance Agency is one of the largest multi-line insurance agencies in east Tennessee and is also licensed in Virginia, Kentucky, Ohio and North Carolina.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Expensive items like furs, jewelry and silverware are typically only covered up to a fixed amount by Tennessee property insurance coverage. A special property endorsement will be needed to replace these items if their value is not covered by the primary policy. These items will be covered if they are lost or stolen.