Erie offers the best home insurance in Hendersonville, balancing affordability, customer service and coverage options. For those focusing on price, State Farm provides the lowest premiums, with average monthly rates starting at $259.
Cheap Home Insurance in Hendersonville
Updated: June 9, 2025
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Key Takeaways
Erie is the best overall home insurance company in Hendersonville, while State Farm is the cheapest at around $3,103 per year.
Home insurance in Hendersonville costs an average of $759 per month or $9,103 per year for most homeowners.
To get the best and cheapest home insurance in Hendersonville, determine your coverage needs beforehand, research costs and companies, and compare plenty of quotes on an apples-to-apples basis.
Best Cheap Home Insurance Companies in Hendersonville
| Erie | 92 | $408 | $4,898 |
| State Farm | 87 | $259 | $3,103 |
| Foremost Insurance | 79 | $303 | $3,636 |
| Allstate | 78 | $387 | $4,650 |
| Travelers | 77 | $839 | $10,072 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Hendersonville Home Insurance Cost?
Home insurance rates in Hendersonville vary based on your personal profile, coverage level and home details. Costs range from $286 to $2,662 monthly. Below, you can compare personalized rates based on your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $286 | $3,431 |
How to Get the Best Cheap Home Insurance in Hendersonville
Finding affordable home insurance in Hendersonville can be tough. We've put together a step-by-step guide to help you secure the best cheap homeowners insurance that suits your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Knowing the average home insurance costs in Tennessee for your city and profile helps you spot good deals and avoid overpaying. Look into discounts like bundling policies, security systems or claim-free records, as these can significantly reduce your premium.
- 3
Compare Company Offerings and Reputations
In addition to cost research, evaluate what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. J.D. Power, NAIC, Reddit and Trustpilot are great resources for reviewing service quality.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes apples-to-apples will help you identify the cheapest option for equivalent coverage. Prices may vary based on the source, so request quotes online and from independent agents and captive agents to ensure the lowest price.
Best Home Insurance in Hendersonville: Bottom Line
The best and most affordable home insurance companies in Hendersonville are Erie, State Farm and Foremost. While these are recommended, compare multiple quotes on your own to ensure you're getting the best rate.
Hendersonville Home Insurance: FAQ
Below, we answer common questions about home insurance in Hendersonville.
Who offers the best home insurance in Hendersonville?
Our top pick for the best home insurance provider in Hendersonville is Erie, with its excellent service, competitive pricing and comprehensive coverage options. Additionally, consider getting quotes from State Farm, Foremost Insurance, Allstate and Travelers.
Who has the cheapest home insurance in Hendersonville?
State Farm offers the most affordable home insurance for the average homeowner in Hendersonville, costing about $259 per month or $3,103 per year. However, rates can differ significantly depending on your coverage level and home characteristics.
What does home insurance cost in Hendersonville?
Home insurance costs in Hendersonville range from $3,431 to $31,943 annually, influenced by home age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Hendersonville
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Hendersonville. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.