Best Homeowners Insurance in Tennessee

Tennessee's best home insurance companies are Erie, State Farm, Travelers, Allstate and Foremost. Erie excels in customer service, State Farm is the most affordable and Foremost Insurance offers the best coverage options. Compare all our top picks below.

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

Our rankings highlight the best overall home insurance options, but they vary by home and homeowner categories. Here are the top choices for these categories:

Home insurance provider rankings in Tennessee cities vary based on affordability, local customer service and available add-on coverages. Erie ranks best in Chattanooga, Knoxville and Nashville-Davidson with MoneyGeek scores of 92, while it tops the list in Hendersonville with a score of 93. The table shows the top options for each city.

Explore our top home insurance picks for Tennessee residents, featuring leaders in affordability, customer service, and coverage options.

As America's largest homeowners insurer, State Farm offers Tennessee's most affordable rates backed by 18,000+ local agents. Ranking seventh in customer satisfaction and eighth in claims satisfaction per J.D. Power, State Farm delivers an above-average customer experience. State Farm provides personal articles coverage with no deductible, underground utility protection and extended replacement cost coverage up to twice your dwelling limit.

Erie earns its best overall title through unmatched customer satisfaction. It ranks highest in our study with fourth place overall and third for claims satisfaction per J.D. Power. Erie's policies include premium features others charge extra for: 100% guaranteed replacement cost (pays unlimited rebuilding costs), comprehensive valuables coverage up to $500 and unique extended water protection covering floods, sewer backups and storm surge.

Choosing the best insurance can be daunting, but our guide helps you find the right coverage for your needs and budget.

Erie, State Farm and Travelers are the best-rated homeowners insurance providers in Tennessee. Researching and comparing providers helps you find the best fit for your specific needs.

We answered common questions about home insurance providers in Tennessee.

Tennessee homeowners face unique risks like tornadoes and flooding that require comprehensive coverage. We evaluated providers on what matters most: affordability, customer experience and coverage options.

Our MoneyGeek Score Breakdown

• Affordability (55%): We analyzed rates across different home types, credit tiers and risk levels. Providers scored higher for competitive pricing and extensive discount offerings. This heavy weight reflects that cost is the primary concern for most homeowners.
• Customer Satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys. This score includes the buying process, policy management and claims handling to show you which companies deliver good service throughout your relationship.
• Coverage Options (15%): We assessed the number of add-on options, unique features and state availability. More coverage flexibility means you can tailor your policy to Tennessee-specific needs like tornado protection or flood coverage.