Updated: January 26, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Tennessee are Erie, USAA and Auto-Owners.
USAA offers the highest-quality homeowners insurance in Tennessee with the lowest average annual premium at $2,041.
Frequent tornadoes create elevated premium costs for Tennessee residents. Shop multiple insurers to find quality protection at competitive rates.
Erie is the best home insurance company for most Tennessee homeowners with affordable rates and strong customer experience. USAA earned the highest MoneyGeek score from our team but ranks No. 2 because coverage is available only to military members, veterans and their families. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| USAA | 5 | 1 | 1 | 1 |
| Erie | 4.86 | 5 | 2 | 2 |
| Foremost Insurance | 4.21 | 3 | 8 | 6 |
| Progressive | 4 | 7 | 6 | 7 |
| Travelers | 3.64 | 8 | 7 | 8 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Tennessee's urban centers face different insurance challenges than the Smoky Mountain communities dealing with wildfire exposure. We identified the top-scoring insurer for major cities across the state based on affordability, customer satisfaction and coverage options.
| Antioch | USAA | $2,011 |
| Burns | USAA | $2,032 |
| Chattanooga | USAA | $1,913 |
| Clarksville | USAA | $1,920 |
| Fayetteville | USAA | $2,115 |
| Goodlettsville | USAA | $1,949 |
| Hendersonville | USAA | $1,959 |
| Hermitage | USAA | $1,985 |
| Knoxville | USAA | $1,773 |
| Memphis | USAA | $2,398 |
| Murfreesboro | USAA | $2,053 |
| Pulaski | USAA | $2,111 |
| Spring Hill | USAA | $2,111 |
Coverage amounts impact Tennessee home insurance costs, with $500,000 in dwelling protection running $4,959 annually versus $1,790 for $100,000 coverage. The state averages $3,045 yearly, though your personal profile creates major variations. Credit scores drive the biggest differences, with poor credit pushing premiums to $7,905 while excellent credit brings costs down to around $1,411 per year.
Overall average | $3,045 | $254 |
$100,000 dwelling coverage | $1,790 | $149 |
$500,000 dwelling coverage | $4,959 | $413 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $1,411 | $118 |
Poor Credit | $7,905 | $659 |
Compare Tennessee home insurance rates to find affordable coverage that protects against the state's severe storms, tornadoes and flooding risks. Shop for policies that address these specific hazards while fitting your budget.
Assess your home's replacement cost and Tennessee's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Tennessee's high rebuilding costs.
Tennessee home insurance averages $3,045 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Tennessee-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Tennessee's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Tennessee homes.
Update your dwelling coverage annually to match rising construction costs and your home's current replacement value. Tennessee's housing market fluctuations and severe storm risks mean you'll need to shop for new quotes each year, especially after home improvements.
Erie, USAA and Auto-Owners lead Tennessee's home insurance market with strong financial ratings and comprehensive coverage options. Get quotes from these insurers and prioritize protection against Tennessee's wildfire and hail risks while ensuring adequate rebuilding costs and liability coverage.
Common questions Tennessee homeowners ask when shopping for home insurance:
No, standard home insurance policies exclude flood damage from coverage. Homeowners need separate flood insurance through the National Flood Insurance Program or private insurers to protect against water damage from natural flooding, storm surge, or overflowing bodies of water. This additional coverage must be purchased before flooding occurs.
Your dwelling coverage needs to match the full cost to rebuild your home, not its market value. Create an inventory of your belongings to determine adequate personal property coverage amounts. Consider using a construction cost calculator or getting a professional appraisal to ensure accurate rebuild cost estimates.
Tornadoes increase home insurance premiums in Tennessee as insurers adjust rates to reflect the elevated risk of property damage and claims. Western and Middle Tennessee face particularly high tornado exposure, making coverage more expensive in these regions. Homeowners can reduce premiums by installing impact-resistant materials like reinforced roofing or storm shutters, which qualify for discounts while providing better protection against tornado damage.
Replacement cost coverage pays to replace damaged items with new ones at current market prices, while actual cash value coverage only reimburses what your belongings were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost would buy you a brand-new TV, but actual cash value would only pay what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Tennessee-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Tennessee homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Tennessee's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Tennessee needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Tennessee's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Tennessee homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
