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.
Best Homeowners Insurance in Tennessee
Updated: June 22, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Tennessee are Erie, State Farm and Travelers.
Erie offers the best overall home insurance for most Tennessee homeowners. State Farm could be a more suitable option for those who own newer homes.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Tennessee?
| Erie | 91 | 3 | 1 | 3 |
| State Farm | 87 | 1 | 2 | 4 |
| Travelers | 79 | 5 | 3 | 2 |
| Allstate | 77 | 2 | 4 | 4 |
| Foremost Insurance | 74 | 4 | 5 | 1 |
*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.
Best Homeowners Insurance Companies by Category
While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories.
| Erie | 91 | Overall |
| Erie | 89 | Older Homes |
| Erie | 93 | Newer Homes |
| Erie | 91 | High-Fire-Risk Areas |
| Erie | 93 | Bad Credit |
| Erie | 89 | With Claims History |
Best Tennessee Home Insurance by City
Home insurance provider rankings in Tennessee cities vary based on affordability, local customer service, and available add-on coverages. For example, 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. To help you choose the right provider, we've highlighted the top options for each city.
| Chattanooga | Erie | 92 |
| Clarksville | Erie | 91 |
| Hendersonville | Erie | 93 |
| Knoxville | Erie | 92 |
| Memphis | Erie | 91 |
| Murfreesboro | Erie | 92 |
| Nashville-Davidson | Erie | 92 |
Best Tennessee Home Insurance Reviews
Explore our top home insurance picks for Tennessee residents, featuring leaders in affordability, customer service, and coverage options.
State Farm: Best for Affordability
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 (J.D. Power), State Farm also demonstrates an above-average customer experience. In addition, State Farm provides personal articles coverage with no deductible, underground utility protection, and extended replacement cost coverage up to twice your dwelling limit.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $117 | $1,398 |
| Newer Homes in High-Fire-Risk Areas | $117 | $1,398 |
| Older Homes in High-Fire-Risk Areas | $194 | $2,327 |
| Older Homes | $194 | $2,327 |
Erie: Best Overall
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.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $195 | $2,346 |
| Newer Homes in High-Fire-Risk Areas | $195 | $2,346 |
| Older Homes | $405 | $4,862 |
| Older Homes in High-Fire-Risk Areas | $405 | $4,862 |
How to Find the Best Home Insurance in Tennessee
Choosing the best insurance can be daunting, but our guide will help you find the right coverage tailored to your needs and budget.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside, and local risk factors that might affect your coverage to find the right balance of protection and cost.
- 2
Research costs and discounts
Explore how much home insurance costs in Tennessee to see if providers truly offer savings. Also, check for discounts you qualify for, such as bundling or installing home safety devices, to maximize your savings potential.
- 3
Find the best providers for you
Narrow your search for the best and cheapest home insurance in Tennessee. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
After completing your research, compare providers to find the best option. Get quotes online or by phone to find the best deal.
- 5
Review and finalize your policy
Once you've compared providers and narrowed down your choices, review your selected policy in detail. Confirm that it meets your needs at a competitive price, then finalize the agreement.
Best Homeowners Insurance in Tennessee: Bottom Line
Erie, State Farm, and Travelers are the best-rated homeowners insurance providers in Tennessee. While these are strong recommendations, researching and comparing providers will help you find the best fit for your specific needs.
Best Home Insurance in Tennessee: FAQ
To help you choose wisely, we've answered common questions about home insurance providers in the Volunteer State.
Which company is best for home insurance in Tennessee?
Erie is the best homeowners insurance provider in Tennessee, with excellent affordability, customer service, and diverse coverage options. State Farm, Travelers, Allstate, and Foremost Insurance are also top contenders in the state.
Who has the most affordable homeowners insurance in Tennessee?
The most affordable homeowners insurance in Tennessee varies by individual circumstances. However, the average cost in Tennessee is $1,283 annually.
How do you get the best homeowners insurance in Tennessee?
To find the best home insurance in Tennessee, decide on your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Tennessee: Our Methodology
We rated the best homeowners insurance providers in Tennessee using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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.