The Best Home Insurance in Tennessee for 2025

Chubb, USAA and Amica are among the best home insurance companies in Tennessee, according to our analysis.

To help you find the best home insurance in Tennessee, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here's more information about the best homeowners insurance companies in Tennessee.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to well-to-do homeowners, offering coverage that often costs extra from other insurers. For example, the company’s policies include extended replacement cost coverage for your home, in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders in Tennessee are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to coverage. For example, you can customize your policy with extra coverage above your dwelling limit. You can also add coverage for identity theft or damage from backed-up drains.

Amica also scores well on customer service. It gets far fewer complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also scored well in two recent J.D. Power surveys about home insurance and customer satisfaction.

» READ MORE: Amica homeowners insurance review

If you want to support insurers that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers several other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options, including things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm’s policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

State Farm offers a free Ting smart plug to home insurance policyholders. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you customize your package for your needs. You can add extra coverage for the structure of your home, your belongings or both.

Country Financial sells homeowners insurance through local representatives. The insurer gets far fewer complaints than expected for a company of its size.

» READ MORE: Country Financial homeowners insurance review

Erie includes guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if it costs more than your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You might have the option to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home.

Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.

» READ MORE: Openly homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families.

The company offers some perks for members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Tennessee is $2,850. That’s 35% more than the national average of $2,110.

In most U.S. states, including Tennessee, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Tennessee, those with poor credit pay an average of $6,060 per year, according to NerdWallet’s rate analysis. That’s 113% more than those with good credit.

» MORE: How your credit score affects home insurance rates

How much you pay for home insurance in Tennessee will depend on your ZIP code. For example, the average cost of homeowners insurance in Nashville is $2,840 a year, while homeowners in Memphis pay an average of $3,395 per year.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Tennessee average of $2,850.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when evaluating home insurance options in Tennessee.

Tornadoes

While most homeowners insurance policies cover wind damage, depending on where you live, you may have a separate deductible for wind or hail damage. (A deductible is the amount subtracted from your claim payout.) For example, you might have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

Flooding

Homeowners insurance usually doesn't cover water damage caused by flooding. For that, you’ll need to buy flood insurance. Note that while you can buy flood coverage anytime, there’s typically a 30-day waiting period before your policy takes effect.

» MORE: How to find the best flood insurance

Sinkholes

Most homeowners insurance policies won’t cover damage caused by sinkholes. By law, Tennessee home insurance companies must offer you the option to add sinkhole coverage to your policy.

» MORE: Home insurance calculator: Estimate your rate

The Department of Commerce and Insurance oversees Tennessee's insurance industry. You can file a complaint against your insurance company online, by mail or via fax. The site also offers educational information about insurance and other consumer resources. For answers to specific insurance questions, call 800-342-4029.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.