Tennessee Home Insurance Cost 2026: $3,045/yr for Homeowners
Tennessee homeowners insurance averages $3,045 per year ($254 per month) for a $250,000 dwelling, $125,000 personal property, $200,000 liability, and a $1,000 deductible, per MoneyGeek (updated 1 Aug 2026; fetched 15 Aug 2026). That is below MoneyGeek's national sample of $3,467 per year on the same dwelling limit. These are typical publisher samples, not quotes. Actual rates depend on your specifics; get a real quote for accurate pricing.
Insure.com (fetched 15 Aug 2026) prints $2,945 per year for a $300,000 dwelling, $100,000 liability, and a $1,000 deductible. ValuePenguin (fetched 15 Aug 2026) prints $3,408 per year for a $350,000 dwelling. We do not average those three figures. Each sample uses a different dwelling limit. This page leads with MoneyGeek's $3,045 because it is the 2026 statewide figure with a dated update.
TCDS Group LLC is an independent agency licensed in Tennessee. We compare 50+ carriers for homeowners in Nashville, Memphis, Knoxville, Chattanooga, and every other county. Call (615) 989-6444. A member of the team will call you back. Instant rates stay gated until we have your details. Related: Tennessee home insurance compare hub and the home insurance overview.
What the $3,045 sample includes
MoneyGeek's Tennessee homeowners average is an HO-3-style package: dwelling, other structures, personal property, loss of use, and personal liability. It is not a liability-only figure and it is not a flood premium. Standard homeowners policies exclude flood. The May 2010 Nashville flood along the Cumberland River is still the event Tennessee agents cite when they tell homeowners to buy NFIP or private flood separately.
Replacement cost versus actual cash value changes the claim check. Replacement cost rebuilds at current prices. Actual cash value subtracts depreciation. For a 20-year-old roof after a Middle Tennessee hailstorm, that gap can be thousands of dollars. Ask which valuation your policy uses before you bind.
City samples MoneyGeek published (same $250k dwelling)
MoneyGeek's Tennessee city table (updated 1 Aug 2026; fetched 15 Aug 2026) uses the same $250,000 dwelling profile. Printed city averages include Knoxville $2,487, Hendersonville $2,817, Clarksville $2,917, Chattanooga $2,958, Spring Hill $3,008, Murfreesboro $3,138, and Memphis $3,582. MoneyGeek did not print a Nashville city average on that table, so this page does not invent one. ValuePenguin printed Nashville at $3,292 on a $350,000 dwelling sample (fetched 15 Aug 2026) — a different limit, listed here only as a second publisher's city figure.
Memphis sits above the statewide $3,045 on MoneyGeek's $250k table. Knoxville sits below it. Those gaps track local claim mix: theft and older housing stock in parts of Shelby County, and a milder weather load in Knox County, plus wildfire brush exposure in the Smoky Mountain foothills. Chattanooga's Tennessee River flood zones and mountain-gap wind are priced in the flood and wind conversation, not inside the $2,958 HO-3 sample.
What drives Tennessee homeowners rates in 2026
Tornadoes are the first weather driver. Tennessee sits on the eastern edge of Dixie Alley. Middle Tennessee — Nashville, Franklin, Murfreesboro, Clarksville — sees regular spring outbreaks. Insurers still carry the March 2020 Nashville and Cookeville tornadoes in loss models. Wind and hail deductibles are often separate from the all-peril deductible.
Hail is the second driver. Spring thunderstorms produce hail across Middle and East Tennessee. A hail-damaged roof is one of the most common homeowners claims in the state. Roof age, material, and condition move the premium. A roof older than 15 years can add hundreds per year on a typical sample. A roof older than 20 years may require a replacement-cost endorsement or a higher deductible. Those dollar adders are typical ranges, not quotes.
Flood is a separate policy. Homes along the Cumberland River, Mill Creek, and Richland Creek in Nashville, and along the Tennessee River in Chattanooga and Knoxville, sit in FEMA flood zones. If the home is in a Special Flood Hazard Area, the lender will require flood insurance. See flood insurance.
Wildfire is a growing East Tennessee factor. The Great Smoky Mountains and the Cumberland Plateau have seen increased wildfire activity. Homes in Sevier County, Blount County, and wooded parts of Knox County may see wildfire underwriting questions or brush-clearance requirements.
Western Tennessee has a New Madrid Seismic Zone conversation. Earthquake is not in a standard HO-3. Memphis-area homeowners should ask about a separate earthquake endorsement. That is not in the $3,045 sample.
How to shop the $3,045 sample
Bundle home and auto. Most carriers offer a multi-policy credit when both policies sit with the same company. Raise the deductible only if you can pay it after a hail or tornado claim. Update the roof before the next renewal if it is past mid-life. Ask about monitored alarms, water-leak sensors, and claims-free credits. Recheck the dwelling limit against 2026 rebuild cost in Davidson, Shelby, Knox, or Hamilton County — underinsurance is a bigger problem than overpaying the sample.
TCDS Group LLC compares 50+ carriers for Tennessee homeowners. We do not rank our own carriers against each other. Farm Bureau appears in some publisher tables; it is not a TCDS carrier. Call (615) 989-6444 or use the form on this page. A member of the team will call you back.
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Part of: Home Insurance
What homeowners insurance costs in Tennessee
Tennessee homeowners pay somewhat less for coverage than the national average, but the figure you actually pay swings widely by where you live and what your home is worth. Recent rate studies put the typical Tennessee homeowners premium in the roughly $1,700–$2,300 per year range for a mid-value home, with the statewide average landing a little below the U.S. average (sources: NerdWallet, Bankrate). Treat any single average as a starting point — your dwelling value, roof age, claims history and county risk move the number far more than the state line does.
Two Tennessee-specific realities shape the price. First, the state sees severe thunderstorms, hail, straight-line wind and tornadoes, especially across Middle and West Tennessee, and many policies carry a separate percentage-based wind/hail deductible rather than a flat dollar amount (source: Insurance Information Institute). Second — and this is the big difference from Alabama — Tennessee has no statewide FORTIFIED building-code mandate or required insurer discount. Alabama law (Ala. Code § 27-31D) forces admitted carriers to credit IBHS FORTIFIED construction; Tennessee has no equivalent statute, so a FORTIFIED designation may or may not earn you a credit depending entirely on the individual carrier. Do not assume a mitigation discount in Tennessee the way you can in coastal Alabama. As a brokerage licensed in Tennessee, TCDS shops multiple carriers to find which ones price your roof, your county and any mitigation you have done most favorably.
| Cost factor | What it means in Tennessee | Source |
|---|---|---|
| Statewide average | Typically a bit below the U.S. average; ~$1,700–$2,300/yr for a mid-value home. | NerdWallet |
| Dwelling value | Rebuild cost (not market price) is the single biggest driver of premium. | III |
| Wind/hail deductible | Often a separate percentage of dwelling value, not a flat dollar amount. | III |
| Severe-storm exposure | Middle/West TN see frequent hail, wind and tornado activity. | NWS |
| FORTIFIED credit | No statewide mandate — a discount depends entirely on the carrier. | IBHS |
| Flood | Excluded from every standard home policy; needs a separate NFIP/private policy. | FEMA / FloodSmart |
Cost ranges compiled from NerdWallet, Bankrate and the Insurance Information Institute. Averages are estimates; your own premium depends on your home, county, roof, claims history and carrier. Confirm any FORTIFIED or mitigation credit directly with the carrier — Tennessee does not mandate one.
See the full Tennessee insurance guide.
Part of: Home Insurance
Frequently Asked Questions
How much is homeowners insurance in Tennessee in 2026?
MoneyGeek (updated 1 Aug 2026, fetched 15 Aug 2026) puts Tennessee homeowners insurance at $3,045/yr ($254/mo) for a $250,000 dwelling, $125,000 personal property, $200,000 liability, and a $1,000 deductible. Insure.com (fetched 15 Aug 2026) lists $2,945/yr for a $300,000 dwelling / $100,000 liability / $1,000 deductible. ValuePenguin (fetched 15 Aug 2026) lists $3,408/yr for a $350,000 dwelling. Those are three different limits. Do not average them. Actual rates depend on your specifics; get a real quote for accurate pricing.
Why do MoneyGeek, Insure.com, and ValuePenguin disagree?
MoneyGeek models a $250k dwelling. Insure.com uses $300k. ValuePenguin uses $350k. $3,045, $2,945, and $3,408 are not the same product. This page's title uses MoneyGeek's $250k hero because that is the dedicated 2026 Tennessee cost article.
Does Tennessee require a FORTIFIED home discount?
No. Unlike Alabama, where Ala. Code 27-31D requires admitted carriers to credit IBHS FORTIFIED construction, Tennessee has no statewide FORTIFIED mandate. A designation may still help with some carriers — confirm it; do not assume it.
What is a wind/hail deductible on Tennessee homeowners insurance?
Many Tennessee home policies apply a separate deductible for wind and hail, often a percentage of dwelling coverage rather than a flat dollar. On a higher-value home that percentage is a large out-of-pocket figure. Understand it before you buy, not after a storm.
Does Tennessee home insurance cover flooding?
No. Flood is excluded from every standard homeowners policy, including in Tennessee. The May 2010 Nashville flood and the Cumberland, Mississippi, and Tennessee river systems are why a separate NFIP or private flood policy matters. TCDS can quote flood beside the home form.
Which Tennessee cities did publishers print a dollar for?
MoneyGeek's $250k table (1 Aug 2026) prints Knoxville $2,487, Clarksville $2,917, Chattanooga $2,958, Murfreesboro $3,138, and Memphis $3,582 — among others on that page. It does not print Nashville. ValuePenguin's $350k page prints Nashville at $3,292/yr. We do not invent a MoneyGeek Nashville dollar.
How do I get a Tennessee homeowners quote?
Use the Home-prefilled form on this page or call (615) 989-6444. A member of the team will call you back during business hours. Instant rates stay gated. Carrier comparison lives on /tennessee-home-insurance — this URL is the 2026 cost keeper.