Tennessee homeowners insurance cost

Tennessee Home Insurance Cost 2026: $3,045/yr for Homeowners

Tennessee homeowners insurance averages $3,045/yr ($254/mo) for a $250,000 dwelling (MoneyGeek, updated 1 Aug 2026; fetched 15 Aug 2026).

Insure.com’s $300k sample is $2,945/yr. ValuePenguin’s $350k sample is $3,408/yr. Those are different dwelling limits. Actual rates depend on your specifics; get a real quote for accurate pricing.

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2026 publisher surveys (three dwelling limits)

Do not mix a $250k MoneyGeek row with a $300k Insure.com row or a $350k ValuePenguin row.

MoneyGeek (1 Aug 2026)

$3,045/yr

$250k dwelling · $125k personal property · $200k liability · $1,000 deductible

National $3,467/yr

Insure.com

$2,945/yr

$300k dwelling · $100k liability · $1,000 deductible

Fetched 15 Aug 2026; no last-updated day on the live page

ValuePenguin ($350k)

$3,408/yr

$350k dwelling · Nashville $3,292/yr on the same page

Fetched 15 Aug 2026; no last-updated day

MoneyGeek city dollars ($250k dwelling only)

Only cities MoneyGeek printed. Nashville is not on that table — ValuePenguin’s $350k Nashville figure is listed separately above.

Swipe or use arrow keys to view all columns.
City	Annual	Source
Knoxville	$2,487	MoneyGeek $250k · 1 Aug 2026
Hendersonville	$2,817	MoneyGeek $250k · 1 Aug 2026
Clarksville	$2,917	MoneyGeek $250k · 1 Aug 2026
Chattanooga	$2,958	MoneyGeek $250k · 1 Aug 2026
Spring Hill	$3,008	MoneyGeek $250k · 1 Aug 2026
Murfreesboro	$3,138	MoneyGeek $250k · 1 Aug 2026
Memphis	$3,582	MoneyGeek $250k · 1 Aug 2026

What moves a Tennessee homeowners premium

East Tennessee (Knoxville, the Tri-Cities) sits below the MoneyGeek statewide average on that $250k table. West Tennessee (Memphis) sits above it. Middle Tennessee — Nashville, the Cumberland basin, Murfreesboro, Clarksville, Franklin — carries hail, tornado, and river-flood exposure the May 2010 flood made obvious. Tennessee has no FORTIFIED mandate.

Carrier comparison lives on /tennessee-home-insurance. Related: home insurance.

Get a real Tennessee home quote

Publisher averages are a starting point. A member of the team will shop appointed carriers for your dwelling, roof, and ZIP. Actual rates depend on your specifics; get a real quote for accurate pricing.

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Sources & References

[1]MoneyGeek. Average Home Insurance Cost in Tennessee (2026). View Source (Accessed Aug 2026)
[2]Insure.com. Average homeowners insurance cost in Tennessee. View Source (Accessed Aug 2026)
[3]ValuePenguin. Best and Cheapest Home Insurance Companies in Tennessee. View Source (Accessed Aug 2026)

Coverage questions and answers

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. Each uses a different sample, so compare them side by side rather than as one number. 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.

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.

How do I get a Tennessee homeowners quote?

Use the quote 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.