Home insurance in Tennessee
Homeowners, condo, renters, landlord, dwelling fire — plus the flood and umbrella policies that fill the gaps. We shop the carriers that actually want Tennessee risks.
What we cover
Coverage is custom to your situation — these are the typical pieces.
Dwelling (Coverage A)
Rebuild cost of your home. Should reflect replacement cost, not market value — they're not the same in Williamson County.
Other structures (B)
Fences, detached garages, sheds, pools. Usually 10% of dwelling automatically.
Personal property (C)
Your stuff. Special limits apply to jewelry, firearms, electronics — ask us about scheduling high-value items.
Loss of use (D)
Hotel and meal costs while your home is being repaired after a covered loss.
Liability (E)
Someone gets hurt on your property, your dog bites a neighbor, your kid breaks a friend's TV — this responds.
Medical payments (F)
Small no-fault medical coverage for guests. Cheap and useful.
Flood (separate policy)
Not covered by homeowners. NFIP through FEMA or private flood (often cheaper outside high-risk zones).
Umbrella (separate policy)
Extra $1M+ of liability above your auto and home. Cheap insurance against a lawsuit you can't see coming.
What affects your rate
Carriers weigh these differently — that's why shopping multiple matters.
- Replacement cost (square footage, finish level, custom features)
- Year built and major-system updates (roof, electrical, plumbing, HVAC)
- Roof age and material (most carriers cap a 20+ year roof to actual cash value)
- Distance to fire hydrant and responding fire station
- Claims history — yours and the property's (CLUE report)
- Credit-based insurance score
- Pool, trampoline, breed of dog, woodstove
- Deductible — wind/hail deductibles are now percentage-based in most TN counties
Carriers we shop for home
Appointments evolve. The exact list we'll quote you depends on your situation.
Frequently asked
Does homeowners cover tornado damage?
Yes — wind and hail are covered perils on every standard TN homeowners policy. What's NOT covered is flood, and tornadoes often bring both. If you're in an area that's flooded once, get a flood policy.
Do I need a separate sinkhole policy?
It's excluded by default in TN. Some carriers will add it back as an endorsement — particularly relevant in the karst topography of middle TN. We'll check carrier-by-carrier.
I rent — do I really need renters insurance?
Yes. Your landlord's policy covers the building, not your stuff and not your liability. A good renters policy is $15-25/month and includes liability if your kitchen fire damages the unit next door.
Can I get insurance on a fixer-upper?
Usually yes — we place those on dwelling fire (DP-3) policies until you finish renovation, then move to a standard HO-3.
What's an umbrella policy worth?
If your net worth is over $300k or you have teen drivers, a $1M umbrella runs about $200-400/year. Cheapest peace of mind in insurance.