Homeowners in Tennessee pay an annual average of $2,470 for homeowners insurance with $300,000 in dwelling coverage. This is about 4% higher than the national average of $2,377 for the same amount of dwelling coverage. You want to make sure you have the right coverage to protect your home from severe weather, especially in a state like Tennessee, where floods and tornadoes are common.[1] · Here’s what you need to know about comparing quotes and finding home insurance in Tennessee.
Insurance company, Annual home insurance cost ; Texas Farm Bureau, $927 ; Mercury, $979 ; Kemper, $1,055
Nashville homeowners pay an average of $2,324 per year for $300,000 in coverage with a $1,000 deductible. This is slightly lower than the state average of $2,470 and the national average of $2,377. Major risks to homeowners in the state of Tennessee include tornadoes, earthquakes, and flooding. Insurance companies may cover some property damage associated with tornadoes. But if you want protection against earthquakes and flooding, you’ll likely need to purchase an add-on policy. Here’s what ...
Feature, ERIE's Base Policy, Typical Competitor Policy ; 100% Guaranteed Replacement Cost, Better True guaranteed replacement cost, Limited Extended coverage with limits and qualifiers ; Personal Property Coverage, Better Extensive coverage, fewer exclusions, Limited Fewer covered incidents, more exclusions ; Theft, Better Coverage includes lost or misplaced items, Limited Fewer items covered, more exclusions ; Coverage for Valuables, Better Ample limits for jewelry, watches, precious stones, and firearms, Limited Lower limits for theft only ; Gift Card and Gift Certificate Reimbursement Coverage, Better Coverage includes reimbursement for gift cards purchased at a local business that has permanently closed, Maybe Typically not covered (or restricted if covered) ; Animals, Birds and Fish, Better Covered to $500, Maybe Typically no covered (or restricted if covered) ; Cash and Precious Metals, Better Covered to $500, Inadequate Covered, but less than 50% of ERIE's dollar value ; Coverage for Hard-to-Replace Items, Better Covered items include accounts, bills, deeds, passports, etc., Limited Restrictive list of covered items, with significantly lower dollar limits
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