Best and Cheapest Homeowners Insurance in Tennessee for 2025 (Save With These 10 Companies)

USAA, State Farm, and Geico are the best and cheapest homeowners insurance companies in Tennessee, providing affordable rates and outstanding coverage options.

USAA premiums begin at $24/month and are best for military families with the biggest savings and perks. State Farm and Geico offer solid coverage and a range of discounts. Read on for “Things to Know About Home Insurance,” including types of coverage, deductible options, and how discounts can affect your premiums.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$18	A++	Superior Benefits	USAA
	#2	$22	B	Reliable Coverage	State Farm
	#3	$24	A++	Affordable Rates	Geico
	#4	$27	A	Comprehensive Options	Farmers
	#5	$28	A++	Extensive Discounts	Travelers
	#6	$29	A+	Flexible Pricing	Progressive
	#7	$32	A	Customer Loyalty	American Family
	#8	$33	A	Customizable Policies	Liberty Mutual
	#9	$37	A+	Innovative Programs	Nationwide
	#10	$45	A+	Technology Integration	Allstate

Comparing these providers will help you get the right balance of cost and coverage for your home and save money while protecting your biggest lifetime investment with a plan that fits your unique needs and priorities. Taking this care gives peace of mind that your home is protected.

You can ask for help to avoid costly home insurance premiums. Find affordable, complete coverage for your home today — Enter your ZIP code.

What You Should Know

• USAA provides unrivaled military family advantages with rates as low as $24/month
• Compare plans to find the best affordable homeowners insurance in Tennessee
• Shop around for the best and cheapest homeowners insurance in Tennessee

#1 – USAA: Top Overall Pick

Pros

• Exceptional Service: Top-rated customer service gives Tennessee policyholders peace of mind during the home insurance claims process.
• Exclusive Military Benefits: As a military-focused company, USAA provides military families with exclusive perks that meet their unique homeowners insurance needs in Tennessee.
• Top-Tier Reliability: With an A++ financial rating, USAA is one of the safest bets in Tennessee homeowners insurance. See our USAA review for details.

Cons

• Eligibility Limitations: USAA homeowners insurance is designed for military members and their families, not the general public.
• Limited Policy Variety: While excellent for military families, USAA may lack the diverse options available with other homeowners insurance in Tennessee providers.

#2 – State Farm: Best for Reliable Coverage

Pros

• Widespread Presence: With a large network of agents, State Farm makes it easy to access personalized guidance for homeowners insurance in Tennessee. Read our State Farm review for more.
• Smooth Claims Process: The company has developed a good reputation for its claims service, assisting Tennessee policyholders quickly.
• Flexible Coverage Options: Tennessee homeowners insurance providers offer an array of options so that you can select the policy that best matches your lifestyle and preference.

Cons

• Lower Financial Rating: Compared to competitors, State Farm’s B rating might raise concerns about long-term financial strength for homeowners insurance in Tennessee.
• Limited Discounts: State Farm doesn’t offer as many savings opportunities as some other homeowners insurance in Tennessee companies.

#3 – Geico: Best for Affordable Rates

Pros

• Budget-Friendly Options: For Tennessee homeowners insurance that is economical, Geico is the solution and a good option for price-conscious buyers.
• User-Friendly Technology: An intuitive app and website make it easy to manage your homeowners insurance in Tennessee policy with Geico.
• Strong Stability: Highlighted by its A++ rating, signifies its dependability for Tennessee home insurance—for more information, read "Save Money on Homeowners Insurance & Prevent Claims.

Cons

• Third-Party Underwriting: Geico often relies on partners to provide coverage, which can complicate claims for homeowners insurance in Tennessee.
• Basic Coverage Features:The base options wouldn't be as rich as some of the competition in Tennessee homeowners insurance.

#4 – Farmers: Best for Comprehensive Options

Pros

• Comprehensive Protection: Farmers provides a wide range of policy options, so you know homeowners insurance in Tennessee can meet a variety of needs. Find more in our Farmers review.
• Agent Expertise: Agents who have experience in the home insurance field are willing to think out of the box, which means customers have added assurance that they are being provided the best homeowners insurance in Tennessee.
• Solid Financial Performance: Farmers receives an excellent A, highlighting the company's demonstrated reliability and financial strength to meet claims made in Tennessee.

Cons

• Higher Costs for Extras: Tennessee home insurance has several options for add-ons, which can add up quickly in terms of premiums.
• Inconsistent Discount Availability: Not all customers qualify for discounts, limiting cost-saving opportunities in Tennessee.

#5 – Travelers: Best for Extensive Discounts

Pros

• Generous Discounts: Travelers provides all sorts of discounts that can help get affordable homeowners insurance in Tennessee.
• Financially Secure: Travelers boasts an A++ rating, giving policyholders the confidence that its coverage will be available when you need it.
• Adaptable Policies: Their policies are completely customizable according to your homeowner insurance in TN needs. Find the full list in our Travelers review.

Cons

• Complicated Discount Requirements: Certain discounts have rigid criteria, which can be challenging to meet in order to receive credits on homeowners insurance in Tennessee.
• Mixed Service Feedback: Some customers have reported delays in claims processing, which can be a drawback for homeowners in Tennessee.

#6 – Progressive: Best for Flexible Pricing

Pros

• Adjustable Premiums: Progressive’s adjustable pricing gives Tennessee homeowners insurance customers the opportunity to find coverage that suits their budget.
• Convenient Digital Access: The downside to dealing with a company like Progressive is that you never actually get to visit a physical office. Read our review of Progressive for full details.
• Reliable Financial Rating: With an A+ rating, Progressive offers solid assurance for homeowners insurance in Tennessee claims.

Cons

• Fewer Coverage Options: Progressive may not offer as many specialized policies as other homeowners insurance in Tennessee companies.
• Third-Party Providers: Some policies are handled by partner insurers, which could complicate claims or support processes in Tennessee.

#7 – American Family: Best for Customer Loyalty

Pros

• Loyalty Benefits: American Family has some of the best homeowners insurance in Tennessee when it comes to facilitating long-time customers.
• Customizable Plans: Customers have the flexibility to customize their policy to suit their requirements for complete homeowners insurance in Tennessee.
• Dedicated Support: Their network of agents offers one-on-one help for their customers to navigate their homeowners insurance in Tennessee. Explore our American Family review.

Cons

• Limited Nationwide Coverage: American Family may not be the best fit for those planning to move outside its service areas while maintaining their homeowners insurance in Tennessee.
• Higher Costs for Personalization: If coverage is customized, this could result in higher premiums, not plausible for the budget-minded homeowner in Tennessee.

#8 – Liberty Mutual: Best for Customizable Policies

Pros

• Flexible Policy Options: Liberty Mutual allows homeowners to create customized homeowners insurance in Tennessee policies tailored to their unique needs.
• Additional Coverage Choices: Unique add-ons, such as inflation protection and equipment breakdown coverage, make its Tennessee homeowners insurance offerings stand out.
• Financial Stability: An A rating means that Liberty Mutual is a reliable option for homeowners insurance in Tennessee. See our Liberty Mutual review for more.

Cons

• Fewer Discount Opportunities: Liberty Mutual may not offer as many savings programs as other homeowners insurance in Tennessee providers.
• Premium Costs: Their starting premiums tend to be on the higher side, which might deter price-sensitive homeowners in Tennessee.

#9 – Nationwide: Best for Innovative Programs

Pros

• Innovative Features: Nationwide is an ideal choice for homeowners coverage in Tennessee because of its initiatives like the SmartHome program.
• Solid Financial Backing: With an A+ rating, Nationwide ensures stability for its policyholders in Tennessee.
• Broad Policy Range: Nationwide offers extensive coverage options to meet diverse needs for homeowners insurance in Tennessee. Get details in our Nationwide review.

Cons

• Limited Local Support: Nationwide may not have as many agents in smaller Tennessee communities, which could affect personalized service.
• Complex Discount Rules: Qualifying for discounts might require meeting stringent criteria, which could limit savings opportunities for homeowners insurance in Tennessee.

#10 – Allstate: Best for Technology Integration

Pros

• Technology Integration: Allstate’s innovative tech resources, such as the Digital Locker app, make it easy to manage homeowners insurance in Tennessee policies.
• Widespread Agent Network: Allstate has thousands of agents who are able to guide Tennessee homeowners through the home cover landscape. Discover details in our Allstate review.
• Strong Financial Foundation: An A+ rating indicates that Allstate is trustworthy and capable of paying out claims quickly, so it's a good option if you're looking for homeowners insurance in Tennessee.

Cons

• Higher Base Premiums: Allstate base rates can be higher, making it not-as-competitive, particularly for TN homeowners policies.
• Limited Discount Variety: While innovative, Allstate’s savings options might not be as plentiful as other providers offering homeowners insurance in Tennessee.

Affordable Homeowners Insurance in Tennessee

For those in search of a reliable and relatively inexpensive homeowners insurance provider in Tennessee. This monthly breakdown details the best companies to be the minimum coverage and the full coverage as well as at the best rates so you can make an educated decision.

Insurance Company	Minimum Coverage	Full Coverage
	$45	$144
	$32	$102
	$27	$86
	$24	$78
	$33	$184
	$37	$118
	$29	$92
	$22	$72
	$28	$88
	$18	$58

If budget insurance or all-in-one coverage is what you need, these are the best and cheapest insurers for you. Shopping for the best and cheapest homeowners insurance in Tennessee doesn’t have to be hard work.

Minimum Coverage MI rates for minimum coverage with providers like USAA can be as low as $18/month, while State Farm can have full coverage for something like $72/month. For more information, read our a practical guide for understanding homeowners insurance for tips on the choices you should really be making.

Best Savings on Tennessee Homeowners Insurance

If you were looking for the cheapest and best homeowners insurance in Tennessee, knowing the discounts available can help you save a lot of money. Whether it’s bundling policies or usage-based discounts, top insurers have a range of ways to reduce your premiums.

We've rounded up some of the best insurance companies along with their key features and discounts you can use to save as much money as possible while getting the coverage that you need.

Insurance Company	Available Discount
	Bundling, Multi-vehicle, Safe Driver, Good Student, Anti-theft, Defensive Driving, Drivewise (Telematics)
	Bundling, Multi-vehicle, Safe Driver, Good Student, Defensive Driving, Loyalty, Early-bird
	Bundling, Multi-vehicle, Safe Driver, Good Student, Signal App Discount, Senior Defensive Driving
	Bundling, Multi-vehicle, Good Driver, Good Student, Defensive Driving, Anti-theft, New Vehicle
	Bundling, Multi-vehicle, Good Driver, Good Student, Hybrid Vehicle, Accident-Free, Telematics
	Bundling, Multi-vehicle, Good Driver, Good Student, SmartRide (Usage-based), Accident-Free
	Bundling, Multi-vehicle, Safe Driver, Good Student, Snapshot (Usage-based), Homeowner
	Multi-policy, Safe Driver, Good Student, Defensive Driving, Anti-theft, Accident-Free
	Multi-policy, Safe Driver, Good Student, Hybrid Vehicle, Continuous Insurance, Homeownership
	Bundling, Multi-vehicle, Safe Driver, Good Student, Defensive Driving, Vehicle Storage, New Vehicle

It doesn’t have to be overwhelming to choose the right homeowners insurance. Thanks to so many discounts, finding a policy that suits your needs and your budget is simpler than ever. And with possibilities like bundling, safe-driving programs, loyalty discounts, and usage-based policies, you can enjoy low premiums while maintaining coverage.

Discount Name	Grade	Savings	Participating Providers
Multi-Policy Discount	A	20%	State Farm, Allstate, Nationwide
Security Systems	A	15%	USAA, Farmers, Liberty Mutual
Claims-Free Discount	B	10%	Geico, Travelers, Progressive
Bundling Discounts	C	8%	Shelter, American Family
Senior Discounts	D	5%	AARP, MetLife

If you would like to save even more on your homeowners insurance, remember to check out Top 5 Ways to Save On Your Homeowners Insurance Premium and get yourself rewarded by combining policies, security systems, and a claim-less life. You can get complete coverage for your home without breaking the bank if you are proactive and knowledgeable.

Choosing the Right Homeowners Insurance

Knowing the most common homeowners insurance claims, their costs, and how they vary based on where you live is key to choosing the right homeowners insurance policy for you. This overview focuses on claim types including wind and hail or fire and lightning, their monetary impact, and risks specific to each city.

Claim Type	Portion of Claims	Cost per Claim
Wind and Hail	35%	$12000
Water Damage	25%	$10500
Fire and Lightning	20%	$78000
Theft	10%	$4500
Liability Claims	10%	$22000

And have insights into premium affordability, claims processing, and customer service to paint a clearer picture of your options. And keep in mind that home improvement projects and your homeowners insurance policy might cross paths, and it’s important that you’re covered.

City	Accidents per Year	Claims per Year
Chattanooga	1,500	1,200
Clarksville	1,200	1,000
Knoxville	1,800	1,400
Memphis	2,900	2,200
Nashville	3,200	2,500

Homeowners insurance is an important safeguard for your home and finances — but you can’t just shop based on price to find the best policy. With knowledge about common claims, regional risks, and provider performance in hand, you’re better equipped to shop for the coverage that’s right for you.

Category	Grade	Explanation
Premium Affordability	A	Among the lowest in the Southeast
Claims Processing	A	Quick and efficient
Customer Service	B	Good support but room for growth
Coverage Options	B	Comprehensive but limited addons
Policy Flexibility	C	Lacks customization options

You also want to consider what home improvement projects might mean for your policy since they could increase or change your coverage needs. Thus, one adjustment you can make is to stay updated and act to get a policy that offers you maximum protection and adapts to future changes so that you can have peace of mind and financial stability.

Finding the Best Homeowners Insurance in Tennessee

Your ideal homeowners insurance Tennessee is available by evaluating different metrics, from understanding Tennessee homeowners insurance rates to comparing various homeowners insurance quotes Tennessee.

If the cheapest home insurance Tennessee is your top priority, diligent research is essential. For those living in Nashville, specialized homeowners insurance Nashville providers can help, while also determining the best home insurance companies in Tennessee for dependability.

It’s important to know the homeowners insurance Tennessee average cost and identify who has the best homeowners insurance rates in Tennessee to secure the coverage you need.

With so many home insurance Tennessee plans out there, comparing home insurance quotes Tennessee ensures you find the right policy for your home and budget. Additionally, learning about the Top 5 Consumer Homeowners Insurance Complaints can help you avoid common pitfalls and select a trustworthy provider.

Smart Choices for Home Insurance

You can read about how we grade providers for service and claims in AMP. Getting homeowners insurance in Tennessee is a balancing act where you weigh cost, options, and the reliability of your provider. The best and most affordable in the state are companies including USAA, State Farm, and Geico.

It is possible to find a policy that meets your needs and fits your budget by comparing quotes, identifying your coverage needs, and looking for available discounts. Information about the Top 10 states with the happiest and least happy homeowners insurance policyholders can also inform decision-making as you choose a provider.

Offering everything from budget-conscious homeowners to those looking for full coverage with bundling options and loyalty discounts, you'll find it all here. So spend time considering your options, doing your research, and asking the right questions to bubble-proof your largest investment — your home. The right insurance policy is safeguarding your property; it’s safeguarding your finances, so you can look at the future without worry.

Affordable coverage is just a ZIP code away — don’t wait until it’s too late — enter yours into our free home insurance comparison tool today.