Rates by Tennessee Homeowners Insurance Type

The Great Seal of the State of Tennessee.

When shopping online for Tennessee homeowners insurance quotes you should be aware of the various types of insurance policies that are available in the "The Volunteer State" state.

Did you know that a Homeowners 3 or HO-3 policy is the most common type of homeowers policy? A Tennessee HO-3 policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.

For homeowners living in the south region of the country typically purchase a standard HO-3 policy. For homes that are on the coastal south areas, an additional flood insurance policy is often required. Also, because this area is prone to major wind and thunderstorms, a seperate wind and hail policy is required by some mortgage companies. If your home is on the coast, there is a good chance that you will need additional coverage protection. At GetHomeInsuranceQuotes.com, we can help you compare and review the best coverage type and protection plans.

Do you own a condo? Did you know that a separate policy, called an Homeowners 6 or HO-6 policy is written for all condoowners living in Tennessee. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.

If you are looking for Tennessee renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Tennessee, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Tennessee rates and coverage options.

Review average homeowners insurance premiums in Tennessee per coverage type.

Coverage TypeOverviewRatesCountrywideDifference
DWDwelling Fire Policy - slimmed down version that offers limited coverage, for example: fire and smoke only.$612$857$245
HO-1Basic 'named-perils' like fire, lightning or hail coverage on the home and personal property$785$1149$364
HO-2Broad 'named-perils' coverage on the home and personal property; provides coverage for more perils than HO-1 package.$1145$1110$-35
HO-3Most Common: Provides 'all-risks' coverage on the home, broad named-peril coverage on personal property. Insurance providers against risks of direct loss, except losses specifically stated in the policy, like flood damage.$1090$1095$5
HO-5Provides 'all-risks' coverage on newer homes, more of an upscale policy.$1241$1061$-180
HO-8Older home policy which includes repair cost coverage for the dwelling where the replacement cost exceeds current market value.$845$937$92
TotalTennessee's average including all coverage types$1084$1085$1

Easily Compare Your Own Home Insurance Rates in Tennessee!

Enter your Zip Code:    

Average Rates Per Top 10 Cities in Tennessee

What to find out more information about your city in Tennessee? Please click one of the following cities below to discover more detailed information about homeowners insurance in your area.