Free Tennessee (TN) home insurance estimate with 2026-specific rates. Calculate your exact home insurance using real Tennessee data.
The average annual home insurance premium in Tennessee is approximately $1,900, or about $158/month. Costs vary by location, home value, construction type, and coverage amounts.
Home insurance rates in Tennessee are influenced by the home's value (median: $290,000), natural disaster risk, construction materials, proximity to fire stations, your claims history, and chosen coverage limits and deductibles.
While Tennessee does not legally require home insurance, mortgage lenders will require it as a condition of your loan. Given the average premium of $1,900/year and median home values of $290,000, it is strongly recommended to protect your investment.