Tennessee Home Insurance
Protect your most valuable asset with home insurance
Your home is not just a place; it's your most valuable asset. We're here to help you protect your investment and provide you with the peace of mind you deserve.
How does homeowners insurance work in Tennessee?
Insurance for your house may cover the cost of repairing or replacing parts that have been damaged by certain hazards such as fire, vandalism, or storms. Home insurance policies can cover the physical structure of your house and other structures on your property, along with your personal property and liability protection. Types of perils that typically aren’t covered are earthquakes and floods.
What can homeowners insurance cover?
The structure of your home. Our agents use the latest tools to help determine the coverage and policy needs of your home.
Your personal possessions. Most homeowners insurance policies can provide coverage for your personal possessions.
Additional living expenses after a disaster. If you’re required to live away from home when a covered loss makes your home uninhabitable, your temporary increased cost of living may be covered.
Liability to others. This part of your policy can provide coverage for you against lawsuits for bodily injury or property damage for which you are legally liable. It may pay for both the cost of defending you in court and for any damages a court rules you must pay, up to the limit of liability. You should purchase enough liability insurance to protect your assets.
Why do I need homeowners insurance?
It may be a requirement. Most mortgage lenders will require homeowners to provide proof that their home is satisfactorily insured in order to protect the lender’s investment in case the house is damaged or destroyed.
It protects more than just your house. Homeowners insurance coverage options may extend to more than just your physical house. It can include coverage for your deck, garage, personal property, property damage to another's property (subject to your contract), and if a guest is injured at your home.
How much personal property coverage do I need?
To determine the coverage needed to protect your personal property, you’ll need to conduct a home inventory. This is a detailed list of everything you own and information related to the cost to replace these items if they were stolen or destroyed by a disaster such as a fire.
*There may be limits on how much coverage is provided for certain items such as jewelry, silverware, furs, and guns. Your agent will be able to advise you on how to obtain additional coverage if needed.
Other types of Tennessee homeowner and property insurance
Our local insurance agents are here to help you determine the best options for insuring your property.
Farm insurance
Condo insurance
Manufactured or mobile home insurance
Rental property insurance
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Common questions about home insurance
What can home insurance cover?
Home insurance may cover several key areas:
Dwelling coverage for your home's structure.
Personal property coverage for your belongings.
Liability coverage in case of injuries or damage to others on your property (subject to your contract).
Increased cost of living expenses when a covered loss makes your home uninhabitable.
Other structures on your property, like a garage or shed.
How much is home insurance in Tennessee?
The cost of home insurance in Tennessee varies based on factors like your location, the value of your home, and the coverage you choose.
What is hazard insurance for a home?
Hazard insurance for a home is a component of your home insurance policy that specifically protects against damages caused by specific hazards, such as fire, lightning, windstorms, and other perils. It is often included in standard home insurance policies.
How much renters insurance do I need?
To determine the amount of renters insurance you need, make a list of your personal property and its value. While basic policies can be similar, no two are exactly the same, and understanding what you’re getting, and what you’re not, is important. Your Farm Bureau Insurance agent can help guide you in determining how much renters coverage you need.
Not sure what kind of homeowners insurance coverage you need?
Speak with a local agent today to discuss what kind of coverage Farm Bureau Insurance can offer you.
