Find the Best Homeowners Insurance in Nashville, TN

How to choose homeowners insurance in Nashville

Compared to the national average ($1,083), you can expect to pay slightly more for home insurance in Nashville neighborhoods including East Nashville and Belle Meade. Tennessee is ranked as the 33rd most expensive state for homeowners insurance.

Average home insurance rates in Nashville

Fortunately, Nashville homeowners are able to receive discounts on their home insurance. Among the best ways to lower your rate is to bundle your home insurance and car insurance with the same provider. You can also receive discounts for adding safety upgrades to your home, such as new smoke alarms and a security system.

While Tennessee does not legally require homeowners to purchase insurance, your mortgage lender will—unless you pay for the home outright in cash. Purchasing homeowners insurance in Nashville is a good idea, as tornados and strong seasonal storms are prevalent in this area.

Homeowners insurance in Nashville covers damage from fire, strong storms such as tornadoes, theft and hail. Tennessee law also requires home insurance companies to cover any damages caused by sinkholes. Your home insurance policy covers you up to the deductible and liability amount you select. You can change these amounts at any time.

In Nashville, floods, earthquakes, mudslides and other rare occurrences are not covered. You can add this high-risk coverage to your home insurance policy for an additional cost. Those who live near the Harpeth River, Mill Creek, Richland Creek, Gibson Creek or Whites Creek should consider including flood insurance in their policy.

Several Nashville homes in residential neighborhoods such as East Nashville, Green Hills and Belle Meade have inground and above ground pools. If you purchase a home with a pool, you are responsible for injuries that occur there. Add-on liability coverage from your home insurance policy will protect you from this risk.