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Best Homeowners Insurance in Nashville, TN

Aug. 15, 2019, 8:17 p.m.

Homeowners insurance helps protect your belongings, assets and finances in case of a disaster or accident. Costs in Nashville are similar to the national average and are influenced by location and risk factors, such as severe weather patterns. Our partners at ConsumerAffairs researched the best homeowners insurance in Nashville to help you compare top companies.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. NewsChannel5 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Progressive

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#1 MOST POPULAR
Progressive
Progressive
Features
  • 24/7 service
  • Get quotes online
  • Quote in advance discount
  • New purchase discount
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Location
2742 Old Lebanon Rd.
Nashville, TN 37214
(615) 889-3810
#2
GEICO
GEICO
Features
  • Online claims reporting
  • Online quotes
  • Multi-policy discounts
  • Landlord insurance policy
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Location
14981 Old Hickory Blvd.
Nashville, TN 37211
(615) 376-2969
#3
State Farm
State Farm
Features
  • Visit agent for quote
  • Roofing discounts
  • Multi-policy discounts
  • Manufactured home policy
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Location
345 Harrison St.
Nashville, TN 37219
(615) 826-1200
#4
Allstate Insurance Agent: Royce Williams
Allstate Insurance Agent: Royce Williams
Features
  • Free online quote
  • Comprehensive coverages
  • Discounts
  • Homeowners policy features
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Location
5517 Charlotte Pike
Nashville, TN 37209
(615) 356-4800
#5
Farm Bureau Insurance
Farm Bureau Insurance
Features
  • Property and liability coverages
  • Free online quote
  • Renters coverage
  • Property clause
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Location
5511 Edmondson Pike Ste. 203
Nashville, TN 37211
(615) 834-7681
Shelter Insurance Agent: Bob Bearden
Shelter Insurance Agent: Bob Bearden
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • shelterinsurance.com/CA/agent/BOBBEARDEN
Location
115 Graylynn Dr
Nashville, TN 37214
(615) 884-1411
Affordable Insurance Agency
Affordable Insurance Agency
Features
  • M-F: 9am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • affordableinsurancetn.com
Location
3225 Gallatin Pike
Nashville, TN 37216
(615) 645-1900
Erie Insurance
Erie Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • erieinsurance.com
Location
215 29th Ave. N
Nashville, TN 37203
(615) 321-4150
Country Financial Agent: Bill D Mason
Country Financial Agent: Bill D Mason
Features
  • Hours unavailable
  • representatives.countryfinancial.com/Bill.Mason
Location
4121 Clarksville Pike Ste. 1
Nashville, TN 37218
(615) 299-1456
Mike Fuller Insurance
Mike Fuller Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • mikefullerinsurance.net
Location
Serves residents in
Nashville, TN
(615) 333-0000

How to choose homeowners insurance in Nashville

Nashville skyline

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

Neighborhood Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Downtown (37201) $1,442 $2,610 $3,946
The Gulch (37203) $1,470 $2,654 $3,993
East Nashville (37206) $1,511 $2,723 $4,095
Hillsboro Village (37212) $1,423 $2,576 $3,888
Belle Meade (37205) $1,375 $2,494 $3,783
Sylvan Park (37209) $1,385 $2,513 $3,799
12 South (37204) $1,379 $2,501 $3,791
Note: Based on dwelling coverage amounts above with a constant $1,000 deductible and $100,000 liability.

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.

Progressive

Progressive

Progressive Insurance provides Nashville residents with home insurance plans that can be purchased individually or bundled with other policies. Free quotes are available online. Progressive Insurance has several offices around Nashville for in-person assistance. Progressive’s agents are available to answer your questions and find additional discounts for your policy.

GEICO

GEICO

GEICO is a nationwide insurance company with several agents located in Nashville, TN. GEICO’s Nashville agents offer assistance on choosing and/or bundling home insurance plans. To receive a free quote, visit GEICO’s website or mobile app and input your zip code and home information.

State Farm

State Farm

With 40+ insurance agents in Nashville alone, State Farm Insurance has a large presence in Tennessee. Each agent is able to assist you with your home insurance questions. Ask a State Farm agent about your home’s coverage and liability. Download the State Farm app to manage your policy and find documentation.

Allstate Insurance Agent: Royce Williams

Allstate Insurance Agent: Royce Williams

With 40+ insurance agents in Nashville alone, State Farm Insurance has a large presence in Tennessee. Each agent is able to assist you with your home insurance questions. Ask a State Farm agent about your home’s coverage and liability. Download the State Farm app to manage your policy and find documentation.

Farm Bureau Insurance

Farm Bureau Insurance

Nashville - Edmonson Pike Insurance allows homeowners to bundle their insurance policies with auto and life insurance for additional discounts. The branch operates an office located off of Edmonson Pike. Agents are available to answer your home insurance questions. Their website also offers tips for improving the value and safety of your home.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.