TENNESSEE HOMEOWNERS INSURANCE

What do you call home? Maybe it’s a ranch in the suburbs, a restored farmhouse, or a downtown high-rise. No matter where you live in Tennessee, your home is a special place you want to protect.

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Have more questions?

Get in touch with a Farmers agent in Tennessee

Home Insurance Coverage Options in Tennessee

Farmers builds value into every home policy with:

Declining Deductibles^® — Earn $50 toward your deductible each year.
Claims Free Discount^® — Receive a discount if you’ve been claim-free for three years.
Claim Forgiveness — Your premium won’t increase due to a claim if you’ve been claim-free with Farmers for five years.
Cosmetic Damage Coverage — File a claim for functional damage, and we’ll cover related cosmetic damage as well.

Typical homeowners insurance policies in Tennessee cover damage caused by:

Fire
Vandalism and theft
Windstorms
Hail
Lightning strikes
Explosion
Falling objects
Damage caused by weight of snow or ice

Tennessee home insurance discounts

Farmers^® builds value into every policy — but you may be eligible for even more savings.

We offer a variety of discounts for our home insurance customers based in Tennessee. For example:

Multi-policy

Protective devices

Non-smoker

See a list of potential home insurance discounts. Not all listed discounts are available in Tennessee.

Smart home security that saves

Farmers is working with ADT^™ Security Services to bring you the best of both businesses – ADT industry-leading smart home security, and outstanding coverage with a Farmers home policy. Farmers customers and prospective customers receive special ADT pricing.

View more coverage options in Tennessee

Auto insurance

Find out minimum state requirements for auto insurance in Tennessee, available discounts and more.

View car insurance details and discounts for Tennessee

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Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Spirit Property and Casualty Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA.

Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).

Life insurance issued by Farmers New World Life Insurance Company, a Washington domestic company: 3120 139^th Ave. SE, Ste. 300 Bellevue, WA 98005 (CA#: 0378-0). Farmers New World Life is not licensed and does not solicit or sell in the state of New York.

Securities offered through Farmers Financial Solutions, LLC, (In NY: Farmers Financial Solutions and Insurance Agency), 31051 Agoura Road, Westlake Village, CA 91361. Member FINRA & SIPC

Each insurer has sole financial responsibility for its own insurance. List of all insurers at farmers.com. Not all insurers are authorized in all states. Not all products, coverages, features and discounts are available in every state and may vary by state. Restrictions, exclusions, limits, and conditions apply. See agent for details.