Seguro de viviendas en Tennessee

Protect Your Home With TN Homeowners Insurance

Tennessee homeowners insuranceTennessee weather can be unpredictable. From tornadoes to thunderstorms to flash flooding, disaster can strike unexpectedly. When it does, it’s important to have good homeowners insurance. Tennessee homes can suffer great damage from disasters like these, but with the right coverage, you can have peace of mind to know you’re covered no matter what happens.  
At The Hartford, we’ve been helping homeowners in the Volunteer State protect their homes against common risks like property damage and theft for over 200 years. With our TN seguro de viviendas, you can get the coverage you need, no matter where you live. From Nashville to Memphis to Knoxville to Chattanooga to Clarksville – we’ve got you covered.

Top TN Homeowners Insurance Coverages

Our Tennessee homeowners insurance comes with standard coverages, including:
La cobertura de vivienda to help protect your home and its attached structures. For example, if a tree falls on your roof during a storm, your Tennessee home policy can help cover your repair costs, up to your dwelling coverage limits.
La cobertura por responsabilidad civil which helps protect you if someone sues you and claims you’re responsible for their bodily injury or property damage. For example, if you’re cutting down a tree branch and it lands on your neighbor’s roof, this coverage can help with their repair costs.
La cobertura de propiedad personal for help fixing or replacing damaged or destroyed belongings after a covered loss. For instance, if a fire damages your furniture, this coverage can help pay for the repair costs.
Other structures coverage to help cover your repair costs if buildings that are not attached to your home get damaged. For example, if someone loses control of their car and crashes into your fence, this coverage can help pay to have it fixed.
Medical payments coverage helps cover a person’s treatment costs if they get hurt on your property. So, if your friend trips down your stairs and hurts their leg, this coverage can help cover their medical bills.2
Loss of use coverage, which helps cover your living expenses if you can’t live in your home because of damages.** If frozen pipes burst and damage your walls, causing your home to be unlivable during repairs, this coverage can help pay your hotel fees.

Additional Tennessee Homeowner Insurance Coverages

When it comes to home insurance, Tennessee residents have unique needs. You may want to add more coverage to your home policy to increase your protection level. Fortunately, we make it easy for you to customize your homeowners policy. The following additional coverages are also available to Tennessee residents:
“New for Old” Protectionto help replace your destroyed possessions with brand new ones of the same quality.
Personal injury liability coverage, which helps cover damages from a libel or slander claim.
Identity fraud expense coverage to reimburse up to $25,000 of your out-of-pocket expenses, up to certain limits (see your policy for limits), if you’re a victim of fraud or identity theft.
Reimbursement for replacing locks if your keys get lost or stolen.
Disappearing Property Deductible,‡‡ which lowers your deductible each year when you go three consecutive years with a clean claims history.
Valuable items blanket to increase coverage limits on your jewelry and silverware to $10,000 per item.
Homeowners equipment breakdown coverage, which helps cover your costs to repair or replace home systems like heating and air conditioning after an electrical or mechanical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that coverage does not protect against normal wear and tear.4
Enhanced identity fraud expense coverage covers up to $50,000 of your out-of-pocket expenses if you’re a victim of identity fraud.

Floods, Earthquakes and Tennessee Homeowners Insurance

TN homeowners insuranceEvery state has some risk of earthquake damage.3 In fact, about 90% of us live in areas that have earthquakes.4 However, damages caused by earthquakes are not typically covered in a standard insurance policy. So, without the right coverage, if an earthquake damages your home, your Tennessee home insurance company won’t cover your insurance claims.
The same applies to flood damage. Tennessee residents can see their share of heavy rainfall. In fact, during the 2010 flood, record-breaking rainfall during back-to-back days led to flash floods and billions of dollars in property damage.5 Flood damage isn’t included in standard TN homeowners insurance coverages but you can buy it separately. Contact your local agent or get an online quote to find out how you can get earthquake or flood insurance.

What Is the Average Cost of Homeowners Insurance in Tennessee?

According to the Insurance Information Institute (III), the average cost of homeowners insurance in Tennessee is close to the national average. Take a look at the chart below to see how the average homeowners insurance cost has changed over the years:
Año Tennessee Avg. Homeowners Insurance Cost National Avg. Homeowners Insurance Cost
2018 $1,232 $1,249
2017 $1,196 $1,211
2016 $1,185 $1,192
When it comes to homeowners insurance, Tennessee residents likely pay different homeowners insurance rates. Your specific cost of homeowners insurance depends on different factors, like your geographic location, coverage levels or picking a higher deductible. For example, if you live in an area with a higher risk of natural disasters, home insurance companies may charge you a higher rate. Additionally, choosing coverage with higher compensation may impact your cost.

Tennessee Homeowners Insurance Discounts

If you bundle your Tennessee homeowners insurance with a car insurance policy from The Hartford, you can qualify for a discount. You can save up to 12% on auto insurance and up to 20% on homeowners insurance in TN when you combinar el seguro coverage.** Our customers save an average of $813 a year when they bundle their home and auto policies.**
Obtenga una home insurance quote today to find out how much you’ll have to pay to protect your home. And remember, not all home insurance companies are the same. At The Hartford, we’re the only insurance company endorsed by the AARP® and our claims team regularly receives high ratings for customer service.* Discover the difference for yourself and see what discounts you qualify for by calling our specialists at 877-422-2345.
Última actualización: 3 de abril de 2024
Medical payments are calculated on the basis of usual, customary and reasonable charges.
3,4 Tennessee Department of Commerce & Insurance, “A Consumer’s Guide to Earthquake Insurance”
5 National Weather Service, "May 2010 Flood”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.