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Tennessee is bursting with regional cultural hubs that have evolved into national icons. Maybe that's why there's a steady stream of people flocking to live in the Volunteer State. Whether you're a new face exploring Nashville's vibrant downtown streets or a long time resident and BBQ enjoyer in Memphis, it's important to protect your home for the long run.

Keep yours safe with flexible, reliable homeowners insurance from Nationwide. Our members can also save with our homeowners insurance discounts. Learn more about our homeowners insurance offerings in Tennessee, or sign up for an insurance quote today.

Tennessee homeowners coverages and discounts

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

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Repair or replace your covered possessions, regardless of age or condition.

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Making your policy more affordable.

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Bundle your insurance policies and save money

Live music, BBQ and savings  - three things any Tennessean can get behind. Want to know how to get more of the latter? Bundle your coverages. You can save up to 20 percent when you bundle your home and auto insurance with Nationwide. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Tennessee has to offer.

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What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Save up to 20% when you bundle home and car insurance with Nationwide.
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Call 1-888-869-5727

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Get a free Tennessee homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Tennessee homeowners insurance quote today.

Nationwide coverage in Tennessee

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.