Nashville, TN Homeowners Insurance Quotes (2024)

Nashville, TN Homeowners Insurance

Nashville has a history richly steeped in tradition and is best known as “Music City” and the home of country music. There are plenty of attractions and activities to keep both visitors and residents entertained. Nashville lies on the beautiful Cumberland River where steamboats can be seen making their voyages up and down the river.

As beautiful as Nashville is, it also has its share of natural disasters to deal with, including flooding and tornadoes. The best way Nashville homeowners can protect their home and property investments is through homeowners insurance. The price of a homeowners insurance policy will vary depending on the age and condition of your home, how much coverage you need, crime in your neighborhood, protective devices you have installed, and other factors.

There are so many home insurers out there, and choosing the right one can be confusing. Insurify can simplify the process and help Nashville homeowners find the best homeowners insurance possible. We make it easy!

Read on for a complete guide to protecting your home and property in Music City.

Cheapest Home Insurance Companies in Nashville

For homeowners in Nashville, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for your home.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Nashville. The following are the best insurance rates from carriers that offer homeowners insurance in Nashville.

How to Find Cheap Home Insurance in Nashville

Buying a home is probably one of the largest financial investments you and your family will ever make. That’s why protecting your investment is so important. Any financial investment comes with a certain amount of risk, including buying a home. However, there are steps you can take to minimize your risk and protect your investment.

You can compare home insurance quotes with Insurify from multiple companies all at one time. You can get a home insurance quote based on your unique insurance needs, including the amount of dwelling coverage you need, personal liability coverage, and the deductible you want.

Wondering what you can do to lower the cost of Nashville home insurance? There are a few ways you can cut costs. Try bundling home and auto insurance together. That should qualify you for a discount. You can also install protective devices in your home or go with a higher deductible to save even more money. Of course, money isn’t everything when it comes to home insurance. You want the best value, which means comprehensive coverage at the least expensive price.

Cheapest Home Insurance in Nashville by Company

Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in. Our free home insurance comparison tool allows you to find the best policy for the best rate fast. And your information stays private and protected.

As of 2021, the average home insurance premium in Nashville costs $2,039 annually, and the median home value is $289,142.

Home insurance is not cheap. Sometimes it seems like there’s not enough paycheck left to provide for you and your family.

Average Annual Home Insurance Premium in Nashville by Company

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

Cheapest ZIP Codes in Nashville for Home Insurance

Property costs and home insurance values vary depending on your location. Home insurance costs can vary depending on geographic variables, such as the crime rates in your neighborhood, the number of claims filed from your specific ZIP code, and the likelihood of natural disasters.

The price of home insurance in Nashville can be relatively high or low compared to the national average, depending on your locality.

Home Insurance Coverage Types in Nashville

There are several types of home insurance. Specific terms of insurance policies may vary by city, but in general, the standard policy types are as follows:

Tornado Damage and Home Insurance in Nashville

In March 2020, Nashville citizens were devastated by a tornado that was a part of a two-day tornado outbreak. It affected West and Middle Tennessee and became the sixth costliest tornado outbreak to ever hit the US. Twenty-five people were killed during the tornado outbreak, and damages to homes and property totaled $1.6 billion.

Homeowners insurance covers wind damage to homes and properties caused by a tornado and can help pay to repair damages or rebuild your home. You can’t predict the weather and know when there will be a tornado outbreak. No one has a crystal ball. What you can do is make sure you are protected against natural disasters and storm damage by comparing homeowners insurance quotes with Insurify.

Flood Insurance in Nashville

Nashville is no stranger to flooding. Heavy rainfall from storm systems can cause rivers to overflow their banks. When this happens, homeowners can experience devastating home and property losses. The 2010 Nashville flood caused 26 fatalities, and over $2 billion of damages were reported in the Nashville metro area.

Homeowners insurance doesn’t cover floods. If you want flood coverage, you’ll have to purchase a separate policy provided by the National Flood Insurance Program (NFIP). The good news is the NFIP has approved certain agents to provide flood insurance, so it shouldn’t be difficult to find. A flood policy can help you pay for any losses to your home and property due to flood damage.