5 Best Nashville Homeowners Insurance Companies (2025)
Westfield, Allstate, and Auto-Owners offer some of the best homeowners insurance policies in Nashville.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
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Edited byElena Stratoberdha
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Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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Table of contents
Nashville homeowners pay an average of $2,676 per year for $300,000 in coverage with a $1,000 deductible. This is slightly higher than the national average of $2,532 for the same coverage.
Major risks to homeowners in the state of Tennessee include tornadoes, earthquakes, and flooding. Insurance companies may cover some property damage associated with tornadoes. But if you want protection against earthquakes and flooding, you’ll likely need to purchase an add-on policy.
Here’s what you should know about comparing home insurance quotes and finding coverage in Music City.
Quick Facts
Westfield, Allstate, and Auto-Owners offer some of the cheapest home insurance in Nashville.
Tennessee sees an average of 31 tornadoes per year.[1]
Western Tennessee is situated in the New Madrid Seismic Zone (NMSZ), putting residents at a higher risk for earthquakes.
Best home insurance companies in Nashville
Nashville homeowners have access to many quality home insurance companies. Each insurance company uses a different calculation to determine monthly premiums. The company that’s right for you will depend on your unique situation, needs, and budget.
As you start your search for home insurance, you can begin with the following five insurers, which are some of the best home insurance companies in Nashville.
Cheap rates: Westfield
cheap rates
Westfield
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $117/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $155/mo |
Nashville homeowners looking for the best coverage rates can check out Westfield. This regional insurance company was founded in 1848 and is based in Ohio. It offers a variety of insurance products, including condo, auto, business, and renters insurance.
Westfield provides home insurance products for condos, renters, and high-value homes. You can also buy additional coverage options, including flood insurance, which is useful for Nashville homeowners who live in higher-flood-risk areas.
Pros
Low home insurance rates
Long company history
Cons
No online quotes
No discounts listed on its website
Best insurer for flood insurance: Allstate
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $125/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $169/mo |
More than 90 years ago, Allstate got its start as an auto insurance company. Today, it’s expanded its offerings to include property, business, and life insurance.
Nashville homeowners who live in higher-risk flood areas can take advantage of Allstate’s flood insurance options. Homeowners can purchase a policy online from Beyond Floods through National General, which is an Allstate company. You can also purchase a policy through an Allstate agent for the National Flood Insurance Program (NFIP).
Pros
Offers coverage for home-sharing through the HostAdvantage program
Online quotes available
Cons
Below-average J.D. Power customer satisfaction rating
Below-average J.D. Power claims satisfaction rating
Best insurer for replacement cost coverage: Erie
Erie InsuranceCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $272/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $385/mo |
Erie insurance covers 12 states, including Tennessee. The company got its start in 1925 in auto insurance. Today, Erie has expanded to provide home, life, and business insurance.
With Erie, you can get a policy with guaranteed replacement cost coverage. This means you have coverage to rebuild your home to its previous size and specifications. If a tornado or earthquake seriously damages your home, you can have peace of mind knowing that you have enough coverage to rebuild from the ground up.
Pros
A+ (Superior) AM Best financial strength rating
Top J.D. Power customer satisfaction rating
Cons
No online quotes; must speak to an insurance agent
Available in only 12 states
Best insurer for mortgage-free homeowners: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $197/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $276/mo |
Auto-Owners was established in 1916 with headquarters in Michigan. Today, it offers a range of insurance products, including life, business, motorcycle, condo insurance, and rental property insurance.
Eligible Nashville owners without a mortgage or line of credit can take advantage of the Auto-Owners mortgage-free discount. Even if you have a mortgage, you’re still in luck. Auto-Owners offers a wide range of discounts, including ones for homes with automatic backup generators and whole-home water shut-off systems.
Pros
National Association of Insurance Commissioners (NAIC) Complaint Index is below the national average
Large selection of policy discounts
Cons
Doesn’t offer wind mitigation discounts in Tennessee
No online quotes; must speak to an independent insurance agent
Best insurer for discounts: Travelers
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $168/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $264/mo |
Travelers is a solid insurer that represents nearly 5% of the home insurance market. While it offers generally affordable premiums, Travelers is a great fit for Nashville homeowners seeking discounts. Travelers offers a variety of discounts, including ones for bundling, new homebuyers, and installing security features.
Homeowners looking for additional coverage — such as flood, personal property, or umbrella coverage — can also turn to Travelers.
Pros
Discount available for having a certified green home
Highly customizable with riders such as personal property coverage, and additional replacement cost coverage
Claims filing available through Travelers app or online
Cons
Fewer discounts compared to other home insurers
Conflicting customer service ratings may indicate uneven customer service
Rates tend to be higher than other competitors
Our editorial team analyzed regional and national home insurance companies that sell policies in Nashville to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Nashville?
The average cost of homeowners insurance in Nashville is $2,676 per year, or $223 per month, for a policy with $300,000 in dwelling insurance and a $1,000 deductible. This is lower than the statewide average of $2,844 per year, or $237 per month, for the same coverage levels.
In Nashville, the cost of homeowners insurance coverage can vary based on the type of materials used to construct your home, the age of your home, and whether you live in an area prone to natural disasters. Comparing multiple homeowners insurance companies can help you find the one that’s right for you.
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Cheapest home insurance companies in Nashville
A variety of factors influence the cost of home insurance, including the age of your home, the type of insurance, ZIP code, credit history, and claims history. Westfield offers Nashville homeowners the cheapest insurance, at an average monthly cost of $117 for $300,000 of dwelling coverage.
You can find additional cheap home insurance options in the table below.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| USAA | $1,116 |
| Westfield | $1,152 |
| Allstate | $1,272 |
| American National | $1,344 |
| Travelers | $1,452 |
| Foremost | $1,572 |
| Auto-Owners | $1,908 |
| State Farm | $1,932 |
| Shelter | $2,232 |
| Erie | $2,424 |
| Farmers | $2,976 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $1,860 |
| Allstate | $2,028 |
| USAA | $2,028 |
| American National | $2,556 |
| Travelers | $3,168 |
| State Farm | $3,240 |
| Auto-Owners | $3,312 |
| Shelter | $4,428 |
| Foremost | $4,488 |
| Erie | $4,620 |
| Farmers | $5,592 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $2,664 |
| USAA | $2,676 |
| Allstate | $2,784 |
| American National | $3,648 |
| Travelers | $4,284 |
| State Farm | $4,320 |
| Auto-Owners | $4,488 |
| Shelter | $6,456 |
| Erie | $6,792 |
| Foremost | $7,032 |
| Farmers | $7,164 |
How much homeowners insurance do you need in Nashville?
If you have a mortgage, your lender will require you to purchase a home insurance policy. How much homeowners insurance you need generally depends on the amount you’d need to rebuild your home, replace your belongings, and cover the cost of living outside your home if a fire or disaster damages it. The price you paid for your home could be higher or lower than the cost to rebuild.
Most standard insurance policies include the following types of home insurance coverage:
Structure of home
Dwelling coverage and other structures coverage pay to rebuild or repair your home if a covered peril damages it.
Personal belongings
Personal property coverage protects items like your clothes, sports equipment, and furniture.
Liability coverage
Liability insurance covers you if someone is hurt on your property, and it also pays for any damages your pet causes.
Additional expenses
If you can’t live in your home due to a fire or other covered disaster, loss of use coverage may pay for a hotel and other living expenses.
To ensure you have enough protection, make sure you understand exactly what your home insurance policy covers.
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What to know about home insurance in Nashville, TN
In recent years, Nashville homeowners have started to see an increase in home premiums due to multiple environmental factors, like heat waves and winter storms. But this seems to be a statewide phenomenon — Tennessee homeowners may notice a 9% rate hike in their home insurance premiums by the end of 2025, according to Insurify data.
Many states where homeowners find it difficult to insure high-risk properties through private insurance provide access to a FAIR (Fair Access to Insurance Requirements) Plan, though Tennessee doesn’t participate in this program. This is why homeowners in Nashville should make sure they have coverage for several risks, including:
Tornadoes
Since 1950, there have been 1,403 tornadoes on record in Tennessee, with most occurring in March, April, and May. The average number of tornadoes per year in Tennessee is 31. Many standard insurance policies cover damage caused by wind, rain, trees, and other falling objects. But it’s important to contact your insurance company to confirm your coverage.
Flooding
In May 2010, Tennessee experienced catastrophic flooding that resulted in 11 fatalities in the Greater Nashville area and more than $2 billion in flood damage. Most standard homeowners insurance doesn’t cover flooding. Instead, you can buy a separate flood insurance policy through the National Flood Insurance Program (NFIP). A flood policy offers building and content coverage to protect your home and belongings.
Earthquakes
Western Tennessee is situated in the New Madrid Seismic Zone (NMSZ). Every year, hundreds of small earthquakes occur across the NMSZ. While many are too small for detection, this puts Tennessee residents at a higher risk for earthquakes. Standard home insurance policies typically don’t cover damage from earthquakes. Instead, you’ll need to consider a separate earthquake policy for coverage.
Many states where homeowners find it difficult to insure high-risk properties through private insurance provide access to a FAIR (Fair Access to Insurance Requirements) Plan. But Tennessee doesn’t participate in this program.
Average cost of home insurance in other cities in Tennessee
Homeowners insurance rates in Tennessee can vary between cities and ZIP codes within a city. Different areas in the state have unique risks that can affect your premiums.
Some factors that influence the rate of homeowners insurance in Tennessee include proximity to a fire station, the rate of neighborhood theft, and the risk of tornadoes, earthquakes, and flooding in your area.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Knoxville | $2,388 |
| Chattanooga | $2,544 |
| Nashville | $2,676 |
| Memphis | $3,780 |
Nashville homeowners insurance FAQs
If you’re shopping for home insurance in Nashville, this additional information may help as you research which policy is best for you.
Home insurance in Nashville costs an average of $2,676 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. But your rates will depend on many factors, including your ZIP code, the age of your home, the square footage of your home, and the coverage levels you choose.
Westfield has the cheapest homeowners insurance in Nashville, with monthly rates of $117.
No. Tennessee doesn’t require homeowners insurance, but if you have a mortgage on your home, your lender will require you to have it to protect its asset. Home insurance protects you financially if something damages or destroys your home and you have to make extensive repairs or rebuild.
The best home insurance companies in Nashville include Westfield, Allstate, Auto-Owners, Erie, and Travelers. But it’s important to compare insurance quotes from multiple insurers to secure the right coverage for you.
In Nashville, it costs an average of $3,384 per year to insure a house with $400,000 in dwelling coverage and a $1,000 deductible.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- National Weather Service. "Tennessee Tornado Stats."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.