Country Guide
Best Home Insurance in Tennessee (2026)
Tennessee faces tornado and severe storm risks. Compare top carriers for comprehensive TN home coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Tennessee
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Storm coverage | $1,860/yr | — |
| 2 | USAA | Military families | $1,500/yr | — |
| 3 | Shelter Insurance | Regional carrier | $1,740/yr | — |
| 4 | Allstate | Local agents | $2,040/yr | — |
| 5 | Farmers | Rural properties | $1,980/yr | — |