Knoxville Insurance Rates:

Knoxville ,TN Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Knoxville, TN homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Knoxville, TN is $2188. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Knoxville, TN: Customer-Reviewed Options


Knoxville, TN Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Knoxville, TN. VHome Insurance will help you navigate the world of homeowners insurance coverages in Knoxville, TN.

Coverage Level Average Annual Premium
$100,000 $875
$200,000 $1,488
$300,000 $1,838
$400,000 $2,801
$500,000 $3,523


Knoxville, TN Homeowners Insurance Rates by ZIP Code

Home insurance costs in Knoxville can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
037917 $2,051
37915 $2,090
37919 $2,273
37902 $2,351
37931 $2,182
37923 $2,158
37909 $2,132
37938 $2,142
37918 $2,099
37916 $2,174
37924 $2,091
37912 $2,060
37914 $2,072


Knoxville, TN Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Knoxville, TN, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,243
$1000 Deductible $2,006
$1500 Deductible $1,893
$2500 Deductible $1,707
$5000 Deductible $1,444



Top Home Insurance Agents Near Knoxville, TN

Home Insurance Company Near Knoxville, TN Homeowners Insurance Agency Near Knoxville, TN Address
Travelers Bob Johnson Insurance Inc 7121 AFTON DR, KNOXVILLE, TN, 37918
Travelers Inter-Agency Ins Services Inc 6209 BAUM DR, KNOXVILLE, TN, 37919
Liberty Mutual John Attaway 2030 Falling Waters Road Suite 100, Knoxville, TN, 37922
Allstate Kevin Yates 1338 Parkway Ste 1, Sevierville, TN, 37862
Allstate Lonnie Jones Jr. 620 N Campbell Sta Rd Ste 9, Knoxville, TN, 37934

Knoxville, TN Home Insurance Agents for Top Companies


Knoxville, TN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Knox County, Tennessee $122 $163 $245
Rockford city, Tennessee $124 $165 $248
Alcoa city, Tennessee $119 $159 $239


Knoxville, TN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Knoxville, TN6.2%18.5%
Knox County5.48%18.8%

Knoxville Renters Insurance as a Percentage of Rent

Knoxville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,494 6.0% $360
$200 to $299 1,359 3.0% $810
$300 to $499 3,829 9.0% $1260
$500 to $749 15,110 38.0% $1935
$750 to $999 10,934 27.0% $2685
$1,000 to $1,499 4,627 11.0% $3810
$1,500 or more 1,198 3.0% $5460

Cost Of Homeowners Insurance By Street Near Knoxville, TN

Streets in Knoxville Area Homeowners Insurance Cost
Deaderick Ave NW, Radnor Rd NE, Chestnut Hill Ln, Morris Rd, Bearden Pl, Piper Rd NW, Ponder Rd, Keith Ave, Birch Springs Dr, Ferd Hickey Rd NW$785
Willowcreek Pointe Ln, Lake Ln, Dill St, Mecklenburg Ct, Robin Heights Dr NW, Scotswood Cir, Florence Rd, Chickamauga Ave, N Weisgarber Rd, Parktop Ln NW$771
Loraine St, Villa Forest Way, Whitesburg Dr, Marion St NW, Christine Ave SE, Sharp Ln, Joan Rd NE, Ohio Ave NW, Cracker Barrel Ln, Maria Ave$784
Rum Hill Ln, Maplehill Rd, Tobler Ln NW, Overland Trl NW, Gaines Rd, Hollow Tree Way, McFall Ln, Leconte Rd, Fieldwood Dr NE, Foxvue Rd$800
Sunny Creek Way, Holston Ferry Rd, 3rd Ln, Clancy Ave SW, Mesa Verde Ln, Ellis Rd, McCalla Ave NE, Cornsilk Dr, Lafayette Rd NW, Nelson Cir SE$801
Charles Rd, Dora St NW, Sarvis Dr SW, Southgate Rd SW, Avondale Ave NE, Shepard St, Topoco Rd SW, Pembridge Rd, Oak Haven Rd, Huffaker Ferry Rd$795
Bluff View Rd, Meeting House Ln, Lantern Ridge Ln, Toole Dr NW, Mayfair Dr SE, Woodedge Ln, Hansard Ln, Cumberland Wood Dr NW, Polkwright Ln, S Peters Rd$778
W Woodland Ave, Dale Ave SW, Tallent Rd NW, McConnell St, Randonell Rd SW, Hitching Post Dr, Sway Branch Ln, Ledgerwood Ave, Luck Ave NE, Apple Valley Dr$806
Pinebrook Dr, Cluster St, Plymouth Rd, Belleaire Ave, Burgundy Pl, Barlow Cir, Erin Dr, Climbing Rd NW, Walden Woods Ct NW, R L Way$793
Dover St, Cadence Ln, Moses Ave NW, McCall Ln, Ala Dr, Huntland Dr SW, Village Dr, Hickory Dr, Tooles Bend Rd, Hardwood Rd NE$841

Knoxville, TN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Knoxville$119 to $122
Knox County$122

Knoxville, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Knoxville Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,700$3,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,800$10,000
Net Savings to Knoxville Home Owner from High Deductible Plan $800


Knoxville, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Knoxville, TN Home Replacement Value MORE than Home Value Knoxville, TN Home Replacement Value LESS than Home Value
Replacement Value $146,000 $95,500
Insurance Premium based on Replacement Value $800 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $35,000 Risk Exposure from Under Insuring Coverage is $15,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $200/year


Example Knoxville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAllstateNationwide Insurance
Monthly Premium 435162
Year Built 200019901985
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $75000-$100000$100000-$125000$200000-$250000
Deductible $500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible