Knoxville, TN Home Insurance - Analysis On Quotes, Rates & Agents

Knoxville, TN Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Knoxville, TN. The average cost of insurance in Knoxville, TN is $961. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Knoxville, TN

National Average Premium State Average Premium Knoxville Average Premium
$1,438 $1,044 $961

Top Home Insurance Companies in Knoxville, TN | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Knoxville, TN.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Travelers $882 $1,059 $1,376 $1,899
Aaa $1,705 $2,046 $2,660 $3,671
USAA $1,783 $2,139 $2,781 $3,838
Shelter $1,492 $1,790 $2,328 $3,212

Knoxville, TN Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 896.87
$150,000 To $174,999 1,205.68
$175,000 To $199,999 1,280.48
$200,000 To $249,999 1,522.86
$250,000 To $299,999 2,195.6
$300,000 To $399,999 3,148.63
$400,000 To $499,999 3,883.43
$500,000 To $749,999 4,970.79
$750,000 To $999,999 5,747.47
$1000,000 To $1499,999 6,329.99
$1500,000 To $2000,000 6,796

Visual Guide for Knoxville, TN Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Knoxville, TN | Back to Top

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

List of Knoxville, TN Home Insurance Agents by Companies

Knoxville, TN Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $134.54 on the home insurance premium is offered to Knoxville, TN homeowners who have no previous history of claims filed, Knoxville, TN homeowners with one claim have to file an additional home insurance rate of $86, while Knoxville, TN homeowners with 2 claims have to pay $135 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -135 826
One Claim +86 1,047
Two Claim +135 1,096

Knoxville, TN Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
37917 86,200 923
37915 74,300 974
37919 252,900 932
37902 215,600 908
37931 189,800 903
37923 174,700 894
37909 173,000 923
37938 168,500 903
37918 138,000 932
37916 132,500 973
37924 130,600 903
37912 115,700 932
37914 105,400 903

Factors Affecting Home Insurance Premiums in Knoxville, TN

Knoxville, TN homeowners pay an average home insurance premium of $961. Homeowners in Knoxville, TN can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Knoxville, TN Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 499
3 Bedroom 1,373
4 Bedroom 1,435
5 Bedroom 2,122

Knoxville, TN Home Insurance Premiums for Different Deductibles | Back to Top

Knoxville, TN Homeowners with a deductible of $500 pay a higher amount for home insurance, while Knoxville, TN homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 949
$1000 Deductible 859
$1500 Deductible 809
$2000 Deductible 734
$2500 Deductible 690

Knoxville, TN Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Knoxville, TN pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 769
Year 30 Old 975
Year 40 Old 986
Year 50 Old 998
Above Year 50 1,007

Knoxville, TN Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 125 836
Masonry 48 913
Brick 48 913
Superior 96 865
Hail Resistant Roof 19 942

Top Saving Tips on Knoxville, TN Homeowners Insurance | Back to Top

Knoxville, TN Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Knoxville, TN Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Knoxville, TN homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Knoxville, TN homeowners can take advantage of to increase their savings.

Knoxville, TN Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 144 817
Retiree Discount (Senior Citizen Discount) 135 1,096
Newly Constructed Home 192 769

Knoxville, TN Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 96 865
Fire Extinguishers 67 894
Smoke Detectors 106 855
Sprinkler System 96 865
Fire Alarm 77 884
Burglar Alarm 86 875
Lightning Protection 19 942

Latest Home Insurance Reviews

It covers wind/hail damage, fires, lightning, theft, and it covers injuries that occur on your property and law suits against you. Which some companies did not even offer us.
State Farm
My insurance company worked a deal through so i could afford my insurance needs. for that, i will stay with them.
State Farm
I have a tough time getting a hold of agents if i have questions. sometimes the hold time can be somewhere in the 20 min range waiting on dial tone.
State Farm
What I like the most about State Farm is their attention to customers and they are always informative.
State Farm
I don't like that State Farm drops people as clients after they file a claim. I am nervous that we will be dropped because we have a have a large claim, even though we have paid a lot more for it.
Liberty Mutual
They were always diligent about letting me know the amount that would come out and when. They always send me my policy through the mail and it is very easy to go over my selections online.
State Farm
Apart from the standard privacy agreements, we do not receive any unnecessary or excessive material from the company. Besides, we know we can call at any time and our questions will be answered - typically in minutes.
State Farm
Foremost is hands down the best insurance for mobile/manufactured homes. They are very fair in their damage assessment and generally give you the money needed to make the repairs. If for some reason there is a discrepancy, they will evaluate and generally give you the difference to make the repairs as long as it is justifiable. They are just easy to work with and their people are knowledgeable and friendly.
I wish they offered a better deal on car insurance. It would be nice to have all of our coverage in one place.
State Farm
Insurance companies are all the same. The price I got is the same I would have gotten from any other company I picked. I'm a rich white person--everyone wants my business.
I think the company provides great rates and easy to use interface. They're very approachable and clearly have a large hand in the game.
I don't dislike anything about my company. I have had nothing but good experiences since signing with them.
What I dislike about the company is the high cost. It is much higher compared to others in my area. Also, the deductibles are high.
I highly recommend Geico for home insurance needs because they have been in existence for skatey-eight years and have a clue about what they do, how to do it and who they do it for.
Amica Mutual Insurance
Amica Mutual has fantastic customer service, the best in class. They might not always be the very cheapest but you know you are get a quality insurance with a reasonable price.
State Auto
I would recommend this company because they have good policies at a reasonable price in comparison to other companies and they are friendly to work with.
Grange Insurance
I wish the payments were lower.
State Farm
They have a good website that allows me to pay easily and the rates seem to be fair. I also like getting a discount for bundling our auto insurance with them.
their phone service takes a long time to attend, and your page neesitamas information to users
I would recommend Geico because they appear to offer fair coverage when compared to other companies. It has been easy to renew coverage, and they provide a discount for bundling insurance coverage.
State Farm
the main competitor are small companies or the state run system. So I'm happy I'm with a large insurance provider. I feel very confident if I need to file a claim, I won't be ripped off.
I would recommend this company. They are easy to deal with and priced competitively.
they are always there when I need them. Even if it's 3am in the morning I can call and I know they will be there
State Farm
My home insurance policy is fairly comparable to others on what they offer. They aren't the cheapest, but the cost comes with excellent service and minimal issues making claim .
I have not had any issues with Allstate. I haven't had to use any home owners insurance.
State Farm
State Farm was cheaper then my other insurance companies and was easier to deal with then my previous insurance companies. My agent calls to check up on me, something no other company did.
I have had excellent customer service with my homeowner's insurance provider. I had to file a claim for a leak in the roof and the company representatives were attentive and took care of the problem quickly.