Tennessee is known for its rolling hills, Southern charm, and strong sense of community. But as any homeowner here knows, it's also a state where the weather—and the housing market—can be unpredictable.
So, here’s the big question: Is your homeowners insurance actually enough to protect your biggest investment?
Let’s break down what recent statistics are telling us—and why every Tennessee homeowner should take a second look at their coverage.
📊 Homeowners Insurance: The National Picture (And What It Means for TN)
According to Policygenius, 91% of U.S. homeowners have insurance—but nearly half don’t fully understand their policy. Even worse? Many are underinsured, especially in growing markets where property values are rising fast… like here in Tennessee.
In places like Nashville, Chattanooga, and Knoxville, home values have surged in recent years. But if your coverage hasn’t kept pace, a fire or storm could leave you without the funds to rebuild.
🌪️ Tennessee Risks: More Than Just Tornadoes
Tennessee may not deal with hurricanes, but we’re no stranger to severe weather. Between spring tornadoes, summer hail, and winter ice, Tennessee homes face a wide variety of threats. Unfortunately, many standard homeowners insurance policies don’t cover everything you’d assume they do—like flood damage or extended replacement costs.
Here are a few risks that catch Tennessee homeowners off guard:
Flash flooding, especially in low-lying areas or near rivers
Tree damage from high winds and thunderstorms
Frozen pipes and water leaks during sudden winter freezes
Outdated coverage limits on older or recently improved homes
🛠️ What You Can Do Today
It’s not about having insurance. It’s about having the right insurance. Here's how to stay proactive:
✅ Review your policy annually – Home values in Tennessee are changing fast, and your coverage should match.
✅ Ask about replacement cost vs. actual cash value – One leaves you whole, the other leaves you short.
✅ Look into extra protection – Things like flood insurance or water backup coverage could save you thousands.
❤️ A Small Step for Peace of Mind
Don’t wait until you file a claim to find out what isn’t covered. Take 15 minutes this week to have a quick policy review—especially if:
You’ve renovated your home recently
You’ve purchased high-value items
You live in an area prone to flooding or storm damage
It’s been more than a year since your last review
🏠 At RISE Insurance, We're Local — Just Like You
We know Tennessee. Our team lives and works here, so we understand what matters to homeowners in this state. We’ll help you identify gaps, understand your options, and make sure your policy gives you peace of mind.
📞 Want a free policy review?
We’re here to help. 📞 423-541-1111 📧 info@riseins.com
