Side-by-side homeowners quotes from 25+ companies in Nashville, TN, from Freedom Insurance Group.
About Nashville, TN
Nashville has roughly 689,447 residents and sits in Davidson County, part of the Nashville metro area.
Davidson County capital and music/healthcare economy center for Middle Tennessee.
Local housing is a mix of single-family homes typical of Nashville metro; replacement cost, roof age, and construction type still drive most premium differences block by block.
Pricing in Tennessee often build in tornado and severe-storm risk, with flood concerns near rivers and low-lying areas.
Home insurance prices in Nashville, TN
The typical homeowners insurance premium in Nashville, TN is about $2,466 annually for a typical local home (typical local home value about $390,000). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 40% lower — near $1,480 per year for a typical home, roughly $1,321 for a $300,000 home, about $1,858 for a $600,000 home, and around $2,418 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado, Hail & Severe-Storm Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Nashville dwelling curve (typical local home value about $390,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Nashville, TN, using a typical local home value of about $390,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (Coverage A): Rebuilding funds for the home itself after a covered loss. Match it to reconstruction costs in your area.
- Other structures (B): Detached garages, sheds, fences, and similar buildings that stand apart from the house fall here.
- Personal property (Coverage C): Protects what is inside the house: furniture, clothing, and everyday items. Valuables like jewelry can be subject to special limits.
- Loss of use (D): When repairs after a covered claim make the house unlivable, this coverage helps with added costs like a rental or hotel.
- Personal liability (Coverage E): Should you be held legally responsible for bodily injury or property damage to others after a covered incident, it applies.
- Medical payments (Coverage F): This coverage can help with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Common discounts for Nashville, TN homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Each company decides its own discounts and amounts. “Up to” marks the top of the range, not a guarantee.
Home insurance price factors in Nashville
Underwriters price a Nashville policy quote from several interlocking factors. Expect rebuild cost, the roof’s age and type, and storm and wildfire exposure to matter most. The deductible you pick and your claims record may move the final price as much as the carrier brand.
Rebuilding the home in comparable materials at today’s labor and supply prices defines what replacement cost measures. Since the carrier’s largest possible payout rises with the rebuild estimate, bigger estimates for Nashville houses usually lift premiums.
Whether walls are frame or masonry, the roofing material, and general construction quality each affect how the property fares against the wind, hail, and fire common across Tennessee, which is why construction type and roof details matter too.
Location risk reflects storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Nashville, so two homes with similar rebuild costs may still price differently.
Underwriters rate fire protection using the local protection class plus how far away hydrants and stations are; good protection often brings a more competitive price.
Claims history is a heavy factor: for Nashville homes, a recent claim on the home or household often means higher rates for renewals and new business alike.
Where state rules allow it, companies can use a credit-based insurance score, and a higher score tends to bring lower premiums.
Home-and-auto bundles in Nashville, TN
Illustrative average bundling savings, not a guaranteed quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Nashville, Tennessee | $220 | $440 | $660 |
Areas of Nashville
- Germantown
- The Gulch
- East Nashville
- New Heights District
- Wedgewood-Houston
- Melrose/Waverly
- West Nashville
- Inglewood
- Dalewood
- Mudtavern
- Foxhall Close
- Merry Oaks
- Lincoya Hills
- Music Valley Village
- Donelson
- Cockrill Bend
- Cloverhill
- North Capitol
- Downtown Nashville
- Hope Gardens
Nashville housing stock and storm history
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Davidson County.
ACS 2020–2024 estimates put about 344,794 housing units in Nashville, and owners occupy roughly 52% of the occupied homes. Looking at building types, 49% are detached single-family houses and 40% are in buildings with two or more units.
For heat, Nashville households mostly rely on electricity (67%) and utility gas (31%).
Named communities and subdivisions in USGS place-name records near Nashville include Metropolitan Government of Nashville-Davidson (balance), East Nashville, Cumberland Heights, Brooklyn Heights, Avondale, and Bordeaux. Each area can price differently based on build era, roof, and fire protection.
NOAA storm records show 33 hail reports within about 9 miles of Nashville from 2016 through 2025; 18 were one inch or bigger. Top size measured 1.5 inches in March 2021 around Oak Hill.
Tornado history matters here as well: NOAA logged 8 tornadoes touching down within 10 miles of Nashville in 2016–2025, the strongest rated EF3 in March 2020.
Half of Nashville’s homes were built in or before 1987. Roughly 41% of homes predate 1980, which means system and roof updates are worth documenting for a quote.
From 2000 on, Davidson County has been part of 16 major disaster declarations; the most recent is Severe Winter Storm (February 2026).
Census counts put Nashville at 545,524 residents in 2000 and 601,222 in 2010, and the Census Bureau’s July 2024 estimate is 704,963. That works out to about 29% more residents than in 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 58 hail reports within 5 miles of Nashville between 1955 and 2015; the biggest stones, 2 inches, fell on June 15, 2011. Reports of 2-inch or bigger hail number 2 in that span. NOAA Storm Prediction Center records list 24 tornadoes that began within 10 miles of Nashville from 1950 through 2015; the strongest was an F2 on April 1, 1974. Along its full path, that storm was blamed for 1 death and 12 injuries.
Comparing homes in nearby towns? See our home insurance pages for Goodlettsville (12 mi), Brentwood (12 mi), and Green Hill (13 mi).
Where we write coverage around Nashville
37210
Landlord insurance for Nashville rental properties
If you own a rental in Nashville and do not live there, a standard HO-3 homeowners policy usually does not work. Landlord or dwelling coverage is built for the building, loss of rents, vacancy rules, and premises liability, while tenants carry their own renters policy for belongings.
Local weather and site risks in Nashville (storms, hail/wind, flood exposure where relevant, and vacancy between leases) should shape deductibles, DP-1 / DP-2 / DP-3 choice, and whether you add flood or water-backup coverage.
Read our Nashville landlord insurance guide, the statewide Tennessee landlord insurance hub, or call (800) 253-1482 for a rental quote. You can also start a free quote online.
