Home Insurance in Knoxville, TN
Homeowners insurance pays to repair or rebuild your house, replace your belongings and cover your liability if someone is hurt on your property. The most important number on the policy is dwelling coverage, which should match what it would cost to rebuild your home at today's construction prices, not its market value or what you paid. We compare multiple carriers to find Knoxville homeowners the right coverage at the best value.
What we insure
- Single-family homes, including older homes and new construction
- Condos and townhomes, coordinated with your HOA's master policy
- Renters insurance for apartments and rental homes
- Landlord and rental dwelling policies
- Vacant homes, renovations and short-term rentals, cabins and lake homes
- Umbrella liability on top of home and auto
Common gaps we look for
- Flood damage, which standard homeowners policies exclude
- Water backup from sewers and drains, usually an add-on
- Separate wind and hail deductibles that can be much higher than your regular deductible
- Actual cash value roof coverage that pays less on older roofs
- Low limits on jewelry, firearms, collectibles and home business property
Bundle home and auto
Most carriers discount home and auto when you insure both together. See our auto insurance page or ask us to quote both.
Why Knoxville clients choose Elite Insurance Group
- Independent: we compare carriers like Travelers, Progressive, Liberty Mutual, Nationwide, Erie, Encova, Penn National and Foremost instead of selling one company's policy.
- Claims experience: our team brings 25+ years of insurance and claims experience, so we write coverage with the claim in mind.
- No agency or broker fees: you pay the carrier's premium, nothing extra to us.
- Local: a family-owned Knoxville agency serving Knox, Blount, Anderson, Loudon, Sevier and Roane counties.
Frequently asked questions
How much homeowners insurance do I need?
Enough dwelling coverage to fully rebuild your home at current local construction costs, plus enough personal property and liability coverage for your situation. Market value and rebuild cost are often very different.
Does homeowners insurance cover flooding in Tennessee?
No. Flood damage requires a separate flood policy, either through the National Flood Insurance Program or a private flood carrier. Flood policies often have a 30-day waiting period, so don't wait for the forecast.
Why are home insurance rates going up in Tennessee?
Severe storms, hail, rising construction and labor costs, and higher reinsurance costs have pushed rates up across the state. Shopping multiple carriers and reviewing deductibles can help.
Get a quote
Tell us what you need and a licensed local agent will follow up. Start your home insurance quote or call (865) 687-5140, Monday to Friday, 9 to 5.