Tennessee Insurance Overview
Tennessee has standard insurance requirements with some flexibility in optional coverages. Understanding your options helps ensure you're properly protected.
Auto Insurance in Tennessee
State Requirements
Tennessee requires 25/50/15 liability coverage:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $15,000 property damage per accident
Optional Coverages
- Uninsured Motorist: Not required but recommended
- Collision: Covers your vehicle in accidents
- Comprehensive: Covers theft, weather, vandalism
Homeowners Insurance in Tennessee
Weather Considerations
Tennessee faces:
- Tornado risk: Especially in Middle Tennessee
- Severe storms: Hail, wind, and lightning damage
- Flooding: Not covered by standard policies
Coverage Recommendations
- Adequate dwelling coverage for rebuilding costs
- Personal property coverage for belongings
- Consider flood insurance if in flood-prone areas
Renters Insurance in Tennessee
Affordable protection for your belongings and liability. Many landlords require it.
Next Steps
Understanding your Tennessee insurance needs is the first step. When you're ready to review your coverage, we're here—no pressure.