Between your home, your vehicles, and weekends on the lake, Tennessee households have a lot to protect. Personal insurance works best when every policy is reviewed as one plan.
Looking for personal insurance in Tennessee? Your home, cars, and recreational vehicles each need the right coverage, and your liability limits should work across all of them. A Blue Peak advisor can help you review everything together.
A house in Nashville, a cabin near the Smokies, and a boat on the lake each bring different risks. Blue Peak helps you see how they fit together.
Here is how the main personal policies work together for many Tennessee households.
A homeowners policy can help repair your home and replace belongings after a covered loss, and it usually includes liability. See home insurance in Tennessee for more on dwelling limits and coverage options.
Tennessee's minimum liability limits are 25/50/25. Many drivers choose higher limits to better protect their savings and home. Compare options on our auto insurance page.
When you have a home, several vehicles, and a boat, your liability exposure adds up. Personal umbrella insurance can add extra liability limits above your other policies.
A cabin or house you rent to others usually needs a landlord policy. Learn more about landlord insurance in Tennessee.
A licensed Blue Peak advisor can review your home, vehicles, and recreational coverage and help you request quotes.
Some of the biggest risks Tennessee households face are ones a standard policy does not cover.
According to the Tennessee Department of Commerce and Insurance, most homeowners and renters policies do not cover flood damage. Flood insurance is a separate policy, and NFIP policies usually have a 30-day waiting period. Learn more about flood insurance.
Western Tennessee sits in the New Madrid seismic area. Most homeowners policies do not cover earthquake damage without a separate policy or endorsement, so ask whether it makes sense for your home.
A homeowners policy usually offers little or no coverage for boats and motorcycles. Separate boat insurance and motorcycle insurance policies can cover physical damage and liability.
Use these questions when you compare quotes or review your current plan:
The Tennessee Department of Commerce and Insurance (TDCI) licenses the insurers and agents that sell personal insurance in Tennessee. If you have a question about a claim or a company, TDCI's consumer services team can help, and you can confirm any agent's license on the Tennessee Department of Commerce and Insurance website.
Tennessee sees tornadoes like the March 2020 outbreak in Nashville, flash floods like the 2010 Nashville flood and the 2021 Waverly flood, and earthquake risk in West Tennessee near the New Madrid Seismic Zone. Earthquake damage is excluded from a standard Tennessee home policy, which matters most for homes in and around Memphis and the rest of West Tennessee.
Blue Peak works with individuals and families in Nashville, Memphis, Knoxville, Chattanooga, Clarksville and Murfreesboro, as well as smaller towns across Tennessee. Our advisors compare options from multiple carriers and explain how Tennessee rules apply to your personal insurance before you decide.
Personal insurance includes the policies that protect your household, such as homeowners, auto, and umbrella coverage. It can also include flood, boat, motorcycle, landlord, and valuables coverage.
Tennessee's minimum liability limits are 25/50/25, according to the Tennessee Department of Commerce and Insurance. Many drivers choose higher limits for more protection.
Usually not. Most homeowners and renters policies exclude flood. A separate flood policy is needed, and NFIP policies usually have a 30-day waiting period.
Most homeowners policies do not cover earthquake damage. You would need a separate earthquake policy or endorsement. An advisor can help you weigh the cost.
In most cases, yes. A homeowners policy offers limited or no coverage for boats. A boat policy can cover physical damage and liability on the water.
From your home to your boat, the right personal insurance plan covers the things you own and the risks you face. Reviewing every policy together helps you close gaps.
Start with our personal insurance overview, or talk with an advisor about your home, vehicle, and umbrella coverage.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Tennessee is regulated by the Tennessee Department of Commerce and Insurance (TDCI). TDCI licenses agents and insurers and handles insurance complaints in Tennessee.
Before you buy any policy, you can confirm that an agent or agency holds an active Tennessee license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Tennessee.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
