Knoxville Home Insurance

Knoxville Home Insurance

Knoxville has a population of approximately 186,000 people, making it the third-largest in the state. Knoxville is undergoing a major revitalization project, particularly in the downtown region.

This could aid property owners in recovering from a ten-year decline in real estate values. If you own a home in Knoxville, you’ll need a Knoxville homeowners insurance policy that is both dependable and fast. Enlist the assistance of a local Knoxville insurance broker who can assist you in comparing quotes and determining the best coverage and price for your needs.

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Homeowners’ Liability Insurance in Knoxville, TN

At any time, homeowners may be accused of negligence. You may be responsible for the injured party’s property repairs or medical fees if someone is injured on your property or if your child or pet causes an injury or property damage. Furthermore, you could be sued, and you’ll have to pay a lot of money to defend yourself or settle the case. These types of cases are covered by your Knoxville homeowner’s liability insurance. It covers court costs, legal fees, and even any settlements or judgements that you must pay. It addresses issues such as: read more

An injury to a visitor on your propertyA bystander was bitten by your pet.

Your child has caused damage to a neighbor’s property.

Slander or libel accusations (e.g., you are accused of slander for something you posted online)

Some Knoxville residents may require additional liability coverage than their Knoxville homeowner’s policy provides. A personal umbrella insurance policy in Knoxville, Tennessee provides supplementary liability coverage beyond the limitations of your house and auto insurance in these situations. A Knoxville insurance broker in your area can assist you in evaluating your alternatives and comparing pricing.

Home Knoxville, Tennessee Burglary Rate

  • Home burglary rates in Knoxville are relatively high, with 9.86 burglaries per 1,000 houses each year.
  • In the United States, there are 4.69 burglaries per 1,000 houses.
  • In Tennessee, there are 6.06 burglaries per 1,000 houses.
  • In Knoxville, there are 9.86 burglaries per 1,000 houses.


Residents of Knoxville should take efforts to protect their homes from break-ins, burglaries, and vandalism. When you are away from home, you can add security lights and cameras, utilize deadbolt locks, and leave lights on. A home security system is one of the most effective deterrents. It can deter intruders, warn you when a break-in is attempted, and possibly help you earn a home insurance discount. Your Knoxville homeowner’s insurance can assist you in getting back to normal if you are the victim of a break-in or burglary. It will compensate you for property damage as well as stolen or damaged belongings. Throughout the claims process, your Knoxville insurance broker will be available to assist you.

Tennessee’s Catastrophic Events

  • Tennessee has had 69 declared disasters.
  • Severe Storms and Floods are the most common causes of catastrophes in the state.
  • In Tennessee, the average number of tornadoes per year is 29.1.
  • Property damage in Tennessee averages $1,153,112,000 each year.
  • Every year, 1 in every 15 insured residences gets a claim.


When severe weather or other disasters hit, your home insurance is designed to protect you. Wind, hail, and rain damage are all too prevalent in Knoxville, but with the right homeowners insurance in Knoxville, TN, you’ll be able to repair your roof or siding with ease. If you reside in a flood-prone location, make sure to discuss the need for flood insurance with your Knoxville insurance broker. Your home insurance in Knoxville, TN will not cover flood damage, even if it is caused by a strong storm. The National Flood Insurance Program offers flood insurance (NFIP). hide-

Homeowners Insurance in Knoxville, Tennessee

Homeowners Insurance in Knoxville, Tennessee is the 22nd most costly home insurance in the United States. The average cost of Knoxville homeowners insurance is lower than the state and national norms.

The average annual premium in the United States is $1,173.

The average annual premium in Tennessee is $1,149.

The average annual premium in Knoxville is $835. read more

Your rates will be higher or lower than the city’s average. Each insurance company in Knoxville has its own formula for calculating prices. The majority of companies base their calculations on your specific house and insurance requirements. You should expect to spend more if you live in a ZIP code with a high crime rate or one that is prone to natural disasters than someone who lives in a safer location. Individual risk factors considered by insurance firms include:

  • Your house’s size, age, and worth
  • Whether it’s your primary residence or a secondary residence,
  • Your home’s number of stories and whether or not it has a basement
  • Your ZIP code’s crime rate and weather threats
  • Your credit score and claim history
  • Your deductible and the quantity of coverage you require

 

With the assistance of a Knoxville insurance broker, shopping around for the best rates is simple. Because our Knoxville brokers are not bound to a single carrier, they can collect various quotations and assist you in making an informed decision.

Insurance for second homes and vacation homes

Perhaps you own a rustic hunting cabin or a vacation property on one of Tennessee’s many lakes. Maybe you have an apartment that you rent out to University of Tennessee students. If you own more than one home, you’ll need insurance that covers all of them properly. Insurance companies may require that a house that is not your primary residence be covered by multiple forms of insurance due to additional risk factors and considerations.

Unlike principal properties, vacation homes that are periodically uninhabited confront unique hazards. Unoccupied homes are more vulnerable to property damage and break-ins, thus they may need to be insured by vacant home insurance.

Rental property owners face greater liability concerns. If you own a rental property, you may need more liability coverage than usual but less coverage for the contents. Landlord insurance can assist you with adequately protecting your leased property.

For your extra residential properties, our local Knoxville insurance brokers can assist you in obtaining numerous estimates. You have the option of selecting the coverage that best meets your requirements. hide-

Insurance Solutions we provide

Personal Insurance

The Personal Insurance policies we can connect you to will cover individuals on injuries, damaged personal properties, and insures individual life.

Business Insurance

Southern Capital Insurance wide range of services are designed to meet your unique needs as a business and add value by minimizing risk and maximizing support.

Why Choose Southern Capital Insurance

High Client Retention

Southern Capital Insurance has both retail and corporate clients in various countries that rely on our expertise in financial coverage.

Free Estimates

We will give you a free estimate, no commitment insurance quote in the shortest possible time.

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Southern Capital Insurance delivers simple and flexible products that are backed by first class service delivery.

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