Quality coverage personalized to your home

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Grange and your independent agent personalize your coverage to your needs. Get a policy with coverage and discounts for you.

Common Tennessee homeowners insurance questions

The state of Tennessee does not require homeowners insurance. However, your mortgage will likely require it.

Coverage What it covers
Dwelling Covers damage to your home’s physical structure. 
Other structures Protects against damage to other structures, like a detached garage, barn, or fence.
Personal property Pays for damage to your personal or household belongings.
Loss of use Covers necessary additional living expenses when your home cannot be occupied due to a covered loss.
Personal liability Pays for legal fees, court-ordered payments or settlement amounts if you injure someone or damage their property.
Medical payments to others Covers medical expenses if someone is accidentally injured at your home.


Learn about additional homeowners insurance coverages


Underground service lines are not covered under a standard homeowners insurance policy unless you add this optional coverage. However, homeowners are legally responsible for maintaining service lines from their home to their property line, so you should consult your independent agent about adding this coverage to your policy.

The cost of homeowners insurance will vary by amount of coverage needed and characteristics of your home such as age of the building or if it has custom construction or elaborate design. It’s important to work with your independent agent to make sure you have the necessary coverage.

Homeowners insurance should be built to fit your individual needs. Grange partners with independent insurance agents to ensure you have the right coverage to fit your budget. An independent agent can suggest and explain the coverages you need. Find an agent to get started.

You should purchase insurance before closing on your home. Insurance declaration pages provide coverage details and the policy effective date, which are needed as part of a closing package.

It is your choice where to buy homeowners insurance. Your mortgage company may suggest insurance providers or have a partnership with a specific company. It is best to shop around and consult an independent insurance agent to make sure you have the right coverage for you.

In most cases, a homeowners insurance policy will provide some coverage for structures not attached to the home and additional coverage can be purchased if needed. Certain exclusions may apply (for example, if the other structure is used for business purposes).


Home appliances are generally considered personal property and covered only if they are damaged by specific events listed in your policy. There may be some exceptions to this, for example:

  • If the appliance is permanently attached to your home
  • If you’ve purchased a Special Personal Property Coverage endorsement

Tennessee does not require renters insurance but your landlord may require it as part of your lease.

A homeowners policy may provide limited coverage for business property with the option to purchase additional coverage. It is recommended to consult with an insurance agent to ensure your business property is protected.


Some optional coverages to protect your home-based business are identity theft insurance, personal cyber insurance and equipment breakdown coverage.

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Many ways to save

Save money with a variety of discounts.

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A customized policy made for you

Learn about coverages most important to you.

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Read customer reviews

We are committed to using feedback to improve our customer service. Here’s what Tennessee homeowners insurance customers have to say about Grange.

Five star rating

Janie H. 

We had a very bad storm that did a lot of damage to our property. A very large tree fell on our car and another on our fence, doing extensive damage. Grange was absolutely wonderful, compassionate and very professional. They took care of everything in a very short time! I am very grateful to Grange.

Joe W. 

Grange is very responsive and customer oriented. Every interaction that I have had with Grange personnel has been very positive and professional. A great company in my opinion.

Alice W. 

I have been a Grange Insurance customer for over 30 years. They have consistently responded to all our insurance needs quickly with a professional and focused approach.

Jim S. 

I have been a customer of Grange Insurance for almost 40 years. I have my house and automobiles insured through Grange. All claims I have had with Grange were handled professionally and quickly. They are always there ready and willing to assist your needs.

Why independent agents?

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They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

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More coverage options

Independent insurance agents consider your needs and the unique features of your home to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options.

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It's easier to comparison shop

Unlike shopping for homeowners insurance online, working with an independent agent makes it easy to compare home policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions.

Find an agency

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.