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Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

TN · NAIC SOUTHEAST ZONE

Tennessee homeowners insurance non-renewal notice requirements

Hail, tornado, and severe thunderstorm. The 2022 HO-3 average was $1,492.

NOTICE RULE · NEEDS VERIFICATION

Needs verification

Tennessee’s homeowners nonrenewal notice period was not re-read from the code for this review.

NAIC department directory

2022 HO-3 AVERAGE

$1,492

Rank 23 in the Triple-I table of NAIC data. Not a 2026 price. The U.S. figure was $1,569.

2024 SOUTHEAST ZONE

$1,818

Average premium per policy in the NAIC MCAS study. Company data are confidential, so this is not a Tennessee average.

ZONE NONRENEWALS

22.0 per 1,000 policies in 2024

216% higher than in 2018, the largest zone increase the report names.

Premium trend

Tennessee’s $1,492 HO-3 average matches California’s, so both are rank 23. Triple-I says states with the same premium share a rank.

From 2018 to 2024, inflation-adjusted premium per policy in the Southeast zone: Inside the report’s inflation-adjusted range of 18.3% to 43.3%. The prose names the Northeast and the West as the endpoints, not a separate Southeast percentage.. The Southeast had the highest 2024 average premium per policy of the four zones, at $1,818.

The countrywide 2024 book was about $1,600 per policy across 103.3 million policies. Localized ZIP codes move faster than the zone. A March 2026 NAIC data call is collecting ZIP-level detail that this page does not have yet.

[22][19][21]

Insurer of last resort

Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site. [22][28]

Where to complain

Tennessee Department of Commerce and Insurance takes complaints about notices, cancellations, and claim handling.Tennessee Department of Commerce and Insurance If the site has moved, start from the NAIC directory. Department web addresses were not all re-checked on this review beyond the link above. Needs verification if the link fails.

What to do with the notice

  1. Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
  2. Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
  3. Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
  4. Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
  5. Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
  6. If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
  7. Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
  8. Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
  9. If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
  10. Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

Insurers people search in Tennessee

Questions people type

How many days’ notice does Tennessee require before a homeowners non-renewal?

Needs verificationTennessee: needs verification. Tennessee’s homeowners nonrenewal notice period was not re-read from the code for this review. [27]

What is the average homeowners premium trend in Tennessee?

The 2022 HO-3 average republished by Triple-I from NAIC data was $1,492 in Tennessee, rank 23. That is not a 2026 price. Tennessee is in the NAIC Southeast zone, where the 2024 average premium per policy in the MCAS study was $1,818. The Southeast had the highest 2024 average premium per policy of the four zones, at $1,818. [22][19][21]

What if I cannot find another homeowners insurer in Tennessee?

Needs verificationNeeds verification: This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site. File a complaint or ask for help through Tennessee Department of Commerce and Insurance. If that site has moved, use the NAIC department directory. [22][28][27]

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026). NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
  2. [21] NAIC members by zone. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/membership-report/members-zone
  3. [22] Facts + statistics: homeowners and renters insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  4. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  5. [27] State insurance department directory. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/state-insurance-departments
  6. [28] Insurance topics: FAIR plans. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/insurance-topics/fair-access-to-insurance-requirements-plans