Tennessee has 7,066,383 residents. We list 61 agencies for vacant land insurance in Tennessee. Here is what the local numbers say about the cover people here need.

Tennessee at a glance

61vacant land insurance agencies listed
33.1%of households rentRenters insurance
$286,700median home valueHome insurance
1987median year homes were builtRebuild cost calculator
5.2%of households have no carAuto insurance
8.1%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Tennessee

How many of Tennessee’s 95 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Lightning19 of 95 counties
Very High in Knox County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Tennessee
Strong wind15 of 95 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Tennessee
Ice storm13 of 95 counties
Tornado12 of 95 counties
Very High in Shelby County.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Tennessee
Winter weather7 of 95 counties
Very High in Rutherford County.
Inland flooding4 of 95 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Insurance companies Tennessee agencies work with

Of the 61 Tennessee agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

American Modern42 agencies
Foremost33 agencies
Liberty Mutual31 agencies
Travelers31 agencies
Liberty Mutual (Safeco)27 agencies
Safeco27 agencies
Nationwide24 agencies
Progressive24 agencies
Nationwide (Allied)19 agencies
Nationwide (Colonial)19 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Vacant Land insurance in Tennessee

All insurance agencies in Tennessee · Vacant Land insurance in every state

Where can I find vacant land insurance in Tennessee?

Pick your city in the list on this page to see every agency there that offers vacant land insurance, or search by name or ZIP code.

What does vacant land insurance cover?

Liability cover for land you own but have not built on.

Which insurance companies do Tennessee agencies work with?

Among the 61 Tennessee agencies whose appointments we hold, the companies they are most often appointed with are American Modern (42), Foremost (33), Liberty Mutual (31), Travelers (31), Liberty Mutual (Safeco) (27). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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