Tennessee HO8 Insurance

Tennessee HO-8 Insurance policy is designed for older homes in Tennessee. The Tennessee HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Tennessee are AllState and Auto Club and they operate in cities such as Memphis, Knoxville, Murfreesboro or Nashville.


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What Will HO8 Insurance Cover in Tennessee?

A standard home insurance policy in Tennessee whether you live in Memphis, Nashville or Knoxville will cover most damages to your TN home and your personal belongings from perils such as hail, smoke, windstorm damage from falling objects, riots, theft, trucks or vehicles.

What is Tennessee HO8 Insurance?

Homeowners insurance coverage that pays actual cash values or repairs in rebuilding cost and personal property. This type of policy is designed for older house or historical properties.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Tennessee. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Tennessee?

The policy will cover any home in the state Tennessee such as:
  • Memphis, TN
  • Nashville, TN
  • Knoxville, TN
  • Chattanooga, TN
  • Murfreesboro, TN
  • Kingsport, TN
  • Jackson, TN
  • Johnson City, TN
  • Franklin, TN
  • Cookeville, TN
  • Clarksville, TN
  • Crossville, TN
  • Pigeon Forge, TN
  • Cleveland, TN
  • Sevierville, TN
  • Millington, TN
  • Morristown, TN
  • Maryville, TN
  • Cordova, TN
  • Bristol, TN