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2024

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Best Renter's Insurance Companies in Knoxville, TN

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Knoxville Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

75Reviewed

48Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6334 Chapman Hwy, Knoxville, TN 37920

Expertise.com Rating

Review Sources

Google
4.8 (29)
Facebook
5.0 (8)

Why choose this provider?

Dott Baker Insurance Agency is an independent insurance company serving Knoxville for over 67 years. It assists renters in the metro access and obtain a suitable renters' insurance policy to cover their personal properties, damage liability, and medical payments for injuries sustained in the rented property. Its network of insurance carriers allows the company to compare coverage options and find the right policy that fits its clients. It also offers insurance products and services on auto insurance, home insurance, and other personal and commercial lines.

  • Multiple Policy Types

11002 Kingston Pike, Knoxville, TN 37934
WebsiteLicense: 824773

Expertise.com Rating

Review Sources

Facebook
5.0 (47)
Google
5.0 (34)

Why choose this provider?

IRM Insurance is an independent insurance agency serving individuals, families, and businesses in Knoxville and nearby areas. Renters' insurance is among the wide range of products offered. In addition, it provides life, umbrella, homeowners', and general liability insurance plans. The agency helps clients find the best insurance plan to suit their needs by shopping quotations and policy offerings from different insurance providers like AEGIS, Berkshire Hathaway, Liberty Mutual Insurance, and Travelers Insurance.

  • Multiple Policy Types

301 South Gallaher View Road, Knoxville, TN 37919
WebsiteLicense: 747976

Expertise.com Rating

Review Sources

Google
5.0 (82)
Facebook
5.0 (6)

Why choose this provider?

Applegate Insurance Agency is an independent agency that serves clients in Knoxville. It offers renters' insurance from several providers that include ERIE, Nationwide, Travelers, Stillwater and can obtain and bind a policy online. This type of insurance provides coverage for policyholders' belongings and liabilities in case of a loss event. The agency also assists clients in obtaining other types of insurance products for automobiles, homes, condominiums, motorcycles, rideshare, and businesses. It supports The Veterans Advocacy & Benefits Association. Jeffery Sullivan is the owner of the agency

4313 Ball Camp Pike, Knoxville, TN 37921
WebsiteLicense: 2368651

Expertise.com Rating

Review Sources

Google
5.0 (203)
Facebook
5.0 (38)
Yelp
5.0 (1)

Why choose this provider?

Jared Hall is a Knoxville-based insurance agent that started his own State Farm Insurance agency in July 2017. He assists clients in getting renters' insurance quotes to protect their belongings. The policy may include coverage for property damage and loss from accidents, water impacts, and malicious mischief. In addition, Jared provides auto, home, property, business, health, and life insurance products. He has a double major in management and marketing. He used to work as an agent aspirant for a State Farm agent in Atlanta.

  • Multiple Policy Types

5418 Clinton Highway, Knoxville, TN 37912
WebsiteLicense: 2376240

Expertise.com Rating

Review Sources

Google
4.9 (199)
Facebook
5.0 (5)
Yelp
5.0 (2)

Why choose this provider?

ISG Insurance LLC has been operating in Knoxville since 2002. It offers renters' insurance policies as financial protection against damage or loss caused by different circumstances, such as fire, theft, and lightning. Additionally, liability coverage options are also available. The independent agency also handles a wide variety of insurance under personal and business lines. Moreover, its website features an interactive graphic where clients can identify their risks and choose coverage based on their needs.

  • Multiple Carriers
  • Multiple Policy Types

3010 North Broadway, Knoxville, TN 37917
WebsiteLicense: 2352154

Expertise.com Rating

Review Sources

Google
4.0 (22)
Facebook
5.0 (4)

Why choose this provider?

Carlos Insurance Agency is an independent company serving families and individuals in the Knoxville metro and the surrounding communities. It accommodates clients who need assistance in purchasing renters' insurance plans. The company also helps clients obtain other personal plans such as auto, homeowners', and motorcycle insurance. Its insurance professionals also create insurance coverages for rental properties, markets, and restaurants. They work with multiple insurance companies to provide customized policies. Owner Carlos Allavena started his career as an Allstate insurance agent in 1994.

  • Multiple Policy Types

P.O. Box 3428, Knoxville, TN 37927

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Google
4.0 (13)

Why choose this provider?

Farmers Mutual of Tennessee is a local and independent insurance agency that serves clients in Knoxville. It offers renters' insurance coverage for policyholders' belongings and liabilities in case of a loss. The agency also assists clients in obtaining other insurance products for homes, mobile homes, farms, and churches. The agency's history can be traced back to the decision of Knox County farmers to establish the Farmers Mutual Fire Insurance Company on July 12, 1913.

  • Multiple Policy Types

105 Land Oak Road, Knoxville, TN 37922
WebsiteLicense: 2263438

Expertise.com Rating

Review Sources

Google
5.0 (24)

Why choose this provider?

Ryan Mahoney Insurance is a full-service agency that offers renters' insurance to its clients in the Knoxville area. The company uses its knowledge and expertise to assist them in determining the insurance coverage that best meets their needs, as well as educating them on their coverage options. Because of its affiliation with several insurance companies, it is able to put together comprehensive insurance packages. Ryan Mahoney Insurance also offers insurance plans for homeowners, landlords, and condominiums.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Dott Baker Insurance Agency
6334 Chapman Hwy, Knoxville, TN 37920
IRM Insurance
11002 Kingston Pike, Knoxville, TN 37934
Applegate Insurance Agency
301 South Gallaher View Road, Knoxville, TN 37919
Jared Hall
4313 Ball Camp Pike, Knoxville, TN 37921
ISG Insurance LLC
5418 Clinton Highway, Knoxville, TN 37912
Carlos Insurance
3010 North Broadway, Knoxville, TN 37917
Farmers Mutual of Tennessee
P.O. Box 3428, Knoxville, TN 37927
Ryan Mahoney Insurance
105 Land Oak Road, Knoxville, TN 37922

FAQs

  • Is it mandatory for Knoxville tenants to have renters insurance?

    Tenants in Knoxville are not required by law to obtain renters' insurance. However, property owners or leasing companies may make it a condition of renting. Although it is not a statewide requirement, purchasing a renters insurance policy can protect one's belongings from specific risks such as fires or thefts. Choosing to invest in such insurance ensures personal item protection, even if it is not explicitly required.

  • What are the primary coverages provided by renters' insurance in Knoxville?

    In Knoxville, standard renters' insurance typically includes four major coverages. To begin, personal property coverage protects items such as clothing, electronics, and furniture. Second, loss-of-use coverage assists in offsetting increased living expenses if a covered peril renders your rental unlivable. Third, personal liability coverage protects against legal claims resulting from bodily harm or property damage. Lastly, medical payments cover health-related expenses incurred as a result of covered incidents.

  • How can Knoxville residents determine the right amount of renters insurance?

    When determining the appropriate amount of renter's insurance, Knoxville residents should add up the replacement costs of all personal items they want to protect against loss or damage. Creating a detailed inventory with photos, model specifics, and purchase data simplifies claims. While landlords may insure the property, it is important to remember that only renters insurance covers personal belongings inside the home.

  • Why is guest medical coverage essential for renters in Knoxville?

    Guest medical coverage is essential in Knoxville because if a visitor is injured on your rental property, you, as the tenant, are financially responsible for their medical bills. While they may be able to claim these costs through your renter's insurance, a lack of coverage may force you to pay out of pocket. Landlord insurance typically does not cover such expenses, emphasizing the importance of having personal renters' insurance to protect oneself.

  • How does renters' insurance in Knoxville assist in the event of identity theft?

    Renters insurance in Knoxville can provide identity restoration coverage, which is important given the high risk of identity theft in the United States. This coverage assists victims by potentially compensating for expenses incurred as a result of identity theft incidents. Depending on the specific policy terms, these costs may include legal fees, lost wages during the resolution process, and various restoration charges.

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