Home Insurance Non-Renewals in Tennessee, County by County
0.96 percent of Tennessee homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.98% | 0.83% | 0.53% | 0.72% | 0.68% | 0.96% |
The Tennessee series has plenty of motion in it and almost no trend. Adding the five year-on-year steps without their signs gives 0.96 points of movement, against a net change of -0.02 points from 0.98 percent to 0.96 percent. It fell in three of those five steps and rose in two. That is 20th of 51 on the 2023 rate. The last step was up. Under the 2023 rate sit 7,916 policies the insurer chose not to renew out of 825,780 in force, against 7,529 out of 765,904 six years earlier, so the count of dropped policies rose over the file while the book behind it grew. The floor of the series is 0.53 percent in 2020. Among the 90 counties carrying at least 500 policies in 2023, Union carried the highest 2023 reading at 1.55 percent, 0.59 points above the state figure. In 2023, 45 of the 95 counties with a reading that year sat above the state rate. In 55 of the 95 counties with a reading in both years, 2023 came in above 2018. No county here reached the national top 100 counties by 2023 rate, a list that starts at 500 policies in force. Non-renewal is the insurer ending the policy at its term, not the homeowner leaving. It is the number that moves before a market goes hard, which is why the committee collected it.
Every county in the file
The last figure in each row is the 2023 policy base, and the sentences above that name a county or measure a gap count only the counties holding at least 500 policies. Five counties below sit under it and are printed anyway. A rate built on a handful of policies moves by whole points when one of them lapses, and the column is there so that shows.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Hancock | 2.29% | 1.46% | 0.00% | 0.63% | 1.14% | 2.27% | 176 | flat |
| Moore | 1.50% | 1.01% | 0.46% | 0.00% | 1.66% | 1.63% | 245 | up |
| Union | 0.83% | 0.59% | 0.49% | 0.62% | 0.65% | 1.55% | 1,802 | up sharply |
| Hardeman | 1.35% | 0.87% | 0.59% | 1.29% | 1.21% | 1.51% | 1,988 | up |
| Trousdale | 2.02% | 1.27% | 0.00% | 0.87% | 0.78% | 1.50% | 665 | down sharply |
| Van Buren | 0.87% | 0.83% | 0.76% | 1.71% | 0.92% | 1.47% | 339 | up sharply |
| Benton | 1.08% | 0.36% | 0.70% | 1.20% | 0.51% | 1.39% | 1,583 | up |
| Crockett | 0.50% | 0.67% | 0.49% | 1.59% | 1.07% | 1.34% | 672 | up sharply |
| Shelby | 1.34% | 1.00% | 0.63% | 1.07% | 0.97% | 1.34% | 124,827 | flat |
| Hickman | 0.92% | 0.77% | 0.46% | 0.60% | 0.56% | 1.32% | 1,967 | up |
| Chester | 0.95% | 0.59% | 0.11% | 0.42% | 0.90% | 1.31% | 994 | up |
| Jackson | 0.75% | 1.13% | 0.66% | 1.06% | 0.55% | 1.30% | 926 | up sharply |
| Bledsoe | 1.15% | 1.05% | 0.23% | 0.94% | 1.17% | 1.27% | 1,023 | up |
| Wayne | 1.08% | 0.74% | 0.87% | 0.68% | 0.50% | 1.26% | 637 | up |
| Hardin | 0.63% | 0.63% | 0.57% | 0.94% | 1.09% | 1.25% | 3,042 | up sharply |
| Tipton | 1.02% | 0.91% | 0.39% | 0.94% | 0.82% | 1.25% | 7,337 | up |
| McMinn | 0.93% | 0.89% | 0.63% | 0.68% | 1.02% | 1.24% | 5,728 | up |
| Humphreys | 0.78% | 0.74% | 0.48% | 0.98% | 1.45% | 1.23% | 1,793 | up |
| Henderson | 1.21% | 0.72% | 0.54% | 0.61% | 0.73% | 1.22% | 2,041 | flat |
| Lauderdale | 1.10% | 0.84% | 0.69% | 1.54% | 1.48% | 1.20% | 1,826 | flat |
| Unicoi | 1.44% | 0.57% | 0.37% | 1.34% | 0.51% | 1.20% | 1,167 | down |
| Houston | 1.63% | 1.57% | 0.73% | 0.90% | 0.60% | 1.16% | 517 | down |
| Johnson | 0.64% | 0.64% | 0.44% | 0.97% | 1.15% | 1.14% | 1,319 | up |
| White | 0.58% | 0.61% | 0.44% | 1.12% | 0.69% | 1.14% | 2,363 | up sharply |
| Franklin | 0.97% | 0.78% | 0.52% | 0.56% | 0.51% | 1.13% | 3,900 | up |
| Gibson | 0.62% | 0.79% | 0.60% | 0.90% | 0.71% | 1.13% | 3,354 | up sharply |
| Davidson | 1.13% | 1.06% | 0.70% | 0.82% | 0.69% | 1.12% | 88,003 | flat |
| Lincoln | 1.25% | 0.83% | 0.33% | 0.86% | 0.69% | 1.11% | 3,330 | down |
| Weakley | 0.76% | 1.15% | 0.53% | 1.43% | 0.83% | 1.11% | 1,705 | up |
| Rhea | 1.00% | 0.86% | 0.45% | 0.58% | 0.65% | 1.10% | 2,907 | up |
| Morgan | 0.60% | 0.80% | 0.31% | 0.63% | 0.69% | 1.08% | 2,224 | up |
| Haywood | 0.81% | 1.00% | 0.51% | 1.25% | 1.18% | 1.07% | 2,334 | up |
| Madison | 1.48% | 0.92% | 0.59% | 1.05% | 0.78% | 1.06% | 9,358 | down |
| Cannon | 1.11% | 0.87% | 0.53% | 1.17% | 0.77% | 1.05% | 1,052 | flat |
| Fayette | 0.81% | 0.75% | 0.30% | 0.61% | 0.74% | 1.05% | 6,938 | up |
| Meigs | 0.31% | 1.24% | 0.52% | 0.44% | 0.73% | 1.04% | 1,922 | up sharply |
| Anderson | 0.86% | 0.90% | 0.49% | 0.59% | 0.60% | 1.03% | 10,608 | up |
| Obion | 0.63% | 0.63% | 0.16% | 1.34% | 0.99% | 1.02% | 2,051 | up |
| Macon | 0.42% | 0.67% | 0.70% | 0.32% | 0.43% | 1.01% | 1,479 | up sharply |
| Dekalb | 0.52% | 0.77% | 0.45% | 0.76% | 0.75% | 0.98% | 1,931 | up |
| Grundy | 1.51% | 0.92% | 0.37% | 1.29% | 0.29% | 0.98% | 1,020 | down sharply |
| Smith | 0.66% | 1.03% | 0.48% | 1.14% | 0.76% | 0.98% | 1,326 | up |
| Cheatham | 1.16% | 0.90% | 0.63% | 0.67% | 0.47% | 0.97% | 4,328 | down |
| Decatur | 0.94% | 0.27% | 0.77% | 1.56% | 0.68% | 0.97% | 927 | flat |
| Dickson | 1.05% | 0.77% | 0.48% | 0.64% | 0.44% | 0.97% | 5,480 | flat |
| Roane | 0.78% | 0.88% | 0.46% | 1.04% | 0.82% | 0.96% | 5,299 | up |
| Sullivan | 0.71% | 0.65% | 0.51% | 0.64% | 0.84% | 0.96% | 19,532 | up |
| Washington | 1.10% | 0.80% | 0.45% | 0.60% | 0.77% | 0.96% | 14,947 | down |
| Campbell | 0.94% | 0.52% | 0.55% | 0.46% | 1.04% | 0.94% | 4,988 | flat |
| Hawkins | 0.88% | 0.68% | 0.47% | 0.68% | 0.74% | 0.92% | 5,665 | flat |
| Robertson | 0.97% | 0.84% | 0.48% | 0.63% | 0.49% | 0.91% | 10,755 | flat |
| Marion | 1.01% | 0.75% | 0.65% | 1.16% | 0.64% | 0.90% | 6,121 | down |
| Clay | 0.19% | 0.56% | 0.37% | 0.54% | 0.35% | 0.89% | 561 | up sharply |
| Monroe | 0.68% | 0.71% | 0.39% | 0.59% | 0.56% | 0.89% | 5,629 | up |
| Rutherford | 0.90% | 0.77% | 0.50% | 0.54% | 0.49% | 0.88% | 42,706 | flat |
| Sevier | 0.75% | 0.58% | 0.44% | 0.45% | 0.59% | 0.88% | 13,140 | up |
| Giles | 0.90% | 0.57% | 0.65% | 1.09% | 0.98% | 0.86% | 2,197 | flat |
| Perry | 1.12% | 1.99% | 0.21% | 0.58% | 0.35% | 0.86% | 584 | down |
| Warren | 0.63% | 0.68% | 0.49% | 1.03% | 1.10% | 0.86% | 3,584 | up |
| Carter | 0.81% | 0.71% | 0.53% | 0.96% | 0.68% | 0.85% | 4,573 | flat |
| McNairy | 0.68% | 0.83% | 0.54% | 1.02% | 0.94% | 0.85% | 2,926 | up |
| Lawrence | 0.61% | 0.77% | 0.35% | 0.58% | 0.81% | 0.84% | 3,464 | up |
| Sumner | 0.73% | 0.76% | 0.42% | 0.52% | 0.46% | 0.84% | 27,061 | up |
| Williamson | 0.74% | 0.78% | 0.58% | 0.50% | 0.50% | 0.84% | 36,737 | flat |
| Bedford | 0.70% | 1.20% | 0.46% | 0.59% | 0.59% | 0.83% | 3,492 | up |
| Carroll | 0.56% | 1.11% | 0.62% | 0.93% | 1.00% | 0.83% | 1,560 | up |
| Polk | 0.69% | 1.09% | 0.52% | 0.83% | 0.93% | 0.81% | 1,968 | up |
| Greene | 0.86% | 0.50% | 0.42% | 0.74% | 0.60% | 0.79% | 5,812 | flat |
| Hamilton | 1.02% | 0.80% | 0.51% | 0.73% | 0.71% | 0.79% | 53,204 | down |
| Bradley | 0.92% | 0.81% | 0.47% | 0.59% | 0.61% | 0.78% | 13,350 | down |
| Hamblen | 1.02% | 0.53% | 0.38% | 0.70% | 0.66% | 0.77% | 5,456 | down |
| Henry | 0.81% | 0.62% | 0.25% | 0.84% | 0.92% | 0.77% | 3,118 | flat |
| Knox | 0.85% | 0.82% | 0.47% | 0.48% | 0.48% | 0.77% | 71,243 | flat |
| Montgomery | 1.04% | 0.46% | 0.40% | 0.48% | 0.56% | 0.77% | 23,522 | down |
| Wilson | 0.76% | 0.65% | 0.43% | 0.69% | 0.47% | 0.76% | 20,760 | flat |
| Coffee | 1.09% | 0.80% | 0.27% | 0.51% | 0.61% | 0.72% | 4,697 | down |
| Overton | 0.44% | 0.63% | 0.40% | 0.73% | 0.34% | 0.72% | 1,242 | up |
| Cumberland | 0.58% | 0.51% | 0.19% | 0.45% | 0.58% | 0.70% | 6,424 | up |
| Putnam | 0.84% | 0.58% | 0.34% | 0.71% | 0.51% | 0.70% | 7,451 | down |
| Lewis | 1.40% | 1.10% | 0.77% | 1.44% | 0.70% | 0.69% | 864 | down sharply |
| Claiborne | 0.63% | 0.52% | 0.38% | 0.66% | 0.52% | 0.68% | 2,664 | flat |
| Maury | 1.11% | 0.69% | 0.52% | 0.53% | 0.70% | 0.68% | 15,009 | down |
| Sequatchie | 1.07% | 0.41% | 0.29% | 0.39% | 0.56% | 0.67% | 3,896 | down |
| Blount | 0.77% | 0.95% | 0.56% | 0.43% | 0.50% | 0.66% | 16,115 | down |
| Grainger | 0.88% | 0.63% | 0.39% | 0.62% | 0.57% | 0.66% | 2,124 | down |
| Cocke | 0.52% | 0.82% | 0.73% | 0.44% | 0.53% | 0.65% | 3,376 | up |
| Jefferson | 0.54% | 0.74% | 0.61% | 0.46% | 0.55% | 0.61% | 6,705 | flat |
| Loudon | 0.73% | 0.67% | 0.26% | 0.51% | 0.47% | 0.61% | 9,441 | down |
| Marshall | 1.18% | 0.59% | 0.36% | 0.69% | 0.57% | 0.60% | 3,662 | down sharply |
| Scott | 0.48% | 0.55% | 0.72% | 0.31% | 0.56% | 0.57% | 1,748 | flat |
| Dyer | 0.40% | 0.56% | 0.52% | 0.47% | 0.89% | 0.56% | 2,519 | up |
| Pickett | 0.63% | 0.32% | 0.30% | 1.71% | 0.81% | 0.51% | 389 | down |
| Fentress | 0.84% | 0.95% | 0.36% | 0.62% | 1.05% | 0.41% | 1,229 | down |
| Lake | 1.84% | 1.86% | 0.46% | 1.31% | 2.01% | 0.38% | 261 | down sharply |
| Stewart | 1.09% | 1.04% | 1.15% | 0.65% | 1.08% | 0.35% | 856 | down sharply |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Notice periods before a non-renewal are set by state law and this desk has not yet sourced the Tennessee statute. The states it has checked are on the coverage map. For Tennessee, the department of insurance is the record that governs.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.