Questions? Talk to a licensed agent(865) 588-3558

Tennessee Homeowners Insurance

Homeowners insurance that protects everything you've worked for

Your home is likely your biggest investment, and it deserves more than an off-the-shelf policy. As an independent agency, Newton Jones Agency compares coverage from multiple top-rated insurance companies to protect your home, your belongings and your budget, and we’re right here when you need to file a claim.

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Personal & Business Insurance

Insurance That's Friendly, Fast & Easy

Briefly working together, we'll get you the protection you request at a great price

Licensed In the Following States: Tennessee & Georgia

Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

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Since 1966

Protecting local homes and families

Many carriers

Compared side by side, for you

One agency

For your home, auto, life and business

For a quote or a full coverage review

Why homeowners choose us

No two homes are alike, and neither are our policies

Buying a policy off the shelf can leave a costly gap between what you need and what you actually have. We take the time to understand your home, then match you with the right coverage from the companies we represent.

We shop, you save

We compare policies from multiple insurance companies, so you see real options side by side and get strong protection at a competitive price.

Coverage that fits your home

From the age of your roof to the value of your belongings, we look at the details that matter and help you avoid being underinsured.

Here when disaster strikes

Storms, fires and break-ins are stressful. You’ll have a local agent who knows your policy and will guide you through the claims process.

Coverage explained

What a strong homeowners policy protects

We’ll help you build a policy with the right limits and endorsements for your property, your possessions and your peace of mind.

Your dwelling

Pays to repair or rebuild the structure of your home after covered damage from fire, wind, hail, lightning and more.

Other structures

Protects detached garages, sheds, fences and other structures on your property.

Personal belongings

Covers furniture, electronics, clothing and other possessions against theft and covered damage, at home or away.

Personal liability

Protects you if someone is injured on your property or you accidentally damage someone else’s property, including legal defense.

Additional living expenses

Helps pay for a hotel, meals and other extra costs if a covered loss makes your home unlivable.

Flood and extra protection

Standard policies don’t cover flood. We can add flood insurance, water backup, valuables coverage and other endorsements that close common gaps.

Coverage descriptions are general summaries. Your policy documents govern the actual coverage, limits and exclusions.

Insure your home for what it would cost to rebuild, not what you paid for it.

Advice from our licensed agents

Avoid costly surprises

Is your home insured for what it would cost to rebuild today?

Construction costs change, homes get updated and belongings add up. If your coverage hasn’t kept pace, a major loss could leave you paying the difference. We’ll review your dwelling limit, deductibles and endorsements, so you’re protected for what it would really take to rebuild.

Get My Coverage Review

Ways to save

Discounts you may already qualify for

We look for every discount you are eligible for, and because we compare multiple companies, we can find the one that rewards your home best.

Bundle with auto insurance

Bundling home and auto
Alarms and protective devices
A newer or updated roof
A claims-free history
New or renovated homes
Smoke detectors and sprinklers
Paying in full or by auto-pay
Paperless billing

Available discounts and eligibility vary by insurance company.

How it works

Your new home policy in four easy steps

No pressure and no runaround. Just a simple process that fits your schedule.

Tell us about your home

Share a few details about your home and belongings online or by phone. It only takes a few minutes.

We shop the market

We compare coverage and pricing from the insurance companies we represent.

Review your options

A licensed agent walks you through your best choices and answers every question.

Rest easy at home

Choose your policy and we’ll handle the details, including proof of coverage for your mortgage company.

Questions, answered

Homeowners insurance FAQs

How much homeowners insurance do I need?

Enough to rebuild your home at today’s construction costs, replace your belongings and protect your savings from a liability claim. We’ll help you estimate each one.

Does homeowners insurance cover flooding?

Standard homeowners policies do not cover flood damage. We can help you add a separate flood policy so you’re not caught off guard.

Can I bundle my home and auto insurance?

Yes, and it’s often one of the easiest ways to save. We can quote your home and auto together and compare bundle pricing across companies.

Will getting a quote change my current policy?

No. A quote doesn’t change or cancel anything. You review your options first, and nothing takes effect until you confirm it with a licensed agent.

Let’s get started

Ready to protect your home for less?

Get a free, no-obligation homeowners quote from Newton Jones Agency today. It only takes a few minutes, and a friendly local agent is always just a phone call away.