Homeowners Insurance

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Home Insurance in Tennessee – Protect Your Home in Morristown & Beyond

Your home is more than a structure—it’s your biggest investment and where life happens. At Queener Insurance, we help homeowners across Tennessee—from classic homes in Morristown to cabins in Sevierville—get coverage that fits. Whether you need to insure a family house, a rental property, or a lakefront home near Dandridge, we’ll make sure your policy protects what matters most.

Homeowners Insurance That Covers What You Care About

A standard homeowners insurance policy covers much more than just your roof. Our agents walk you through each part of the coverage so you know what’s protected and what’s not:



  • Dwelling Coverage – Pays to rebuild your home if it’s damaged or destroyed by a covered event.

  • Other Structures – Covers detached buildings like garages, sheds, or fences.

  • Personal Property – Protects your belongings inside the home, like furniture, electronics, and clothes.

  • Liability Protection – Covers legal expenses if someone is injured on your property or you accidentally damage someone else’s.

  • Loss of Use – Helps pay for housing and living expenses if your home is temporarily unlivable due to a covered claim.

We tailor policies based on rebuild costs in your neighborhood—not just national averages—so your coverage reflects local construction prices and risks.

Extra Coverage for Tennessee Homes

Not every risk is covered by a standard policy—but we can help you add protection where it’s needed:



  • Flood Insurance – Not included in regular home insurance. If you live near water or in a floodplain, we can get you covered through the NFIP or private carriers.

  • Water Backup Coverage – Helps with sewer or drain backups that can occur during heavy East Tennessee storms.

  • Scheduled Property – Provides extra coverage for valuables like jewelry, firearms, collectibles, or antiques.

  • Umbrella Insurance – Extends your liability protection beyond home and auto limits for added peace of mind.

  • Mobile Home Insurance – We offer policies tailored to manufactured homes across Tennessee.

Whether you own a brick ranch in Jefferson City or a vacation cabin near the Smokies, we’ll build the right policy for your lifestyle.

Local Knowledge That Makes a Difference

We understand what Tennessee homeowners face—because we’re based here. From wind and hailstorms to aging plumbing in historic Morristown homes, we’ll make sure there are no gaps in your coverage.



We know:


  • The fire risks in wooded areas outside Rogersville
  • The rebuild costs for newer construction in Dandridge
  • What storm damage really looks like in Sevier County
  • Why you might need extra dwelling coverage in a high-demand housing market

Our agents bring local insight you won’t get from a national call center.

Ways to Save on Your Home Insurance

We help our clients get the best rate possible—not just the cheapest. Ask us about:


  • Bundling Home & Auto
  • New Roof or Renovation Discounts
  • Claim-Free History Discounts
  • Security Systems or Smart Home Devices
  • Gated Community or Fire Department Proximity Credits

We’ll apply every eligible discount and check multiple carriers to find your best match.

More Than Just Homeowners

Not a homeowner? We also offer:


  • Renters Insurance – Affordable protection for your belongings in a rental.
  • Landlord Insurance – Coverage for rental properties and investment homes.


Explore Renters Insurance →

Request Your Home Insurance Quote Today

Don’t wait for a loss to find out your coverage wasn’t enough. Get started with a free home insurance quote from Queener Insurance today. We’ll walk you through what we need—your address, year built, construction details—and shop top-rated carriers for the best policy.


And if you bundle with auto? Even better.

  • Does homeowners insurance in TN cover tornado or storm damage?

    Yes—standard home insurance typically covers wind and storm damage, including tornadoes. Tennessee weather can be unpredictable, so this coverage is important. Flood damage, however, is not covered unless you have a separate flood policy.

  • I have a home-based business. Is that covered by my home insurance?

    Not fully. Home insurance only provides limited coverage for business-related property and liability. If you work from home or run a side business, we can add endorsements or a small business policy to cover that risk properly.

  • What’s the difference between actual cash value and replacement cost?

    Replacement cost covers the full cost to rebuild or replace your home or belongings without factoring in depreciation. Actual cash value pays less based on age or condition. We usually recommend replacement cost coverage for full protection.

  • Do you insure mobile or manufactured homes in Tennessee?

    Yes—we offer specialized coverage for mobile and manufactured homes throughout the state. Just let us know what type of home you have and we’ll find the right policy.