Short answer: Under Tenn. Code §56-7-1901, an insurer that won't renew your homeowners policy must give you at least 30 days' notice before it expires. Earthquake damage is generally excluded from standard homeowners policies and needs a separate endorsement, which matters near the New Madrid zone in West Tennessee. For claim disputes, contact the Tennessee Department of Commerce & Insurance at 1-800-342-4029.
Non-renewal notice
§56-7-1901 requires at least 30 days' notice before expiration for personal risk insurance, which includes homeowners policies.
Earthquakes
Standard homeowners policies generally exclude earth movement. Ask about an earthquake endorsement, especially in West Tennessee, and check its separate deductible.
Filing a claim
The Tennessee Department of Commerce & Insurance (TDCI) consumer guide to home insurance recommends that you:
- Report damage promptly
- Protect the home from further damage and keep receipts
- Keep notes of every conversation
- Ask for an itemized explanation of the settlement
TDCI also posts claims guidance on its disasters page. If you disagree with a settlement, call TDCI Consumer Insurance Services at 1-800-342-4029.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Tennessee.
Frequently asked questions
How much notice is required for a non-renewal in Tennessee?
At least 30 days before the policy expires.
Does Tennessee homeowners insurance cover earthquakes?
Usually not. You need a separate endorsement or policy.
Who can help with a claim dispute?
TDCI Consumer Insurance Services, at 1-800-342-4029.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.