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West Knoxville Office 865.268.8370
North Knoxville Office 865.246.2958

Renters Insurance in Knoxville, TN and Surrounding Areas

Protecting Renters in Knoxville, TN

Renters insurance is a form of property insurance that covers a policyholder’s belongings and protects against liabilities within a rented property.  This type of insurance applies to individuals who rent or sublet a home, apartment, condo, or other dwelling.  For college students, renters insurance can be vital; it keeps the costs of replacing personal belongings minimal or non-existent and allows students to focus on studying.  If ever a student has vacate a dwelling temporarily, living expenses during the interim can also be covered. 


At Knoxville Insurance Group we have a comprehensive renters insurance program that suits any dweller and can be adapted to this dwellers needs.  If you’d like to learn more about our program, please contact an agent or request a quote.  You can also read on. 

Coverages and a Policy Tailored to You

Depending on your policy, your renters insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost.  ACV insures your belongings up to the amount that they are currently worth, while Replacement Cost pays for the expenses of replacing your belongings with new ones.  If you’re a college student, Replacement Cost is critical option, as exposures for which you’re not responsible or at fault often arise.  A stove left on, a pipe plugged up, and an unruly visitor can cause damages, and the costs of these damages are not things for which you should be responsible for paying. 

Some campuses are in or near high-risk flood zones.  If your school is in or close to one of these zones, you might consider flood insurance.  Flood insurance is administered through the National Flood Insurance Program but your agent from Knoxville Insurance Group can help you get this insurance.  You can view a FEMA-issued flood map to help determine the risk caliber of your area.

Additional coverages available to you include medical payments and expenses and legal support if someone is injured on your property and you are sued and ‘loss of use’ coverage if you have to temporarily live in another dwelling while yours is repaired or upgraded.  These and other coverages can be selected with the help of an agent, and this agent will ensure that you are totally protected for the right price. 

Working with Knoxville Insurance Group

We will perform a full assessment of your needs and will give you a complete report.  Using this report you and your agent can make the right coverage selections and create a policy and/or package that fits best.  Once you have a policy and/or package, your agent will manage risk and claims, monitor your coverage regularly, and be fully available.  As a result you’ll be fully protected and will be able to reach your agent whenever and however you need to reach him or her.

Please contact us or give us a call to learn more or to get started.  You can also request a quote.


Knoxville Insurance Group is proud to provide renters insurance in Knoxville, Farragut, Powell, Lenoir City, Maryville, and Halls, TN.  We also serve other areas in the state and we serve North Carolina. 

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Our Locations

Knoxville Office

220 S Peters Rd. #103
Knoxville, TN 37923
Main office: 865-268-8370
Fax: 865-769-3701

North Knoxville Office

4911 Jacksboro Pike
Knoxville, TN 37918
Main office: 865-246-2958
Fax: 865-246-2957

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.