Affordable Rental Property & Landlord Insurance in Knoxville, TN | IRM Insurance
Owning rental property in East Tennessee can be extremely profitable — until one storm, lawsuit, or bad tenant wipes out years of income.
If you own a cabin in the Smokies, a Knoxville Airbnb, or an apartment building, you need real landlord insurance — not homeowner’s insurance pretending to be.
IRM Insurance Knoxville helps property owners across Knoxville, Oak Ridge, Maryville, Farragut, Halls, Lenoir City, Loudon, Alcoa, Kingston, Crossville, and Morristown get the best coverage at the lowest cost with zero pressure.
📍 11002 Kingston Pike, Suite 103, Knoxville, TN 37934
📞 865-579-0500
🌐 knoxvilleinsurancestore.com
We are licensed in Tennessee and multiple states for personal lines, commercial insurance, bonds, yachts, boats, events, and new ventures.
Why Knoxville Landlords Need Specialized Insurance
Knoxville isn’t Phoenix. And it’s not Miami.
We have:
Mountain windstorms
Heavy rain and flash flooding
Winter pipe freezes
Short-term renters who treat cabins like frat houses
A standard homeowners policy will deny claims when:
You rent on Airbnb or VRBO
A guest gets injured
You lose rental income after a fire or storm
That’s why landlords need DP-3 landlord policies and short-term rental endorsements — not homeowner wishful thinking.
Insurance for Smoky Mountain Cabins & Vacation Rentals
If you own a cabin in Gatlinburg, Sevierville, Pigeon Forge, Townsend, or the Smoky Mountain ridges, your risks are higher — and so are denied claims if you’re insured wrong.
We insure cabins against:
Wind, hail, ice & fallen trees
Wildfire and lightning
Vandalism during vacant months
Burst pipes from winter freezes
Liability from guest injuries
Our cabin and short-term rental policies also include loss of rental income, so your mortgage doesn’t keep charging while your cabin is closed.
Airbnb & Short-Term Rental Insurance in Knoxville
Airbnb’s Host Guarantee is not real insurance. It’s a marketing program with loopholes.
IRM Insurance Knoxville provides true short-term rental coverage for properties in:
Downtown Knoxville
West Knoxville
Bearden
Cedar Bluff
Farragut
Hardin Valley
Our policies include:
Commercial liability
Guest damage
Fire & storm coverage
Permit-compliant insurance for Knoxville STR rules
If the city or a neighbor files a claim, Airbnb won’t save you — a real policy will.
Apartment Buildings & Multi-Unit Property Insurance
Own a duplex, quadplex, or apartment building in Powell, Halls, Strawberry Plains, Maryville, or Alcoa?
We insure:
Buildings
Common areas
Parking lots
Pools and clubhouses
Mixed-use residential & commercial spaces
Our landlord and commercial property policies include:
Building replacement cost
Code upgrade coverage
Liability protection
Loss of rents
Why Property Owners Choose IRM Insurance Knoxville
We are not a captive insurance agency.
That means we shop multiple carriers — not just one overpriced company.
We specialize in:
Personal lines
Commercial & business insurance
Bonds
Yachts & boats
Events
New ventures
Our clients get:
The best coverage at the lowest cost
Zero pressure
A local office on Kingston Pike
Real humans who answer the phone
Frequently Asked Questions
What insurance do I need for a rental property in Knoxville?
You need a Landlord (DP-3) policy that includes property, liability, and loss of rental income. If you do short-term rentals, you need an STR endorsement or commercial policy.
Does homeowners insurance cover Airbnb?
No. Almost all homeowners policies exclude business use. Airbnb claims are routinely denied when people rely on homeowner insurance.
Where is IRM Insurance Knoxville located?
📍 11002 Kingston Pike, Suite 103, Knoxville, TN 37934
📞 865-579-0500
🌐 knoxvilleinsurancestore.com
Get a Knoxville Landlord Insurance Quote Today
Whether you own one Airbnb or twenty rental units, IRM Insurance Knoxville will find the best coverage at the lowest cost with zero pressure.
We proudly serve:
Knoxville, Oak Ridge, Maryville, Halls, Lenoir City, Loudon, Tazewell, Crossville, Morristown, Strawberry Plains, Alcoa, Louisville, Kingston, and Norris — and we’re licensed in multiple states.
📞 Call 865-579-0500
🌐 knoxvilleinsurancestore.com
Your rental property makes money.
Your insurance should protect it — not screw you when it counts. 🐐