Home insurance may cover several key areas:

• Dwelling coverage for your home's structure.

• Personal property coverage for your belongings.

• Liability coverage in case of injuries or damage to others on your property (subject to your contract).

• Increased cost of living expenses when a covered loss makes your home uninhabitable.

• Other structures on your property, like a garage or shed.

The amount of home insurance you need depends on factors like your home's value, location, and personal belongings. To determine the right coverage, consider the value to repair or rebuild your home, the value of your possessions, and potential liability risks. Consulting with an insurance agent can help you tailor a policy that meets your specific needs and provides adequate protection.

The cost of home insurance in Tennessee varies based on factors like your location, the value of your home, and the coverage you choose.

Though we do not offer flood and earthquake insurance, your agent can help you find those kinds of coverage through our brokerage program.

Tennessee does not legally require renters to have renters insurance. However, many landlords may require it as part of the lease agreement.

• Dwelling Coverage: Repairs or replacement for damages to the mobile home's structure.

• Personal Property Coverage: Protection for personal belongings within the mobile home.

• Liability Coverage: Coverage for injuries or property damage to others.

• Additional Living Expenses: Increased cost of living expenses when a covered loss makes your mobile home uninhabitable.

Condominium insurance is a type of insurance policy designed for condo owners. It may cover personal property, interior structural elements, liability, and potential loss assessments from the condominium association.

Hazard insurance for a home is a component of your home insurance policy that specifically protects against damages caused by specific hazards, such as fire, lightning, windstorms, and other perils. It is often included in standard home insurance policies.

Before you turn in a formal application for property insurance, an agent will stop by to inspect and take pictures of your home. The agent will check things like the condition of the home, the kinds of material your home is made out of, and potential hazards. We do this to make sure you have the right kind of policy for your property.