Nashville, Tennessee
Home Insurance
Your home is perhaps your most valuable possession. We work with insurers who have been in the business for decades, and will be there in the event disaster strikes and your home is damaged. Plus, get competitive rates with our multi-line insurance discounts.
It's Not Just a House. It's Your Home.
So much of what is important to us has its foundation at home. Homeowner's insurance is designed to protect your biggest asset from disasters such as fire, water damage, burglary, windstorm, theft, vandalism, and malicious damage. Homeowner's policies may also include liability coverage for injuries caused by accidents that occur within your home.
So whether you're a first-time home buyer or a current homeowner, home insurance is a must, and is typically required by law.
What Is Covered
Property Damage
Most policies cover damage resulting from fire, wind, hail, and water damage (unless excluded in your policy).
Personal Property
Items like furniture, appliances, clothing and more are often covered by a home policy when destroyed by forces included in “damaged property.” If you have specific items you want to ensure are covered, be sure to talk with your insurance agent about them.
Valuables
A home policy often covers jewelry loss between $500 and $2,000. You may want to consider more coverage in order to fully cover your jewelry collection.
Personal Liability
If someone is injured on your property, or you're found responsible for damage to someone else, personal liability coverage can help with legal costs and claims up to your policy's limits.
Unexpected Expenses
If a covered loss makes your home unlivable, additional living expenses coverage can help pay for temporary housing while your home is repaired. It may also help cover medical bills if someone is injured on your property.
What Homeowners Insurance Does Not Cover
- Earthquakes
- Flooding due to natural rising water
- Maintenance issues such as termites and insect damage, rodents, mold, and general wear and tear
- Nuclear hazard
Some Typical Situations
You're a Victim of Theft
Risk
You return from picking up your kids from school to find that your house has been broken into and all your televisions have been stolen.
Coverage
If your items are stolen, damaged or destroyed in an insured loss, your policy can help replace them depending on your policy's stated limits.
You Have a Bedroom Fire
Risk
Your sweet cat was a little too frisky and knocked over a lit candle in your bedroom. You catch it before your whole room goes up in flames but two walls and the carpet are damaged by the flames.
Coverage
Property coverage in your homeowner's policy can help if your home is damaged by fire and/or smoke.
A Guest Is Injured
Risk
A guest at your child's pool party slips and falls and breaks their leg on your back patio.
Coverage
Medical payments coverage can cover the medical costs if a guest is hurt on your property.
Your Home Is Hit By a Tornado
Risk
Luckily you and your family were out of town when a tornado tore through your neighborhood. Your home is damaged by the tornado and is no longer in livable condition.
Coverage
Coverage for tornado damage and additional living expenses while your home is repaired can be covered by your policy.
Whether you own or are buying your first home, we can help you find coverage that fits your life and your budget.
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Our coverage gives you the peace of mind you need so you can focus on what matters most to you: your business, home, and life.