You’ve made a substantial investment in your home and your possessions. If something unfortunate were to occur to these treasured assets, would you be able to recover financially? Homeowners insurance can help ensure you have the financial protection to repair, rebuild and replace after a covered loss. It can also provide a layer of financial protection against potential liability claims filed against you. However, determining how much coverage you need can be complicated. At the Tennessee Auto Insurance Agency, we can help you navigate the complexities of insurance and to get a home insurance policy that gives you optimal protection.

What Does Homeowners Insurance Cover?

Homeowners insurance is considered a package policy because it includes home protection and liability coverage. Four essential coverages are generally part of a homeowners policy, and these include the following:

·        Liability protection may pay the costs of medical bills and lawsuits for bodily injury or property damage that you or a family member causes. Your homeowners policy might also pay your court costs and awards up to your policy’s limit.

·        Personal belongings coverage may pay for furniture, clothing, sports equipment and other personal items stolen or destroyed by a covered disaster. You might need a personal property endorsement or floater to insure any expensive items for their appraised value.

·        Property structure coverage may help pay to repair or rebuild your home if it’s damaged or destroyed by a covered event.

·        Additional living expenses protection may help pay your living costs if you need to live elsewhere because of a covered incident. Your coverage might pay your hotel bills, restaurant meals and other living expenses up to your policy’s limit.

How Does Home Insurance Work?

The claims filing process varies by insurer, but it is typical that you must file a claim with your insurer to be compensated for a covered loss. After you file your claim, your insurer will review it and decide whether it is valid, and if it is, they will issue a check so you can begin to make repairs and replace your belongings. You must maintain contact with your agent throughout the claims process to address any questions or concerns. Speak to your agent to determine how their specific process works.

How Much Home Insurance Do I Need?

Mortgage lenders often require a home insurance policy before financing a home. Without coverage, you might have to cover damages out of pocket, which can be costly. Even if your lender doesn’t require home insurance, you may want to purchase coverage for the financial protection it can provide. As to the amount of home insurance you might need, we can help you get the appropriate coverage.

Where Do I Get Homeowners Insurance?

Your insurance company can help you with a homeowners insurance policy. At the Tennessee Auto Insurance Agency, we can help ensure you have adequate coverage for your home and possessions.

Tennessee Auto Insurance has been servicing the residents of Murfreesboro, Smyrna, La Verge, Hendersonville, Shelbyville, Nashville, Franklin, Antioch, Mount Juliet, Manchester, Woodbury, Columbia and other areas of middle Tennessee since 1998. We can work with you to help you get a suitable homeowners policy. Call 615-893-6177 to speak with an agent.