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Looking for Homeowners Insurance in Nashville, Middle Tennessee or Kentucky?
Whether you are insuring a single-family home, mobile home, townhouse or condo, we will work with you to find a home insurance policy that fits your needs. If you are a renter or a landlord, we have you covered, too.
When you are buying a home, lenders will require you to carry homeowners insurance to protect your greatest investment. Our Licensed Insurance Ninjas work to provide you with tailored coverage, quality service and fair pricing to protect your investment because we know that the unexpected happens and we are here to help you protect it.
You choose which policy coverage is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property or Contents Coverage helps replace these items if they are lost, stolen or destroyed as a result of a covered loss. Personal property (except property that is specifically excluded) is covered anywhere in the world. For example, suppose that while traveling, you purchase a dresser and you want to ship it home. Your homeowners policy would provide coverage for the “named perils” while the dresser is in transit — even though the dresser has never been in your home before.
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
Medical coverage covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
If you can’t live in your home because of a covered loss, your home insurance policy will pay Additional Living Expenses or Loss of Use — commonly for up to 24 months — while damage is assessed and your home is repaired or rebuilt.
There are additional coverages you may want/need on your homeowners insurance policy that are not automatically included. Talk to your Insurance Ninja to see if any of these coverages are needed to protect your home.
The standard insurance policy does NOT pay for direct damages caused by earthquake, floods or sinkhole collapse. This coverage may be available by endorsement for an additional charge. If you live in an area of Middle Tennessee or Kentucky that is susceptible to any of these natural disasters, you’ll pay more on flood or sinkhole coverage than if you live somewhere unlikely to have an earthquake, flood or sinkhole.
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What are some practical things I can do to lower the cost of my home insurance?
What does homeowner’s insurance cover in Tennessee?
What factors should I consider when purchasing homeowner’s insurance?
What are the policy limits (i.e., coverage limits) in the standard homeowner’s policy?
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*We provide coverage on an individual basis. Client has the right to waive coverage he/she does not want without placing liability on the agent or agency.
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