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Tennessee Home with Home Insurance Coverage

Home Insurance

Home Insurance

In Tennessee, home insurance is not required by the state. However, due to the recent surge of floods, tornadoes, and hailstorms, every homeowner in the Volunteer state understands how important home insurance is. It protects you as a homeowner, the house itself, and all the belongings and contents in the house. If you are shopping for proper coverage for your house, Tennessee Insurance Associates has prepared the list of things you should know:

  1. Home insurance is required by most lenders. Even though in general, it is not mandatory to carry homeowners' insurance in the Volunteer State, most mortgage lenders will require it. Therefore, if you are thinking of getting a mortgage, you need to buy home insurance first.
  2. Many things are not covered. Many homeowners are surprised to find out that not everything is covered by home insurance. For example, the water damage from the pipe that breaks inside a house is covered, while any damage by water coming from outside is not. In general, all the damages that could be prevented by proper home maintenance are not covered by home insurance.
  3. Maintaining a home inventory is important. To take stock of all your belongings is paramount because it helps to determine a sufficient personal property coverage amount. Moreover, having a home inventory is also helpful during the claims process.

Home insurance is not a luxury today - it is a necessity and protection against any unexpected circumstances and situations that can happen at any time. It helps you to be prepared when disaster strikes. If you are a homeowner in the Volunteer state and you are shopping for home insurance, Tennessee Insurance Associates is here for you. We will guide you through the process of finding the perfect plan and make this process for you as easy as possible. Call us today and find out about the options available.

Our Trusted Partners

  • Banner Life under LGA
  • Metlife
  • Principal Life Insurance
  • Safeco
  • Trexis Insurance