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Tennessee Homeowners Insurance

Your home is one of the largest personal investments you will ever make. That's why it is imperative to make sure it is covered by the best Tennessee homeowner's insurance available.

InsureMe makes the daunting task of finding homeowner's insurance easy. By submitting your information, we will put you in touch with up to five agents who are eager to compete for your Tennessee home insurance business.

Don't waste your time surfing the Internet in search of the right insurance company. InsureMe is here to do the work for you.

Getting Acquainted with Your Tennessee Homeowners Insurance

What is homeowner's insurance?

Homeowners insurance protects you from financial losses caused by disasters and incidentals such as storms, fire and theft. A standard policy protects your home and the items you keep in it. Homeowners insurance is also a "package policy," which means that your Tennessee homeowner's insurance policy covers both damage to your property and your liability for any injuries you or your family members cause to other people.

Can I own a home without Tennessee homeowner's insurance?

You can legally own a home without homeowner's insurance, but if you have financed the purchase of your home with a mortgage, your lender will most likely require you to take out a homeowner's insurance policy. This protects their investment in the event of fire, tornado and other disasters. Once your mortgage is paid off no one will force you to keep your Tennessee homeowner's insurance, but it is simply not worth the risk to cancel your policy and chance losing all that you've invested in your home.

How do I choose my company?

This may be the easiest part of your quest for homeowner's insurance, as InsureMe is here to find the most competitive quotes in your area. By completing the box to the right, we will provide you with up to five quotes and put you in touch with agents who are vying for your business. Finding homeowner's insurance in Tennessee has never been more convenient.

You will also want to think about the following while shopping:

  • Consider your geography.
    You are likely to pay more for insurance in areas prone to severe weather and natural disasters. You may also pay more for home insurance depending on your neighborhood — living in close proximity to the fire department may cost you less, while buying that farm 20 miles out of town may cost you more as it would take longer for emergency help to reach you.
  • Learn to love maintenance.
    Homeowners that file claims for minor problems may pay higher premiums and could risk losing their insurability, not to mention the fact that addressing smaller maintenance issues can prevent a more substantial loss down the road.
  • Choose wisely.
    Before purchasing your Tennessee homeowner's insurance, review the company's rankings on customer satisfaction, check their complaint record and asses the company's financial security. Check Tennessee's state department of insurance and such analyst companies as A.M. Best and JD Power for unbiased information.

How do I know which policy is right for my home?

There are six basic types of Tennessee homeowner's insurance. Consider the following:

  • HO-1: This basic policy covers your dwelling and personal property against losses from 11 perils. Some of these perils include fire and lightning; windstorm and hail; riot or civil misconduct; smoke; vandalism and theft; damage caused by aircraft or vehicles, and volcanic eruption.
  • HO-2: This basic "plus" policy covers the basic 11 perils plus six more. These include weight of snow or ice; falling objects; electrical damage, and three categories of water-related damage from home appliances and utilities.
  • HO-3: This is an extended policy for special homeowner items. It provides protection against 17 perils not cited in your policy with the exceptions of earthquake, flood, war and nuclear accident.
  • HO-4: This is a renter's policy which covers personal property only from 17 perils.
  • HO-6: This policy is for condominium owner coverage. HO-6 covers personal property from 17 perils in addition to other items or portions of the building the policy holder owns.
  • HO-8: This policy is suited for older homes and offers protection from 11 perils. It differs from HO-1 in that it covers repairs or actual cash values, but not rebuilding costs. Policy holders with HO-8 often own homes with special features (such as historic or architectural), which add to the home's replacement cost.

Final Tips for Home Insurance Harmony

  • Do your homework.
    Shop around and ask about discounts. Many insurers offer discounts to non-smokers and those who have beefed up security in their home by installing additional smoke detectors, dead-bolts and home security systems.
  • Fight for your rights.
    Make friends with your policy and review it frequently — a disaster in your home is stressful enough. You don't want any additional surprises when it's time to file a claim. Find out if any items are excluded from your policy. You may want to insure those items not covered.
  • Take control.
    Many consumers don't realize that when it comes to their home insurance policy, they do have options that can save money.
  • Use your resources.
    Tennessee's Department of Commerce and Insurance provides a wealth of information to Tennessee consumers. Peruse their website at www.state.tn.us/commerce, or contact them by phone at 615-741-2241 (direct your call to the Insurance Division).

When it comes to Tennessee homeowner's insurance, knowledge is the key word.

An educated consumer is a powerful consumer. Let InsureMe get you started down the path of enlightenment. Simply submit your information to the right and rest easy knowing that with InsureMe you will get nothing but accurate, affordable and free quotes on your Tennessee home insurance.

Get Started Today!

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