Insurance Coverage for First Time Home Buyers
If you are already a homeowner, we can still help you – even if you are in the middle of your term. We could save you hundreds by comparing your rate with multiple top-rated companies, like Progressive, Safeco, Hippo, Grange, and more. If your insurance is not up for renewal, your current insurance company will send you a refund for any unused premium. You have nothing to lose!
Things You Should Consider When Purchasing a Homeowners Policy in Tennessee
Tennessee is its own animal when it comes to weather. This can lead to special considerations for your homeowners insurance that a computer or an agent on the other side of the country might not know.
- Water Backup Coverage
A typical homeowners policy does not cover water or sewer backing up into your home through the drains or sump pump. This is actually a very common and messy claim. Water and sewer backup coverage is usually very inexpensive ($50-$250 a year depending on the limits you choose). Selecting this coverage also qualifies you for “loss of use” coverage if this type of event displaces you from your home.
How Do I Know I Am Covered?
Often people will purchase homeowners coverage without understanding what is or is not included. We will be happy to explain all aspects of your coverage so that you are confident you understand your policy. Even if you don’t buy from us, we will look over your current policy to make sure there are no gaps in your coverage that could put you at risk.