Homeowners Insurance

Your home is your biggest investment. Are you fully covered?

No two homes are exactly alike. Different types of residences have very different types of insurance needs. Buying a policy “off the shelf” without fully considering your personal risks may cost you in the long run. Your homeowner’s policy should reflect the uniqueness of your home and your lifestyle.

A Homeowner’s policy can cover:

  • Damage to your home’s physical structure
  • Damage to other structures like garages or sheds
  • Your personal belongings, whether they’re in your home or elsewhere
  • Temporary living expenses in case your house becomes uninhabitable due to a covered loss
  • Your personal liability in the event someone is injured or their property is damaged

What’s not covered with your home insurance?

Home insurance policies do not cover damage caused by earthquakes or floods. Even if you’re not in a disaster-prone area, disaster can strike at any time. Ask us how to protect yourself and review your policy exclusions.

Why does adequate coverage matter?

Without adequate coverage, a loss may not be totally covered by your insurance policy. When you work with a licensed Brown & Brown agent, we will review the specific details of your home with you to calculate the true cost to rebuild your home with like kind and quality. Having your home insured 100% to its replacement value will prevent a gap in coverage or a co-insurance penalty for being underinsured.

Do you feel the weight of carrying all of your assets around with you? You should! Your personal assets are not protected in Tennessee so it’s important that you have enough coverage in case a judgment is issued against you. Higher limits of liability are usually very inexpensive, and the premium can be offset by higher deductibles. For added coverage, please ask us about an umbrella insurance policy.

How to save money on your home insurance

Along with our competitive rates, you can get an array of money-saving discounts based on factors like your claim history and your home’s safety features such as smoke detectors, dead bolts, fire extinguishers and central station monitored alarm systems. In addition, you can get discounts for renovations to older homes, newer home discounts and by packaging your auto & home insurance with the same company!

home umbrella insurance icon

Coverage you shouldn’t go without

  • Water & Sewer Back-Up

  • Sinkhole Coverage

  • Ordinance or Law Coverage

  • Open peril for contents/personal property

  • Replacement cost on home and contents

  • Loss of use (extra expenses when home is uninhabitable due to a covered loss)

  • Loss Assessment (if you live in a condo or pay HOA dues)

home fire icon

Additional Property Coverage Availability

  • Renters Insurance

  • Secondary Home Insurance

  • Dwelling Fire (Landlord) Insurance

  • Vacant Home Insurance

home flood icon

Catastrophic Insurance

  • Flood Insurance

  • Excess Flood Insurance

  • Earthquake Insurance

Request a homeowners insurance quote

Get a free insurance consultation from an agent when you request a quote today!