You probably have a good idea of the value or your home. But do you know how much it would cost to rebuild?
If the contents of your home were lost or damaged, would you expect to buy brand new replacements or settle for an equivalent value item?
And if you insure your home, who offers the best policies at the best prices?
Having the answers to these and other questions is crucial to insuring your home properly. If you don’t, you could end up seriously out of pocket.
That's why it pays to work with an experienced and trusted agent to find the answers and provide the protection you need. In Hendersonville, that means TN Insurance Depot.
As an independent agent, we work with all the major insurers to secure great homeowners policies that work for your needs and your budget.
Instead of just arranging standard coverage -- though we can certainly do that -- our homeowners insurance experts will customize your coverage to protect your home and contents in the way that suits you.
This includes protecting items of special value and risks you may not have thought about. We also know the local property marketplace, enabling us to provide accurate costs for repairs and replacements.
And, of course, because we're right here in Hendersonville, we can answer your questions and help you if you need to make a claim.
The most important elements of a good homeowners policy are liability risk, structural and personal property protection.
Homeowners Liability Insurance: Dog bites, slips and trips and injury caused by falling items are among the risks most homeowners face. You might also be to blame if a falling tree or other issue affects a neighboring property. If an accident happens, you face a possible lawsuit as well as medical costs. Liability insurance covers these costs up to policy limits, which we can adjust according to your needs.
Structural Insurance: This protects the fabric of your house from a wide range of perils including fire, vandalism and windstorm (including tornadoes). If your home has special features that would be costly to replace, we take this into account in arranging your policy. As we explained earlier, what matters from an insurance point of you is the reconstruction cost. However, you don’t necessarily have to rebuild if you choose to go somewhere else.
Personal Property Insurance: Everything in your home, from the carpets, furniture and appliances to your computers, jewelry and collectibles, can be protected in this section of your policy. You may need extra coverage for valuable items, and you'll need to decide if your policy should just cover current values or replacement costs. We can help you with this.
Through our homeowners insurance customization program, we'll help you decide if you need additional protections. For example:
It's not a legal requirement in Tennessee but it'd be crazy not to have these protections in place for the sake of a few hundred dollars.
Furthermore, if you have a home loan, your lender will almost certainly insist you have coverage.
When you choose TN Insurance Depot you gain many benefits that include:
We can provide a fast, ballpark quote for your Tennessee homeowners insurance. It won't cost you a cent to find out and there's absolutely no commitment. So, don’t wait. Get in touch now by filling out the form below and we'll get working for you.