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Tennessee Home Insurance
Tennessee home insurance provides the much needed property damage for your home. If you bought your home with the help of a mortgage lender, they usually require that you carry Tennessee home insurance for the duration of your home. There are a few policies that cover single family homes. The basic HO-2 policy covers damages caused by fire, smoke, vehicle damage, aircraft damage, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and damages caused by riots. The HO-3 policy carries bodily injury liability protection, as well as additional property damage coverage.
Tennessee Home Insurance Coverage
In Tennessee strong thunderstorms, hailstorms, tornados, and heavy winds can all cause major property damages. The rates for homeowners insurance in the state reflect the threat of these perils and can fluctuate depending on your area. Homeowners who live next to a river, stream, or lake should consider purchasing flood insurance, as Tennessee home insurance does not cover damages caused by flood waters. For a complete list of what your policy does not cover, review the “exclusions” section of your policy.
Tennessee Home Insurance Rates
Tennessee home insurance floated a little below the national average for cost in 2003. Homeowners insurance cost an average of $622 for the year. The rates for homeowners insurance rose 27.2% from 2001 to 2003. Rates can increase due to more claims being filed, more expenses related to doing business in the state, and inflation.
Tennessee homeowners would likely want to find ways to reduce their homeowners insurance. Many insurance companies give discounts when you install storm shutters, reinforce your roof, install alarm systems, and smoke detectors. Discounts can also be found by purchasing your home and auto insurance from the same provider. Of course, savings can be found by getting multiple quotes for Tennessee home insurance.
Tennessee Department of Insurance
500 James Robertson Pkwy
Nashville, TN 37243
For other Tennessee Insurance Resources, See:
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