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Johnston & Associates Insurance Blog: home insurance

View the latest blog posts from Johnston & Associates Insurance.

The roof of your Tennessee home is an essential part of the structure and any damage to it can cause structural damage right down to the foundation. The problem is, you do not see the roof often. You probably don't think about it too much either. READ MORE >>

In nature, spring is a time when new must replace the old and in the Tennessee housing world, the same is also true. With spring arriving, there are several things that you should be on the lookout for in terms of home repairs. READ MORE >>

Industry professionals recommend that homeowners take an inventory of belongings so that if there is ever an incident in which your home is destroyed, you know what needs to be replaced. Most standard homeowners insurance policies in Tennessee generally cover a home's contents up to between 50 and 75 percent of the home's value. READ MORE >>

Homeowners insurance policies have exclusions, this is where endorsements come into play. There are various endorsements that can (and should) be added to your Nashville home insurance policy, depending on your individual home. These endorsements include: •Replacement cost - dwelling and contents to restore pre-loss conditions READ MORE >>

You hope it never happens, but if your home was ever destroyed, you want to know that you're fully covered. Unfortunately, many people find out after the fact that they are underinsured. To avoid this happening to you, check out the following: Do you have full replacement value coverage if your home suffered a complete loss? READ MORE >>

The earliest known fire insurer in America dates back to 1735.  The Friendly Society for the Mutual Insuring of Houses against Fire was based out of Charleston, South Carolina.  The society was not formed with the intention of achieving a profit, but more as an outgrowth of volunteer fire-fighting organizations. READ MORE >>

For most Tennessee homeowners, a fire is covered under their home insurance policy. No brainer, right? Think again. The problem is in your local Building Code Ordinance Laws - and the difference between what the laws were when your house was built and the current laws. READ MORE >>

Tennessee beware!  Too many homeowner claims may very likely mean trouble for you later!  I recently spoke to an individual who had a number of claims on his homeowners policy.  He said, “I pay a lot for my insurance and I expect to get something back for my money. READ MORE >>

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Franklin, TN 37067
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