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Homeowners Insurance Information

Homeowners Insurance 

Nashville Tennessee Homeowners Insurance



What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.


Why do I need Homeowners Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Be sure to read your policy so you know exactly what's included and what is not. Have questions about your insurance?  We're here to help you understand what is covered.

Things to consider and questions to ask:

Here are a few things to discuss that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? We can help talk you through your home's features and the things you own so you can make an informed decision about coverage.
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? Ask us about multiple policy, security system, and fire resistance discounts.
  • What's the process for filing and settling a claim?
  • Who do I call and what happens after I file a claim? 

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

     

 
5 Things To Know About Homeowners Insurance  
 
 Insurance Checklist for Homebuyers
 
 
Find a Nashville Home Insurance Agent. 
Serving Middle Tennessee.
Johnston & Associates Insurance
of Nashville. Homeowners Insurance
 in Nashille and surrounding areas
including Brentwood, Forest Hills,
Belmont,Green Hills, Antioch, Cane
Ridge,Lenox Village, Cool Springs,
Franklin, Oak Hill, Crieve Hall, Bellevue, Vanderbilt.

37211, 37027, 37135, 37013, 37215,
37220

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Johnston & Associates Insurance Quick Links
321 Billingsly Court, Suite 18
Franklin, TN 37067
615-716-2123
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