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Home Insurance Basics
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Nashville Home Insurance:
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Tennessee Homeowners Insurance
Home Insurance in Nashville, Brentwood, Franklin & the surrounding Middle TN area
It’s your castle - don’t be caught underinsured. It’s important to re-evaluate your home’s replacement cost coverage every few years. For Tennessee homeowners, as the cost of building materials and labor fluctuates, so will the replacement cost of your home. Improvements and additions also change its value.
At Johnston & Associates, we’ll assess the exact features and measurements of your home, as well as the level of quality of its building materials. Then we’ll provide a Guaranteed Replacement Policy for your home and belongings. Carrying the right amount and correct type of coverage is essential to protecting your family's most valuable asset.
If you're a home owner in Nashville, Tennessee or plan to purchase a home in the Middle Tennessee area, contact us for a free, no-obligation home insurance quote.
Home Insurance Value and Discounts
To offer you the most for your insurance dollar, we offer a variety of discounts on your Tennessee homeowners insurance. Let us help you find the best value for your home insurance needs:
Multi-Policy Discount – insure your home and auto and receive additional savings on your homeowners insurance.
Life Multi-Policy Discount – save on your homeowners insurance when you have a qualifying Life policy.
Fire and/or Burglary Alarm System Discount – install smoke alarms or a burglary alarm system in your home and take advantage of additional discounts.
Sprinkler System Credit – if your home is equipped with an automatic sprinkler system, you’ll save on your homeowners insurance.
New Home Discount – if your home was built in the last 14 years, you’ll receive a discount on your homeowners insurance.
Age of Insured Discount – Policyholders age 46 and older a discount on their homeowners insurance. The discount increases as you age.**
**Maximum discount offered at age 65. Discount will remain on the policy after age 65.
Optional Homeowner Coverages
Your home is unique and so are your protection needs. Some optional coverages you may choose to add include:
- Incidental business occupancy
- Earthquake coverage
- Scheduled personal property such as jewelry, fine arts, furs, and electronic equipment.
- Identity recovery coverage/identity fraud protection
- Personal computer coverage
- Electronic data restoration
- Equipment breakdown coverage
- Dwelling and other structures siding and/or roofing restoration coverage
- High value home insurance: additional coverage for homes valued over $500,000 with limits that go beyond a standard homeowners policy.
Did you know we can provide coverage for all computers in your home?
We can cover your laptop or computer for any type of loss other than mechanical breakdown for about $2 a month*, no deductible.
*Endorsement on Homeowners or Renters Policy. $2/month for computers valued up to $2400.
Learn more about Nashville Homeowners Insurance »»