Tag: Policy

Hiring a Contractor? Read This Before You Do

Middle Tennessee has seen a housing boom in the last three years, both in the realms of new home construction and remodeling.  According to a report from Nashville NBC-affiliate WSMV, over 100 new people move to the Nashville area daily, and over one million more are projected to arrive in the next 20 years.  Those newcomers to Music City are buying new homes and renovating...

Factors That Affect Your Auto Insurance Premium

For residents of the 48 of the 50 states that require liability coverage, car insurance is a fact of life, and becoming a more expensive one, at that.  According to an article from Consumer Reports, “Consider how much insurers are paying out in claims. While the long-term trend shows that the number of accidents is declining, the average payout on the accidents that do occur...

Think You Know Auto Insurance? Take Our Pop Quiz

    I’ll pay higher car insurance for a red car.     Liability insurance is required in every state.     A hybrid or electric car will cost more to insure than a comparable conventional vehicle.     If I don’t have enough money to pay car insurance premiums, there won’t be any problem if I let my coverage lapse – as long as...

Tennessee Home Insurance: What’s Not Covered

There’s an old saying in the insurance business: “Your policy is only as good as the exclusions”.  In other words, if it’s not specifically excluded, it’s covered. Another rule of thumb is that insurance is not a maintenance program, but only covers things that are “sudden and accidental.” An old rickety fence that blows over in a storm will not likely be covered. Here’s a...

Even Renters Need To Protect Their Homes

Even Renters Need to Protect Their Homes It may not be a house, but your apartment is still a home filled with memories and all that cool stuff you’ve spent a lifetime collecting. The best way to be financially protected is with Tennessee renter’s insurance. Your landlord’s insurance should cover any structural damage that might occur, but it won’t cover your personal things. Most importantly,...