Personal Insurance
Things happen in life.
Property and casualty insurance provides coverage for your home, auto, recreational vehicles, and more, so when something happens, you are covered.
We protect:
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Homeowners insurance covers replacing your home if it is partially or totally destroyed by fire or storm. It also covers replacing your personal contents if they are lost in a damaged home or stolen. The other major coverage in a homeowner’s policy is personal liability. If you or a member of your family accidentally causes bodily injury or property damage to another person or persons, either on your own property or at another location, this coverage will pay for these expenses and for your defense if you are sued.
Other coverages include protection for structures on your property that are separate from your home, like a detached garage; additional living expenses if your home is partially damaged or totally destroyed and you have to temporarily move to another location; and medical payments to friends and family who suffer relatively minor injury while on your property.
We work with multiple carriers so we can find the best carrier to fit your needs and your budget.
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We can help you insure your vehicle as well as any recreational vehicles you may own such as motorcycles, boats or golf carts.
Our recommendation is to get the highest limits that you can afford, and we encourage clients to get either 100/300/100 or even better 500/500/500. Stay away from the TN state minimum limits of 25/50/15.
We work with multiple carriers so we can find the best carrier to fit your needs and your budget.
Our Speciality: High-Value Homes
We specialize in providing insurance coverage for high-value homes working with carriers who strictly cover high-value homes.
The real value in having a specialized high-value carrier is found in the comfort level these insurance companies have with the more expensive homes and the needs of the owners. Homes with a high dwelling cost are not required to have high value insurance protection, but the high net-worth owners are comfortable with these carriers.
The benefits of insuring with specific high value home insurers
Unlimited Replacement Cost to rebuild your damaged home to its original specifications, even when the cost exceeds your policy limit.
They endeavor to rebuild your damaged home using the exact same building materials and with the exact same attention to detail.
Replacement cash-out option: in the event of a total loss, you have the option to be paid for the coverage limit for your home and personal property.
Additional living expenses in the event of a covered loss to maintain your household’s usual standard of living while you are waiting for your home to be restored.
Waiver of your homeowner’s policy deductible after a large covered loss.
Sewer and drain back up coverage up to the limits of the coverage on your home.
Accidental breakage: Special limits for damage to crystal, china, porcelains, figurines, statuary, sculptures, mirrors, glassware, and similar items.
Equipment breakdown: They cover repair or replacement of damaged appliances or other household systems.
Loss of refrigerated items
Excess Liability Protection
ID theft and fraud expenses
Coverage to replace or recreate lost personal data on your computer
Our High Value Home Insurance Carriers
Additional Protection
Why would you need umbrella insurance?
An umbrella policy is over and above your regular home and auto insurance coverages, and only kicks in to increase the total limits of your liability protections. The term “excess liability” is commonly used in place of umbrella coverage, but the protection functions in a similar way.
Most all homeowner’s insurance policies have coverage for personal liability. The largest portion of the premium for auto insurance is for bodily injury and property damage liability protection. If an insurance-related judgement against you exceeds the limits of your liability protection, you are still responsible for the difference. Umbrella insurance to supplement your existing liability coverage for the many exposures faced in today’s world is an extra level of protection.
Contact us.
Let us help you protect the things you love. Peace of mind is just one step away. Contact us to discuss your insurance needs.