首页 insurance in the middle Tennessee area, including Nashville, TN and surrounding counties.
Your home is one of your biggest assets, and it’s important to do all that you can to protect it. 我们将帮助您计划意外的保险范围，这是最适合您和您的家人.
Your home is both a valuable asset and the center of your life, so it’s extra-important to cover every risk with homeowners insurance. 获得正确的政策，你将同时照顾到与拥有一个房子相关的大大小小的风险.
例如, a devastating 火 could result in not just the total loss of your home, 但金融毁灭. 如果没有足够的住房保险，你可能就没有办法筹集资金来偿还抵押贷款的余额.
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
大多数火灾都是毁灭性的. Besides the emotional impact, the physical damage to your home can be significant. 如果你的房子在火灾中失去了，你有足够的保险来更换你的房子和里面的东西吗? 还记得, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Make sure your homeowners policy contains replacement cost coverage with no cap. 如果你的房屋重建成本高于你目前的保险限额，这将保护你. And, be sure that your insurance includes rebuilding your home to code. 通常情况下，地方法规和建筑规范会随着时间的推移而改变，这可能需要额外的成本.
When your home suffers damage due to an unexpected event, your personal property is also at risk. 家具, 电器, 服装, 电子产品, and other personal items can also be damaged or destroyed.
Your homeowners insurance policy typically covers personal property, 包括你或和你住在一起的家庭成员拥有的家庭物品和其他个人物品. 确保你的业主政策包括个人财产的重置费用，这样你总是收到全额的重置费用，无论物品损坏.
When there is substantial damage to your home due to unexpected events such as lightning, 火, 或者一个风暴, 你可能无法住在你的房子，直到它可以修理或重建，潜在地产生额外的住宿生活费用, 食物, 和其他日常需求.
通常, there is a sublimit on homeowner insurance policies for valuable possessions, 如珠宝, 皮草, 美术, 和其他收藏品.
如果有客人在你家受伤, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
你的房屋保险应该包括医疗费用的范围，以照顾受伤和治疗-通常不是严重的性质. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
您的业主政策包括个人责任险，以应对发生在您可能被视为疏忽的第三方的伤害或损害事故. 然而, 你应该考虑购买个人雨伞或额外责任保险，以提供额外的保险范围，以保护你的资产，以防你被起诉.
You should make sure your homeowners insurance policy covers your trampoline, 因为许多保险公司拒绝承担蹦床责任，并将该项目排除在保险范围之外.
年轻人通常在网上非常活跃. 然而, 使用社交媒体和其他网站会增加他们直接或间接损害别人声誉和暴露你的可能性, 父, 一个诉讼.
你的房屋保险政策包括家庭成员造成的财产损失的责任保险, but likely does not cover rumors or statements that damage a reputation. 您可能需要寻求额外的保险，包括责任保护，包括人身伤害或诽谤.
你邀请客人来参加泳池派对，但你的一位客人跳进了泳池的浅水区，并受了永久性的伤. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. 你有足够的存款来支付你的法律责任和法律辩护费用吗?
保护伞或超额责任保险通过在您当前的汽车之外增加保护来增加您的个人责任限制, 船, or homeowners policies-providing real financial value, 以及无价的心灵安宁. 超额责任保险可通过背书您的房主政策或作为单独的覆盖范围.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. 你的家会有危险吗?
Owning a secondary home has the potential of increasing your liability exposures.
收藏家或经典车辆通常有重要的价值，需要特殊的文件和独特的保险范围，以确保他们充分保护. Even if stored on your property, they are typically not covered under your homeowners insurance.
如果你是葡萄酒鉴赏家, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. 然而, 只有在保单中列出的损失原因包括在内的情况下，损坏才可保. 免赔额也适用.
如果你有相当多的葡萄酒收藏, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.
Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.
令人惊讶的是, standard auto insurance does not cover personal property or contents stolen from your car.
大多数房主保单都提供一种选择，将房屋外盗窃保险作为一种背书, which covers you for theft of your personal property away from your residence.
当然, 房主保险也可以保护你免受更常见的房屋相关事故，如管道泄漏, burglary of personal possessions and much more.
Finding the right homeowners insurance policy for your unique needs can seem overwhelming. 请放心, 我们可以帮助让事情变得简单一点，通过创建一个房主保险政策，为你的房子提供适当的保险，以合适的价格.
When reviewing your home insurance options, consider the following coverages:
- 珠宝、美术 & 收藏品
As an independent agency, we offer multiple options at competitive prices.