Best Homeowners Insurance TN
AmeriAgency is Simply The Best Homeowners Insurance TN
How do you define dream house? You might’ve chosen a Spanish-style hacienda on your favorite golf course, a center-hall colonial in a great school district, or a perfectly restored mid-century modern. Your home is a major investment, but — more than that — it’s where you raise a family, entertain friends and create lifelong memories.
Whether you live in the perfect starter house, a custom-built dream home or something in between, one thing is true: You want to protect the life you’ve made there.
Here are some typical situations in which homeowners insurance can help:
There’s a fire in your kitchen
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
Property coverage in your policy can help if your house is damaged by fire and/or smoke.
Thieves strike while you are away
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.
A visitor is injured
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn — fracturing his wrist when he falls against a stone retaining wall.
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
A tornado hits
You heard the warning sirens and escaped uninjured, but you can’t live in your house while tornado damage is repaired.
Coverage for additional living expenses can help with the extra cost of temporary relocation caused by a covered event.
Your homeowners insurance can also help with some losses that happen away from home. For instance:
Your jewelry is stolen
You mastered the basics of surfing during lessons in Hawaii — but your wedding ring is stolen.
With personal property coverage, lost jewelry is covered up to your policy limits.
Optional coverage that’s popular with homeowners
Homeowners policies generally cover valuable items like jewelry, artwork and collectibles — but usually at relatively low limits. With personal articles floaters, you can insure specific valuables at higher limits.