Cheap Home Insurance Tennessee
AmeriAgency Is The Home Of Cheap Home Insurance Tennessee
Get quotes from a few different companies. Definitely get the quote from your car insurance provider because insurers will bundle discounts on multiple policy lines. Some common homeowners companies to try: Liberty Mutual, State Farm, Progressive, AllState, Nationwide, Farmers, etc. Realistically, most insurance companies offer comparable customer service. Pick the one that has the best coverage for the lowest premium.
In terms of coverage amounts, no one ever regretted having a bit more coverage than absolutely necessary. However, the person who prepares your quote will give you a number of what they believe total loss coverage should look like for your house, based on the information they have from public data and from what you will tell them. They’ll ask questions like whether you have upgraded appliances, whether your floors are wood or carpet, etc to help form that number.
If you disagree that the number they give you is enough to rebuild your house if needed, tell them that and ask for a quote for more coverage. They are there to give you what you want.
Some things to know about homeowners insurance generally: it does not cover floods. If you’re in a flood area, you need floor insurance as well. Like any other insurance, the higher your deductible (the amount you pay before the insurance company will pay), the lower your premium. If you have a good safety net and think you could absorb a $2000 deductible instead of a $1000 deductible, you could save money on your premium. Ask for quotes for both scenarios if that applies to you.