Best Homeowners Insurance Rates in Tennessee
AmeriAgency Insurance has the Best Homeowners Insurance Rates in Tennessee
Homeowners insurance is designed to protect you from the things that can damage your home, belongings, or hurt you financially. It covers wind/hail damage, fires, lightning, theft, and more. Plus, it covers injuries that occur on your property and lawsuits against you, such as someone suing you because they were hurt at your home.
When you get your free homeowners insurance quote, many of your coverages will be automatically included. Plus, you can add even more. We have expert agents standing by to guide you through your choices.
When you should consider homeowners insurance
Homeowners insurance is for you if you own a home, vacation home, or are purchasing a home. If you own a condo, town house, or row home, you need condo insurance—or renters insurance if you rent from someone else. Not sure? Get a homeowners insurance quote, and we’ll make sure you get the right policy, and you get the best homeowners insurance rates in Tennessee.
If you have a mortgage, your lender will likely require you to get insurance for your home. We’ll help take care of the details with your lender. Plus, in most situations, you’ll be able to combine your insurance payments with your mortgage bill (called escrow).
Homeowners insurance is designed to protect your home from what are called “perils.” A peril is your exposure to risk or something that causes loss or destruction. As a homeowner, you can typically purchase three different types of home insurance policies. They are:
- Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils.
- Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1).
- Homeowners 3 (HO3): With this policy, your property is protected against most known perils, including some that are not covered by Homeowners 2.
