Home Insurance Jackson
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Does the homeowner’s policy include flood insurance?
No, a homeowner’s insurance policy typically does not include flood coverage; however, we can provide you with access to a policy from the National Flood Insurance Program (NFIP) for limits up to $250,000 on dwellings and $100,000 on contents. Need insurance in Germantown?
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What counts as a flood?
A flood is an overflow of water from a lake, river or other body of water or may be the result of storm surge or rising water from excessive rain. Flood damage is typically not covered under home insurance, so you must buy a separate flood insurance policy to be covered. Need homeowners insurance help elsewhere in Tennessee?
Note: Gushing water from a broken pipe is not considered a flood.
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Yes, in every homeowner’s policy there are stated value limitations for specific items. For example, there could be a $1,000 limit for loss by theft of jewelry, watches, furs, precious and semi-precious stones. Additional coverage may be available, please speak with our Sales Representative or Independent Agent to discuss your specific needs.
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What is the Personal Property Replacement Endorsement?
The standard homeowners policy includes coverage for your personal property at Actual Cash Value that factors in depreciation at the time of loss. If you select the Personal Property Replacement Cost coverage endorsement, for an additional premium, we will settle losses to your specific personal property at the current replacement cost without considering depreciation.
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The Personal Property Replacement Cost endorsement also provides replacement cost for several building items that would otherwise be limited to Actual Cash Value. This includes: furnishings, carpeting, household appliances and other personal belongings.