The Cheapest Insurance Company In Tennessee

AmeriAgency Is The Cheapest Insurance Company In Tennessee

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Call AmeriAgency For Auto, Home and Business Insurance.

Here is some helpful information on home insurance:

Home Insurance 101

Standard Home Insurance: What You Get

Even veteran homeowners insurance buyers can stumble when it comes to citing exactly what’s typically included in a standard policy. That’s why we’ve put together this handy Home Insurance 101 resource. Standard policies typically include six types of protection for you house. See the tiles below for a quick explanation of each type of coverage, You can click ‘More details’ for further information on each coverage type.

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Dwelling Coverage

Dwelling coverage is what comes immediately to mind when someone says ‘home insurance.’ It protects the structure of your house against covered perils such as fire, wind, lightning, and hail. You should have enough dwelling coverage to rebuild your house from the ground up should it be destroyed by a covered event. One caution: Separate policies are needed for flood and earthquake coverage.

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Other Structures Coverage

Other Structures protection is exactly what you might think. It protects sheds, detached garages, and fences from covered events. Typically, coverage limits are set at 10% of the amount of dwelling coverage, but you can purchase more protection if necessary.

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Personal Property Coverage

Personal Property coverage protects your possessions in case they’re stolen or destroyed by a covered peril. Electronics, clothing, and furniture are among the items in this category. Limits typically are set at between 50% and 70% of your dwelling coverage limit. However, coverage is often limited for certain high-value items such as jewelry or furs – these can be covered fully by scheduling an endorsement to your policy.