Homeowners Insurance: When Do You File A Claim?
Posted: September 20, 2018
Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason that as you are paying your premiums, you should take advantage of available coverage. However, the reality is that it is not always advisable to file a homeowners insurance claim, as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to...
Waterlogged
Posted: August 23, 2018
The Flood of 2010 left an indelible mark on Nashville, Tennessee. The United States Geological Service classified it as a 1000-year flood, which means a deluge that has a “one in a thousand chance of occuring in any given year.” The city saw almost 14 inches of rainfall in a two-day period, which broke a 31-year-old record. Most residents watched the local news in disbelief...
Understanding Your Homeowners Policy
Posted: July 31, 2018
Most people don't want to think about their homeowners insurance until they need it. Homeowners policies are lengthy, complicated, and written in legalese. Nevertheless, it could pay off to thoroughly understand your homeowners policy and know how it works. Our agency is happy to assist you with not only finding the right homeowners policy, but also with understanding what is in it. Basics of Homeowners...
Tennessee Home Insurance: What’s Not Covered
Posted: August 25, 2017
There’s an old saying in the insurance business: “Your policy is only as good as the exclusions”. In other words, if it’s not specifically excluded, it’s covered. Another rule of thumb is that insurance is not a maintenance program, but only covers things that are “sudden and accidental.” An old rickety fence that blows over in a storm will not likely be covered. Here’s a...
Save Money While Avoiding These Costly Insurance Mistakes
Posted: August 17, 2017
In today’s economy many people are seeking ways to cut costs and save money. Cutting corners on your insurance might appear to save you money in the short run but could cost you dearly in the long run! “When money is tight, it's extremely important to be financially protected against a catastrophe with the right amount and type of insurance,” said Jeanne M. Salvatore, senior...