Frequently Asked Questions About Homeowner’s Insurance

Have you recently purchased a home or are you considering purchasing a new homeowner’s insurance policy? There are a lot of factors to consider, and sometimes it’s hard to differentiate sales tactics from the truth. At InsureTN, we encourage full transparency. These are some of the most frequently asked questions about homeowner’s insurance, coupled with […]

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Working At Home: Business or Homeowners Insurance?

If you work from a home office, should you take out a business insurance policy to protect your work? A homeowners policy will not protect your work in the event of an accident or injury. In fact, many homeowners policies specifically exclude business expenses. Any property coverage that you have in your homeowner’s policy may cover […]

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How A Renovation Affects Your Home Insurance

Did you know that you have to report your home renovations to your insurance carrier? If you don’t, those renovations will not be covered in the event of damages. For example, if a hurricane destroys your new roof that you didn’t tell your insurer about, your roof damage will not be covered. Renovations will likely raise […]

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Questions To Ask Your Insurance Agent

Are you planning on purchasing a new insurance policy soon? Make sure you know the right questions to ask your insurance agent to get all the information you need. You have a lot of options for carriers and plans – make sure you’re picking the one that’s best for you and gets you the best […]

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Setting Your Homeowner’s Deductible: Your Ultimate Guide

A common misconception for new homeowners and policy buyers is that you want all your numbers to be low. This isn’t always the case, because your deductible and premium rely on each other. You may actually want to consider a higher deductible. What Is A  Homeowner’s Insurance Deductible? Your deductible is the amount you pay […]

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Chances of a Natural Disaster In Tennessee: Are you Protected?

Tennessee is currently considered a high-risk area for a natural disaster. The infamous “Tornado Alley” once focused on Nebraska, Kansas, and Oklahoma, but now stretches as far north as Iowa, as far east as Ohio, and as far south as Florida. Global warming and changing weather patterns have increased risk everywhere, as evidenced in the […]

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How Climate Change Can Affect Your Home Insurance Policy

You may be aware of how climate change is harmful to weather patterns and increases natural disasters, but did you know that climate change affects homeowners insurance? Just last week, Trump announced his decision to pull the U.S. out of the international Paris Climate Deal, a UN agreement promoting healthy habits to prevent global warming. […]

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The Advantages Of Bundling Your Insurance

Aside from coverage, the two most common priorities people have when buying insurance are price and simplicity. Most young people tend to stay with whatever carrier their parents use without even looking at other options that may be more appropriate for their needs. This leads to beneficiaries carrying policies out of multiple different carriers, ultimately […]

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Shooting Video Inventory For Home Insurance: Your Easy Guide

Need a record of everything in your home? Keeping a written list is time-consuming and allows a lot of room for error, but shooting video inventory is quick, easy, and doesn’t leave anything out. Recording Your Video When shooting video inventory, you’ll want to focus on details, especially those of high-end or luxury items like […]

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Airbnb Insurance: What are Renters and Rentees Responsible for?

Curious about AirBnB insurance? AirBnB is the genius little app and website that allows homeowners to rent out their homes to travelers who need a place to stay. Even though each rental is a privately-owned home, the hosts are running businesses from them. So who is liable? Airbnb’s Protection A few years ago, when Airbnb was […]

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