Home Liability Insurance FAQ

Unfortunately, we live in a world where even our friends and family may sue us to prove a point or win some money. You can protect yourself by investing in liability insurance for your home. Read our frequently asked questions about home liability insurance, then call to set up an appointment with an InsureTN agent […]

Read More


Why Am I Paying HOA Fees?

When you buy or rent a new home, you may incur some “hidden” fees that you didn’t expect or didn’t budget for. A lot of first-time buyers don’t understand why they have to pay homeowner’s association fees when they own their property – aren’t taxes and homeowner’s insurance costs enough? We hope our guide can […]

Read More


The Hidden Costs Of Homeownership

Saving up for a down payment is not the only action you need to take before buying a home. Down payments and mortgages are not the only costs you’ll run into. Most homeowners pay an average of $9,080 each year on taxes, maintenance, and insurance. Zillow, the popular website for those looking for a new […]

Read More


Home Insurance Terms and Phrases To Know

Ready to buy your first home or purchase a new homeowner’s insurance policy? Make sure you know all these common home insurance terms before you do. ACV (Actual Cash Value) – Total value of your property, also known as replacement cost. Adjuster – Works for an insurer to evaluate any losses and settle policy claims. […]

Read More


How Your Job Affects Your Auto And Home Insurance Rates

If you have a job that is considered “non-standard,” you may be subject to more expensive insurance. Doesn’t seem fair? Let’s take a deeper look – why does your job affect your auto and home insurance rates? Working From Home If you work from home, home insurers may see you as more of a risk. […]

Read More


Where To Find The Cheapest Auto and Home Insurance Rates

You probably know that factors like your credit score and driving history can increase your auto insurance rates, but did you know that your location can, too? The same goes for home insurance – location is everything! If you’re considering moving or purchasing a home for the first time, you may want to consider how […]

Read More


What Is Home Emergency Coverage?

Home emergency coverage is additional coverage that some homeowners insurance carriers offer to provide protection against random emergencies. Most commonly, home emergency covers: Plumbing problems Drain blockage or breaks Locks, windows, and home security Heating/boiler AC/Cooling Electric wiring Some carriers even offer help with appliance breakdowns and pest control. The Benefits While some of these emergencies […]

Read More


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 […]

Read More


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 […]

Read More


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 […]

Read More