Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Your home is probably the place where you feel most secure, and it’s also one of the most expensive investments that you will ever make. You deserve the peace of mind that comes with knowing that you have fully protected your property with quality homeowners insurance benefits.
Home insurance is designed to provide every homeowner with security, stability and reassurance within their home. However, you have to get the right policy in order to fully reap the benefits. For help getting the best policy, contact FSB Insurance. As a proud member of the Sunstar Insurance Group, we’re here to help every west and middle Tennessee homeowner design far reaching but affordable benefits that will always keep them, their family and their property safe.
To get your policy, call us at (731) 668-9312 or request your quote now!
Common Homeowners Insurance Questions
What Does Home Insurance Cover?
Homeowners insurance policies can provider numerous benefits, including:
We can insure homes of all shapes and sizes, including condominiums, rental properties, mobile homes and high-value homes. Necessary benefits include:
Structure Protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached Structures Coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions Insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability Coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Additional Living Expense Protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.
What Does Home Insurance Not Cover?
Unfortunately, a basic home insurance policy won’t cover everything. Some issues, like floods or earthquakes won’t be covered at all, and you must purchase separate insurance policies to protect against these losses.
However, you will often be able to augment your policy with specialty policy endorsements to provide you with more extensive benefits. Some of the extra coverage that you might need to carry includes:
Additionally, if you want a higher level of liability insurance on top of your standard home insurance benefits, consider investing in umbrella liability insurance. Once a claim exceeds the limits of your standard coverage, you will be able to make a claim on your umbrella coverage to receive additional benefits.
Keep in mind, normal wear & tear, and damage caused by negligence of the homeowner, will not have coverage under your policy. Most insurers will not honor claims for damage that could have reasonably been prevented.
When is Home Insurance Required?
Most mortgage lenders will require homeowners to purchase (and maintain) homeowners insurance for the duration of their loan. If you fail to carry coverage, or let coverage lapse while you have an outstanding mortgage, then you will face trouble from your lender.
Regardless of requirements to carry coverage, however, you should still get a plan because of the exceptional benefits it can provide. All in all, home insurance is one of the best investments you can make when working to keep your home, family and possessions save in the face of an accident, disaster or other costly challenge.