Home insurance in Tennessee

What a Tennessee homeowners policy has to handle

Most of the claims we walk clients through in Tennessee are wind and hail on the roof, water backing up out of a basement drain, and trees coming down in a spring storm. Those three things are where policies quietly differ, and they are the first things we check when we compare quotes for you.

If your house was built before 1960, we also look at plumbing, knob-and-tube wiring and outbuildings, because a few carriers will decline outright while others barely blink.

We write condo and renter policies too, and personal liability that follows your household beyond the property line.

What we look at on every home quote

• Roof age, material and whether the carrier pays replacement cost or actual cash value
• Water backup and service line coverage, which almost never comes standard
• Detached garages, workshops, pools and fences
• Personal property limits that match what is actually in the house
• Deductible options, including separate wind and hail deductibles

How the quote works

1. Send us four details: name, phone, email, coverage type.
2. We pull your address, roof age and claims history and shop it with our carriers.
3. An agent calls you with the two or three options that actually make sense, and the reason each one costs what it costs.