Home Insurance

Buying a home is regarded by many as the most important financial investment you’ll ever make, which is why it is imperative one acquires homeowner’s insurance.

No matter if you own a home in Nashville, Franklin or Brentwood, the Allee Insurance Agency can help you obtain a great homeowner’s insurance plan to fit your needs in Tennessee.

Every home inevitably suffers a damage or loss of some kind, whether it’s from a weather storm, crime or an accident. These losses are certainly unanticipated by homeowners, but financial protection can be acquired. The wise thing to do is to secure coverage for the various risks that come with owning a home.

Coverage through homeowner’s insurance is for losses from storms, fires, thefts, burglaries and personal liability. It should be noted that floods and earthquakes need separate policies for coverage.

Home liability coverage protects a homeowner in the event another person suffers an injury on your property, or when you damage the property of another person. Under certain circumstances and conditions, homeowner’s insurance can also protect a homeowner when they are at fault for the injury suffered by someone off their property. Also, homeowner’s insurance can cover repairs, lawsuits and medical fees in the event the person who is injured makes the decision to sue.

We recommend a homeowner to speak with us regarding their limits and deductibles, in relation to assessing the right amount of liability coverage they need. We also do this because we want homeowners to fully understand all of their risks before deciding if they will be covered in different affairs.

Though it’s not mandatory, many lenders require homeowner’s insurance when someone is trying to obtain a loan to purchase a home. The house is essentially collateral, and lenders often wish to see the collateral properly maintained and appreciated. Also, lenders prefer insurance to know a homeowner possesses the means to repair the home in the event an insurable loss occurs.

Homeowners will likely see their lenders want the policy to exceed the amount the homeowner owes on the loan. A sufficient amount of funding to replace or repair their home will likely be desired by a homeowner.

Securing the right amount of homeowner’s insurance depends on several variables, including the location of the home, household deductibles and the coverage of personal items.

Also, homeowners can add an umbrella liability policy to their insurance. They may also acquire replacement-cost home insurance for coverage of home replacements, as well for personal items. Finally, homeowners can add direct coverage for specific items such art and jewels, via endorsements and riders in their policy.

The Allee Insurance Agency can gladly assist you with all of your homeowner’s insurance needs! Call us today at (615) 386–7153 to begin having us craft a homeowner’s insurance plan specifically for you!

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