Homeowner’s Insurance in Middle Tennessee

Protect Your Most Valuable Asset

For homeowners in Brentwood, your home represents your most significant investment and deserves the best protection. When disaster strikes, you need an insurance company that recognizes the importance of your home and ensures prompt and fair claim settlements.
At Steven Tate Insurance Agency, we can help you find the ideal homeowners insurance policy tailored to your needs, offering a perfect blend of comprehensive coverage, exceptional service, and competitive pricing.

Specialized Coverage for Unique Situations

If you need insurance for a rental property or an unoccupied home, traditional homeowners insurance won’t suffice. In these cases, you require a “specialty dwelling” policy, which we can also provide. Whether you reside in Brentwood or elsewhere in Tennessee, homeowners insurance is a crucial policy to own. It’s important to note that not all homeowners insurance policies are the same. Different insurers offer varying levels of coverage, endorsements, riders, and conditions.

Choosing the Right Homeowners Insurance

Without the help of an independent agent like us, it can be challenging to distinguish between different homeowners insurance policies. Whether you own or rent, insuring your home protects you financially from losses due to fire, theft, vandalism, or other covered events. It also provides liability coverage if someone is injured on your property and wins a legal judgment against you.
Homeowners insurance policies vary based on the covered losses, selected coverages, and the type of residence you own. You can choose a comprehensive policy covering a wide range of perils, such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or a policy that covers only specified losses.

Common Homeowners Insurance Coverages

Here are some standard coverages typically found in homeowners insurance policies:

• Dwelling: This portion covers the main structure of your home. The replacement cost can fluctuate based on material and labor costs. We’ll conduct a replacement cost analysis to determine the necessary coverage if you need to rebuild.
• Other Structures: This coverage applies to structures on your property not permanently attached to your house, like fences, driveways, sidewalks, and detached buildings such as sheds and garages. Typically, this coverage is 10% of your dwelling limit but can be increased if needed.
• Personal Property: This covers your personal belongings, including clothing, furniture, electronics, and appliances.
  Loss of Use: This covers living expenses if you need to live elsewhere temporarily because your home is uninhabitable due to a covered loss.
• Medical Expense: This covers medical expenses for guests injured on your property and, in certain cases, people injured off your property. It does not cover healthcare costs for you or your household members.
• Family/Personal Liability: This coverage applies if someone is injured or their property is damaged due to your negligence. It generally applies worldwide. When choosing your liability coverage limits, consider your income and assets. Your coverage should be sufficient to protect your assets if you are sued. An umbrella policy might be necessary for additional coverage in some situations.
• Scheduled Personal Property: This provides special coverage for valuables or collectibles, such as jewelry, firearms, collectibles, and rugs.

For a personalized homeowners insurance comparison in Brentwood, contact Steven Tate Insurance Agency today. We’ll help you navigate your options and find the best coverage for your needs.