Homeowners, renters, condo, landlord and mobile home policies. Your home is the largest thing you own, so the limits and the endorsements matter more here than anywhere else.
Every homeowners policy is built from the same six parts. Knowing which is which is how you tell a good quote from a cheap one.
The house itself. This should reflect what it costs to rebuild today, not what you paid or what it would sell for.
Detached garage, fence, shed and driveway. Usually a percentage of your dwelling limit.
Everything inside. Watch the sub-limits on jewelry, firearms, cash and collectibles.
Pays for somewhere to live while your home is repaired after a covered loss.
Covers you if someone is injured on your property or you damage someone else’s.
Small medical bills for a guest hurt at your home, regardless of fault.
A cheaper policy often pays depreciated value. A ten-year-old roof settles for a fraction of what a new one costs.
Sewer and drain backup is an endorsement on most policies. It is inexpensive and one of the most common claims.
Many carriers now pay roofs on a sliding scale by age. Read this before you need it, not after a hailstorm.
No homeowners policy covers rising water. That is a separate policy, and Nashville has the maps to prove it matters.
Standard policies cap jewelry theft low, often around fifteen hundred dollars. Scheduling the pieces fixes it.
If code has changed since your house was built, rebuilding to current code costs more than the policy pays without this coverage.
Renting or in a condo, you only insure your contents and your liability, not the building. Renters coverage often runs under a dollar a day and it is the cheapest peace of mind I sell.
A rented-out property needs a dwelling-fire or landlord policy, not a homeowners policy. If you have tenants in a house insured as your residence, a claim can be denied.
Your current declarations page, the year the roof was replaced, the square footage, and any recent updates to wiring, plumbing or HVAC. Those four things drive the number.
Send your declarations page and I will shop it across my carriers.