Tennessee homeowners insurance coverage
Homeowners in Tennessee face many challenges throughout the year. Though spring is generally considered an extreme weather season due to increased tornado activity, it is important to be prepared for every season. In the summer, thunder, lightning, and hail storms can unexpectedly damage property. Many outside the state might not be aware that Tennessee has also been known to experience earthquakes throughout the year. Liberty Mutual understands the needs of Tennessee homeowners and offers customized homeowners insurance coverage to fit your specific situation.
What types of homeowners insurance coverages are recommended in Tennessee?
The following insurance coverage comes standard with any homeowners policy:
- Personal property coverage
- Personal Liability and Medical Payment to Others
- Dwelling (Property damage to your home)
- Wind/hail1
- Hurricane damage1
- Additional Living Expenses/Loss of Rent
Note that most tornado damage is generally covered under these standard coverage policies.
The following insurance coverages are recommended for homeowners in Tennessee:
Flood insurance: Homeowners insurance generally does not cover damage caused by floods, including flashfloods which can be a problem in Tennessee. The state is home to several major rivers, lakes, and streams—many of which have been dammed and can lead to significant flooding if they are damaged. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.
- Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.
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The following optional homeowners insurance coverages should be considered by all homeowners in Tennessee:
- Blanket Jewelry
- Escape of Water
- Personal Electronics Coverage
