Insurance Advisors of Tennessee
Insurance Advisors of Tennessee offers affordable health and life insurance coverage plans to the greater Chattanoga area for individuals and employee groups.
Home Insurance
Standard Homeowner's Insurance Protections
A standard homeowners insurance policy insures your home’s structure (house,) and your belongings in the event of a destructive event, such as a fire.
In addition, homeowner’s insurance policies are generally “package policies.” This means that the coverage includes not only damage to your property, but also your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets).
All forms of home insurance also provide additional living expenses (ALE) coverage for the extra costs of living away from home if it is uninhabitable due to damage from an insured disaster.
As a proud member of SIAA National Agency Alliance, we present the following carriers:
- Travelers Insurance
- Safeco Insurance
- Nationwide Insurance
- Allstate Encompass
- Grange Insurance
- The Hartford
- Foremost Insurance
What is NOT Covered by Standard Homeowner's Policy
While homeowner’s insurance covers many types of disaster-related damage, there are exceptions. For example, flood insurance and earthquake insurance are both separate types of policies, which may be desirable depending on where you live.
Poor home maintenance often contributes to disasters or accidents. Maintenance-related problems are the homeowners’ responsibility, though there are niche insurance products on the market that may be available to protect against appliance wear and tear.
We also Insure:
- Renters
- Condominiums