ATV insurance is often an overlooked coverage because it’s not a law in Tennessee to have it. If you have a loan, the bank may require it. However, even if they don’t, it’s still wise to protect yourself and your investment. Several people are surprised to realize that many homeowner’s policies exclude ATV accidents because […]
Working From Home
In the last 18 months, the number of people working from home has greatly increased. However, the topic of how that works with your home insurance hasn’t really been discussed. So, lets address a few points today. Inventory If your job requires you to make or store product, there is not coverage for it while […]
Do I need an umbrella policy?
I’ve described in detail previously explaining umbrella policies. For a quick refresher – jump here and then come back. Today I specifically want to point out a couple reasons why you most likely do need one and didn’t even realize it. Your auto insurance has a maximum payout. When you purchase insurance, you’re purchasing a […]
Are certain vehicles more expensive to insure than others?
A question I am asked often is “Does it matter what vehicle I purchase from an insurance standpoint?” What you really want to know is if there is a vehicle you can buy that will be more or less expensive to insure. So let me tackle that question quickly in this post. Which vehicles cost […]
Reading my auto declarations page – Part 2
Today we’ll continue with the second part of reading and understanding your auto declarations page. If you missed part one, please check it out here. Loss Of Use This coverage is for rental reimbursement when a rental car is needed after a covered loss. You may purchase this coverage when you carry full coverage (comprehensive […]
Reading my auto declarations page – Part 1
When you purchase an auto insurance policy, the company mails a thick packet of papers to you. The terms of your policy and ID cards are enclosed, as well as a policy declarations page. This page is designed to help you quickly see the limits of coverage in force. I’m going to upload photos of […]
Have family in town for the holidays? Here’s what you need to know.
This has been a hard year for all of us. If it worked out for you to have family in town for the holidays, we’re happy for you! Enjoy the visit and make all the memories you can. If your family lives locally enough that they brought their own vehicle, that’s great. However, we know […]
An insurance suggestion for Landlords
Real estate is an ever-growing means to providing additional income for your family. Several people are beginning to own property as rental income or a means to be able to move while keeping their primary home for a later time. If you find yourself in this situation, keep reading to gain an important suggestion from […]
Am I covered if I have an accident in another state?
I recently talked about some of the differences in policies from state to state. Due to the those differences, it raises the question of what happens when you’re driving through a state and their coverages and minimums are different than your home state. If you unfortunately have a loss or cause damage while driving outside […]
No Fault Insurance verses Tort Insurance
Middle Tennessee seems to be an ever-growing area of popularity. People from all over the country move to Nashville and the surrounding area for several reasons. Most people however don’t consider the difference in their auto insurance coverage when they move states. They know they need to have it and make sure they get it […]