Tag: Knoxville homeowners insurance agency

Renovating? Don’t Forget to Remodel Your Homeowners Insurance

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Home Renovations Include Homeowners Insurance

Home ownership is a big responsibility and for the majority of homeowners their home represents their largest asset. Many people often view DIY programs and HGTV (headquartered in Knoxville, TN) for creative ideas on how to plan home renovations. After all, keeping a home in good repair and comfortable for one’s lifestyle can be expensive and frequently impacts the monthly household budget and disposable income. In fact, according to the…

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You Can Take the “Bite” Out of Dog Bite Liability Claims

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Dog Bite Liability Claims

“Happiness is a warm puppy.” – Charles Schulz. Many generations understand Mr. Schulz’s sentiment exactly. It could be that we still glance at a “Peanuts” cartoon and have fond memories of Snoopy. Maybe we welcome Marmaduke into our lives via the comic strip or movie. No doubt, we love our favorite dog movie(s), but in reality, dog ownership is a position of responsibility and we are almost always liable for…

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Is Your Property in Storage Insured?

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photo credit: me and the sysop First, do you have homeowners or renters insurance? If the answer is yes, then we can look if your homeowners insurance covers your property in storage. Most standard insurance policies for homeowners or renters can provide your personal property with protection not only in a storage unit, but anywhere in the world. The downfall is that it does not protect you in the same…

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Homeowners VS Renters: Do you know the Difference?

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photo credit: Adrian Serghie In case you didn’t know the difference between the two already, homeowners insures the property as well as the contents inside the house whereas renters only covers the contents. This is because the renter does not have an insurable interest in the property; only the homeowner does. What does this mean exactly if you do own your own home and have someone living with you? This…

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Homeowners Coverage Changes

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With things starting to settle down from all the storms last year, insurance rates and coverage are changing accordingly. What does this mean for everyone? First thing: you should know the difference between Actual Cash Value and Replacement Cost because most companies are changing how they cover roofs. Let’s take a T.V., that’s simple enough. Say you have a $1,000 High Definition flat screen T.V. that got stolen. If your policy has…

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Did You Know?

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What happens when your car gets broken into? The car hasn’t been stolen, but maybe you left your wallet or purse in it. The IPod that you leave sitting next to you and always forget to bring in the house has been taken as well. First thing you do? Call your Auto insurance agent. But wait! Unless the thief broke a window or damaged the car in some way, it does…

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Smoke Alarm Information (you probably didn’t know this)

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photo credit: Nick Holloway Every home owner knows or has more than likely been told that you’re supposed to check your smoke detector’s batteries every month. But did you know that your smoke alarm itself should be changed every 8-10 years? As air cycles through the unit 24 hours per day – it can go through 3 to 4 million duty cycles – so it does make sense that a…

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