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Chattanooga, Tennessee - Homeowners Insurance search results Premier Listings

Homeowner Insurance Definitions

Buying insurance is important to protecting your greatest investment, your own home. Sometimes one does not realize the importance of homeowner's insurance until after a life threatening event like a fire has destroyed your personal property. But insurance policies also protect against the unexpected, like that dead tree you've been meaning to get around to removing finally falling onto your neighbor's house. If you own a home, you need a good homeowner insurance policy. Most insurance policies will often include the following terms, so familiarize yourself with them.

  • Insurance – A contract between two parties where one party agrees to pay the other a set amount of money over time in return for protection and compensation against future events.
  • Premium – The amount a home insurance company charges for risks of insuring a home over time. Premiums vary greatly depending on the value of the house and the amount of coverage
  • Liability Coverage – Covers losses that a homeowner is legally responsible for due to negligence. Specifics will be outlined in the insurance policy.
  • Hazard – A dangerous event, such as an earthquake, fire or flood that can cause damage to your home. Policy terms differ and you may need to purchase additional hazard insurance.
  • Dwelling Coverage – Pays for damage and destruction to your house and surrounding property.
  • Personal Property Coverage – Pays for damage and destruction to the contents of the house.
  • Medical Bill Coverage – Pays for medical needs of people injured on your property.
  • Loss of Use – Pays for living expenses if you cannot stay in your house due to a hazardous event and protects the quality of life of the house's inhabitants.
  • Equity – Money value of a property in excess of any liability against it.
    National Association of Insurance Commissioners
    Kansas City, MO 64108
    If you're looking for the most reliable and affordable homeowner's insurance coverage near you, let our association help. We provide the widest directory or insurance providers in your area.
    American Insurance Association
    Washington, DC 20036
    Providing constructive solutions for industry issues through our prestigious association. If you are in the insurance industry as any type of carrier, you can gain more resources from our association.
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    Farmers Insurance - Robert Maurice Agency
    7030 Lee Hwy, Suite 102, Chattanooga, TN 37421
    Serving Chattanooga, Tennessee and surrounding areas. Offering Homeowners Insurance, Car Insurance, Umbrella Insurance, Renters Insurance, Life Insurance, Workers' Compensation, Business Insurance.
    (423) 710-7151
    Shelter Insurance - James Norris
    6227 Lee Hwy, Chattanooga, TN 37421
    As a Shelter Agent in Chattanooga I'm proud to serve this community. Shelter offers great rates and coverage options for your auto, home & life insurance. We're your Shield. We're your Shelter.
    (423) 892-6786
    Clint T Adam - Allstate Agent
    6503 Hixson Pike Ste H, Hixson, TN 37343
    You should insure everything you own. We provide insurance policies for home, auto, life, business and life insurance. Get in touch today for a quality insurance quote today. We have a policy for everyone.
    (423) 842-8171
    Realty Center GMAC Real Estate
    505 Riverfront Pkwy, Chattanooga, TN 37402
    (423) 308-1230
    1419 Marlboro Ave, Chattanooga, TN 37412
    (423) 629-4379
    Guffey Insurance
    4143 Ringgold Rd Ste I, Chattanooga, TN 37412
    (423) 698-8181
    Tennessee Georgia Insurance
    6741 Ringgold Rd Ste H, Chattanooga, TN 37412
    (423) 320-5868
    James Whitaker
    6741 Ringgold Rd Ste H, Chattanooga, TN 37412
    (423) 710-2752
    2158 Northgate Park Ln Ste 418, Chattanooga, TN 37415
    (423) 855-1834
    Michael Hodges
    3849 Dayton Blvd Ste 105, Chattanooga, TN 37415
    (423) 877-2587
    Texas Farm Bureau Insurance
    1508 Mcfarland Ave, Rossville, GA 30741
    (706) 861-4886
    Daugherty Insurance & Co
    515 Chickamauga Ave, Rossville, GA 30741
    (706) 866-4477
    Flegal Insurance
    214 Andrews St, Rossville, GA 30741
    (706) 866-9750
    Doug Hess Insurance
    122 Lee Parkway Dr Ste 103, Chattanooga, TN 37421
    (423) 894-4282
    Agency Insurance Group
    6008 Shallowford Rd Ste 100, Chattanooga, TN 37421
    (423) 892-8778

    As a homeowner, you want to be sure your house is protected in the event of an accident or theft. Not protecting your home could lead to great monetary responsibility in the event of a flood, fire, or earthquake. Protect your home with homeowner’s insurance. This type of insurance, also called hazard insurance, covers loss of property due to a variety of causes, from natural disaster to vandalism. Homeowners can take out this insurance through their regular insurance company. Through this insurance, a policy holder can enjoy additional protection against liability if someone is injured on his real estate property such as a house. Water, smoke, or fire; no homeowner wants to have to deal with a disaster, but they do happen. By taking out a policy for homeowners’ insurance, the policy holder can get financial help to recover from such a disaster and recover the home’s value. Rates vary by insurance agency, but they all hover around the same amount. Your agent can give you a quote on a homeowner’s insurance term that’s right for you, with payments that you can afford. Landlords can obtain landlords’ rental property insurance quotes specific to their situation. You can get advice and information on how to cut your premiums and save some money by visiting online sites for term life insurance and homeowner's insurance. Consult your agent on insurance of home equity conversion mortgages, along with rates on life insurance and liability coverage. Your agent can advise on the latest laws and regulations, give cheap rate quotes, and advise you on how to best protect your estate from damage. This damage can include water, fire, and smoke damage, in addition to damage caused by intruders. Keep your home safe from harm with a homeowners’ insurance policy that’s right for you.
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