Home Insurance Franklin, TN

Best Value Franklin Home Insurance Policies

Whether you live in a mansion, a ranch house, a town house, an apartment or a condo, home is where the heart is and, along with its contents, is probably your most valuable asset.

Protecting that asset, and the building where you and your family feel safe and comfortable, is a priority. Your home may seem solid and secure, but it is constantly at risk of succumbing to natural disasters, criminal activity and accidental damage. Home insurance is usually a requirement of most mortgage lenders, and it is wise to procure your own insurance rather than risk your lender buying a policy for you, which will probably cost more and have limited cover.

Irvin-Dyal & Brown has arranged home insurance for hundreds of homeowners, renters and landlords in Tennessee, especially in and around Nashville,  Spring Hill, Brentwood and Franklin (which is where our offices are situated).

We pride ourselves in being an independent insurance firm with the personal touch and a local focus. We represent more than 20 insurance providers, so our knowledgeable home insurance experts are able to find exactly the right policy and tailor it to cover your individual needs and budget.

As anyone who lives in the state knows, Tennessee is vulnerable to extreme weather events such as tornados and severe wind storms which cause billions of dollars’ worth of damage each year. Climate change is making severe storms more common. Then there is the ever-present danger of household accidents, particularly residential fires which are more common in our area than most people realise, especially during the winter when heating equipment malfunctions are a leading cause of fires.

With an appropriate home insurance policy in place you can enjoy peace of mind, knowing that in the event of an unforeseen calamity or catastrophe your home and its contents can be restored and replaced as soon as possible.

Discounted Premiums for Tennessee Home Insurance

Irvin-Dyal & Brown make it affordable for you to safeguard your property with a home insurance policy, ensuring that if fate deals you a cruel blow the trauma will be mitigated with well-crafted cover and no-quibble claims process.

Our experts will work with you and talk you through the options you can choose while keeping your premiums as low as possible. If you already have home insurance but are worried that it is not adequate, we’ll be happy to review and adjust or extend your cover if necessary.

We can explore options such as extra coverage for jewelry, computer equipment, fine art, guns, fine china, silver, as well as valuable antiques and collectables.

We offer discounted premiums for certain categories of clients:

• Those aged 50 or over
• Reduced premiums for properties where central alarm systems are installed
• Lower rates for those living in newer homes
• Discounts for properties with no prior claims
• Reduced rates for those who have their auto insurance with the same company

Choosing the Right Home Insurance

Most homeowners’ or renters’ insurance policies allow you to pick and choose for cover from various perils at varying levels. It is very important to make sure the policy you end up with covers everything you would need to replace if you lost your possessions, your home became unliveable or severely damaged.

This is where our insurance consultants’ experience is so valuable – we know the right questions to ask so we make sure we provide you with financial protection for everything required for any sort of loss. This would include things like:

• Paying for damage to your home, specifying fixtures like electrics, plumbing and heating.
• Covering outbuildings and structures like fences so they can be replaced or repaired.
• Compensating you for the loss of personal possessions – you can even cover items that aren’t on your property.
• Paying your expenses if you have to live elsewhere while your home is being repaired.

You might want to opt for extras like medical cover to pay for anyone hurt on your property, or personal liability cover to offset any financial loss if you are sued for causing injury or damage to someone else.

We assess the risks or perils inherent in your individual property and personal situation, and will advise you on selecting a home insurance policy with appropriate levels of cover to suit. This can be reviewed periodically as property values and your circumstances change.

Flood Insurance Partners in Nashville Area

Please note that flood damage is not covered in a home insurance policy. You can cover your property against the effects of a flood by participating in a community flood insurance programme (there are 400 participating communities in Tennessee). This is known as the National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Agency (FEMA), with the Tennessee Emergency Management Agency (TEMA) being the designated management body in our state.

We are partners in the NFIP so If you are concerned about the flood risk associated with your property please speak to us and we’ll be happy to explain why and how to purchase flood insurance to cover your home’s structure and belongings.

Contact Irvin-Dyal & Brown: you can rely on us to insure your people, property and possessions.