Tennessee homeowners are frequently told their rates are high because of something they did. Usually that is not the case. Tennessee now carries among the highest homeowners premiums in the country, and the reason is severe convective storm — hail, straight-line wind and tornado activity that has migrated east into the Mid-South.
What that means practically is that switching carriers is rarely where the savings are. Every carrier is pricing the same weather. The savings are in how the policy is built.
Three things we look at on a Tennessee home. Whether the roof settles at replacement cost or actual cash value — on a ten-year-old roof that is the difference between a full replacement and roughly half of one. Whether there is a separate percentage wind/hail deductible, and what it works out to in dollars on your specific dwelling limit. And whether a cosmetic damage exclusion has been added, which lets a carrier decline dented siding or gutters as merely unattractive.
If you have an impact-resistant roof, or you are replacing one soon, tell us. Class 4 shingles earn a credit that most homeowners never claim.
Send us the declarations page you have now. We read it line by line against what this market is actually doing, and tell you plainly whether anything worth changing has changed.
Send your policyThe same house priced in two states is two different problems. These are the markets we work most, and what actually decides the outcome in each one.
Send your declarations page and we will read it properly — what you have, what it would actually pay, and whether anything worth changing has changed.
Independent insurance guidance for your home, your business, and your life across state lines.