Tennessee has 6,541,223 residents. Weather is a part of life and can impact your property. Tennessee homeowners insurance and property insurance will have storm coverage.

A Tennessee independent insurance agent can help with coverage and premium options that will fit your budget. They do the shopping for you at no additional cost so that you can save. Connect with a local expert to get custom quotes today.

What Is Storm Insurance?

Tennessee storm insurance is crucial if you own a structure or building. There are numerous types of storms that could impact your property, making adequate protection necessary. Take a look at how storm insurance can help:

• Storm insurance: This type of property insurance covers a structure for losses due to a storm. Tornadoes, hurricanes, severe winds, lightning, hail, and more can cause damage to your property.

Overall losses in the US due to natural disasters (in million US dollars)

Storms occur everywhere and can cause significant damage to your home or structure. The proper limits of coverage are needed to avoid financial ruin.

What Does Storm Insurance Cover in Tennessee?

Damage to your Tennessee property from a storm can be extensive. It's essential to obtain the necessary coverage when shopping for solutions. Check out what your Tennessee storm protection will cover:

• Electrical and plumbing systems
• Foundational elements
• The structure itself
• Detached garages
• Well water tanks and pumps  
• Personal belongings

What Doesn't Storm Insurance Cover in Tennessee?

Your Tennessee property policies will come with a list of exclusions just like any other insurance. You'll need a separate flood policy to fill the gap for your home or commercial property. First, you should be aware of what is considered a flood in Tennessee:

• What is regarded as a flood: A flood is an excess of water on land that is usually dry. This typically is classified as affecting two or more acres of land or two or more properties. 

Losses that are generally excluded from your home and property policies:

• Water/sewer back-ups
• Burst pipes
• Flooding

Insured property losses in the US (in billion US dollars)

When your home or property experiences a loss, you could be out hundreds of thousands of dollars without adequate coverage. The right insurance policy for storms could save you a lot of money in the long run.

Does Car Insurance Cover Storm Damage in Tennessee?

While storms are automatically included under your home and commercial property policies, your auto is a bit different. When it comes to having storm and flood damage covered under your car policy, you'll need to add comprehensive limits. Comprehensive coverage will cover any storm or flood loss to your vehicle less the deductible.

Does Homeowners Insurance Cover Storm Damage in Tennessee?

If your home is damaged due to a storm or flood, you'll want to have an action plan in place. Your homeowners policy will automatically come with coverage for a storm up to the dwelling limit. If you have a flood, you'll need to carry a separate flood insurance policy to have coverage. Do the following to file a home insurance claim when a loss occurs:

• Step 1: Get to a safe place.
• Step 2: Call your independent insurance agent.
• Step 3: Ask your agent about the best way to go about obtaining temporary housing and a replacement vehicle.
• Step 4: Set up a meeting with your assigned adjuster. 

How Much Does Storm Insurance Cost in Tennessee?

The cost of any insurance policy will vary from property to property. In Tennessee, your home and commercial property insurance policies will come standard with coverage for storms. The expense is built into the policy, and quotes are needed to know your exact pricing. If you want protection from a flood, you'll need to pay for a separate flood policy, which will cost more. 

How an Independent Insurance Agent Can Help in Tennessee

Coverage for your personal or commercial property can be confusing if you're not a licensed agent. Tennessee storm insurance is typically included under your property policies automatically. It's good practice to review your coverage with a trained professional for accuracy.

A Tennessee independent insurance agent has a network of carriers to get coverage from for the best rates in town. They do the comparing for you at no additional cost so that you can relax. Connect with a local expert on TrustedChoice to get started today.