Homeowner Insurance
Homeowners Insurance in Tullahoma, Tennessee
Not only is your home one of your biggest financial assets, but it's also a cherished part of your life story. Many of your most beautiful memories will be made in your home, which is why it's so important to protect it. At Lester, Greene, McCord and Thoma Insurance, our goal is to get the best coverage for the best price. We will market your insurance to all of our top rated carriers to see which company has the best price with the best coverage options.
A variety of factors affects how home insurance works. It's about a lot more than simply protecting the physical aspects of the home. A comprehensive insurance policy will handle both property coverage as well as protection if someone is injured on your property.
Home and Property Coverage
A homeowners policy is to pay for damage to your home caused by lightning, fire, wind, hail, tornadoes, and other disasters listed in your policy. Some common exclusions are flood, earthquake, or routine wear and tear. The most important part of a homeowners policy is to cover the home for what it would cost to rebuild and not for how much you could sell it for or what you paid for the home.
Personal Property Coverage
A homeowners policy offers personal property coverage. With most companies, this is just a percentage of the replacement cost of the home. This includes coverage for furniture, clothes, appliances, and other personal items in the home. It is important to keep in mind that expensive items like jewelry, furs, silverware or other expensive items be reviewed with your agent. It is a good idea to make sure these items are scheduled separately from the personal property coverage if needed on the homeowners policy.
Liability Protection
Liability Coverage is something that most homeowners don't consider. What would happen if someone came to your home, slipped and fell, and then decided to sue you for damages? It might seem unlikely, but this happens far more than you think. A simple liability policy can provide peace of mind, guarding your assets against loss if such an unfortunate incident were to occur. Liability covers against lawsuits for bodily injury or property damage to others.
Living Expenses
Some policies provide money for temporary housing, food and other living expenses if you were to be forced from your home due to a covered loss. In event of a claim, the living expenses on the homeowners policy will help pay for additional expenses that may occur during a claim.
For more information, please contact the experienced team at Lester, Greene, McCord and Thoma today for homeowners quotes in Tullahoma, Manchester, Winchester, Lynchburg, Decherd, Shelbyville and surrounding areas.
This content represents only brief statements that relate to coverages. Please consult your independent agent for specific coverages, conditions and exclusions, as well as information about other fine products from This content represents only brief statements that relate to coverages. Please consult your independent agent for specific coverages, conditions and exclusions, as well as information about other fine products from Lester, Greene McCord and Thoma Insurance. Insurance
Not only is your home one of your biggest financial assets, but it's also a cherished part of your life story. Many of your most beautiful memories will be made in your home, which is why it's so important to protect it. At Lester, Greene, McCord and Thoma Insurance, our goal is to get the best coverage for the best price. We will market your insurance to all of our top rated carriers to see which company has the best price with the best coverage options.
A variety of factors affects how home insurance works. It's about a lot more than simply protecting the physical aspects of the home. A comprehensive insurance policy will handle both property coverage as well as protection if someone is injured on your property.
Home and Property Coverage
A homeowners policy is to pay for damage to your home caused by lightning, fire, wind, hail, tornadoes, and other disasters listed in your policy. Some common exclusions are flood, earthquake, or routine wear and tear. The most important part of a homeowners policy is to cover the home for what it would cost to rebuild and not for how much you could sell it for or what you paid for the home.
Personal Property Coverage
A homeowners policy offers personal property coverage. With most companies, this is just a percentage of the replacement cost of the home. This includes coverage for furniture, clothes, appliances, and other personal items in the home. It is important to keep in mind that expensive items like jewelry, furs, silverware or other expensive items be reviewed with your agent. It is a good idea to make sure these items are scheduled separately from the personal property coverage if needed on the homeowners policy.
Liability Protection
Liability Coverage is something that most homeowners don't consider. What would happen if someone came to your home, slipped and fell, and then decided to sue you for damages? It might seem unlikely, but this happens far more than you think. A simple liability policy can provide peace of mind, guarding your assets against loss if such an unfortunate incident were to occur. Liability covers against lawsuits for bodily injury or property damage to others.
Living Expenses
Some policies provide money for temporary housing, food and other living expenses if you were to be forced from your home due to a covered loss. In event of a claim, the living expenses on the homeowners policy will help pay for additional expenses that may occur during a claim.
For more information, please contact the experienced team at Lester, Greene, McCord and Thoma today for homeowners quotes in Tullahoma, Manchester, Winchester, Lynchburg, Decherd, Shelbyville and surrounding areas.
This content represents only brief statements that relate to coverages. Please consult your independent agent for specific coverages, conditions and exclusions, as well as information about other fine products from This content represents only brief statements that relate to coverages. Please consult your independent agent for specific coverages, conditions and exclusions, as well as information about other fine products from Lester, Greene McCord and Thoma Insurance. Insurance