Home Insurance in White House, TN
As a homeowner, you should realize that insurance is one of the most important investments you may ever make. Purchasing a home is a significant milestone in your life, but it also represents one of the most expensive transactions in which you might ever take part. Given this significance, as well as the unfortunate inevitability of property damage and other incidents, the right home insurance policy may be essential for future financial security.
What Home Insurance Covers
Home insurance may come in several forms with varying components and capabilities. Policies can typically be customized to suit your unique circumstances, including your needs, budget and risk tolerance. Standard homeowners insurance policies can address losses caused by many common incidents, such as fires, hail, burglaries and vandalism, and typically consist of the following financial protections: 
- Dwelling coverage can financially protect your primary residence, including its roof, foundations, walls, attached fixtures and plumbing and electrical systems.
- Other structures coverage can cover damage sustained by detached garages, sheds, gazebos and other outlying structures on your property.
- Personal property coverage may assist with losses involving your belongings, such as furniture, electronics and clothing.
- Personal liability coverage may help address third-party losses for which you or a family member are at fault, such as a guest’s bodily injuries or a neighbor’s property damage.
- Additional living expenses coverage can help pay for hotel stays, restaurant meals, transportation and other costs if you’re forced to leave your home due to a covered incident.
When Is Insurance Required?
There are no all-encompassing laws requiring home insurance in Tennessee. However, other parties may impose mandates. For example, many mortgage lenders may require you to carry coverage as long as your loan remains outstanding. Alternatively, if you’re part of a homeowner’s association, you might need to fulfill insurance-related obligations.
Where to Get Homeowners Insurance Near Me
Contact Wilkinson Insurance Agency today to discuss your homeowners insurance needs and explore coverage options. Our knowledgeable and experienced team can help you find an ideal policy.