Name: April Gainer Insurance Agency
Address: 4466 Elvis Presley Blvd, Ste 243, Memphis, TN, 38116
Telephone: 901-398-7200

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Insurance Type

Here at the April Gainer Insurance Agency in Memphis, TN, our priority is to ensure your most precious investments are well-protected. As trusted experts in the field, we often encounter homeowners who are blissfully unaware of the details of their home insurance policy. One critical question that you should ask yourself is: are you fully covered?

Understanding Your Current Home Insurance Coverage

As a homeowner in Memphis, the first step in evaluating your home insurance is to understand what your current policy covers. Typical home insurance policies offer coverage for the structure of your home, personal belongings, legal responsibilities due to injuries or property damage to others, and additional living expenses if you’re temporarily unable to live in your home due to a covered disaster.

Does Your Home Insurance Cover Everything?

Whilst your insurance policy may seem extensive, there are certain disasters like floods and earthquakes that standard home insurance does not cover. To fully protect your home, it’s important to consider additional coverages, such as flood or earthquake insurance, depending on your location and the associated risks.

Identify Your Coverage Needs with April Gainer Insurance Agency

At our agency in Memphis, TN, we believe your coverage should be customized to your specific needs. Factors such as home-business operations, high-value items like jewelry or artwork, and frequent house guests can all impact the type and amount of coverage you might need. We encourage homeowners to consider these elements when evaluating their coverage

Ensure Comprehensive Protection with Your Home Insurance

At the end of the day, your home is not just one of your most significant assets, but it is also the place where memories are created. As such, ensuring you have comprehensive home insurance coverage is crucial. At the April Gainer Insurance Agency, we’re here to help you evaluate your current policy and ensure that you’ve got the coverage you need to protect both your home and your peace of mind.

What It Covers

Everyone knows that homeowners’ insurance usually covers fires that start inside of homes, but what about wildfires that originate elsewhere? This natural disaster has become increasingly common in recent years, especially during droughts. The good news is that homeowners’ insurance generally covers damage caused by wildfires.

Tennesseans also face the threat of severe thunderstorms and tornadoes. These storms can produce lightning, hailstones, and high winds that inflict tremendous damage. Fortunately, home insurance typically covers these disasters. Keep in mind that homeowners still have a responsibility to maintain roofs, windows, and siding in an effort to minimize potential damage.

What Isn’t Covered

On the other hand, separate policies are needed for certain types of disasters, such as floods. Flooding is always a threat when too much rain falls too quickly. This is especially true in locations near streams or rivers, such as Memphis, TN. Homeowners in these areas should consider obtaining flood insurance.

Earthquakes are also possible in Tennessee, particularly in the eastern and western parts of the state. Unlike heavy rain, quakes remain quite difficult to predict. They can damage or destroy buildings very quickly. Standard home insurance doesn’t cover this natural disaster, but you may choose to acquire a separate earthquake policy.

The April Gainer Insurance Agency helps Tennessee homeowners find the right coverage that truly addresses their needs. We independently compare policies offered by a variety of dependable insurers. To get started, please call 901-398-7200 to reach the April Gainer Insurance Agency office in Memphis, TN.