Tennessee has experienced a wide range of natural disasters, from wildfires to floods. Home insurance covers some but not all of them. Knowing what disasters are covered is important, as is ensuring you have the right insurance to protect your home adequately.
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.
