Home & everyday life

Home insurance in Tennessee

A home policy should fit the home you actually live in.

Illustration of a brick home with a porch, mature trees and a front walk.

Buying a home, reaching a renewal, or replacing an older policy is a good time to look beyond the price. Richard Moore Insurance Agency helps Tennessee homeowners discuss their property, compare available options, and understand the coverage choices in a quote.

What to discuss

A closer look at the coverage.

Rebuilding the home

Discuss the cost to rebuild the structure, rather than assuming the purchase price or mortgage balance is the right dwelling limit.

Belongings and temporary living costs

Review personal property limits, how losses are valued, and when additional living expense coverage may apply.

Liability and deductibles

Compare liability limits and the amount you would need to pay toward a covered loss. Ask whether wind or hail has a separate deductible.

Come with questions

Ask before you decide.

How is roof damage settled under this specific quote?
Are water backup, service lines, or valuable belongings covered or available by endorsement?
Does the policy fit a home office, rental activity, renovation, or vacancy?

A useful starting point

What to have handy.

Current declarations page and renewal notice
Roof age, recent updates, and approximate home details
Claims history and any changes in occupancy

Please use the agency’s quote form for requested personal information. Avoid sending sensitive documents through ordinary email.

Keep the policy details in view

Flood, wear and tear, maintenance, and some water losses can fall outside a homeowners policy. A covered cause of loss, policy wording, endorsements, limits, and deductibles all matter. Tell the agency about changes before assuming an existing policy fits.