Tag Archives: tennessee

Homeowners Insurance

Spring is in the air and the real estate market in Wilson County and the surrounding areas is booming. Warmer weather and sunshine seems to get people into a home shopping mode. And something that anyone who is considering buying a home needs to think about is purchasing their home insurance.

Almost everyone knows they need homeowners insurance when they purchase a new home. But some people purchasing a home (and some current homeowners) do not understand home owners insurance. In a nutshell, homeowners insurance provides for financial protection against disasters. If you have a basic policy, your home is insured along with the things in it. If you have a fire and lose everything, then the homeowners policy will probably take care of replacing the home and it’s contents.

But there are exceptions. For example, if you are a musician, you will need to purchase a separate policy on your guitars, amps, keyboards, etc. This is something a lot of people find out too late when they have a disaster, such as a tornado or a fire where they lose everything in the home. And it’s not only musical instruments. There are other items in your home that may not be covered under your home owners insurance policy. This is something you will need to discuss with your local insurance agent.

Actually, one of the first things you should do when you purchase a new home is to contact your local insurance agent to discuss the type home you are purchasing and get an overview of what your home owners policy will cover. Don’t take anything for granted when it comes to protecting, for most people, your most valuable asset. And don’t assume that when you have a homeowners policy, everything is covered. There are exceptions, as outlined above, so don’t wait until you need the coverage to make the important decisions on your homeowners policy.

And it’s also important to sit down with your local insurance agent at least once a year to go over your policy to make sure you are protected. Property valuations change and you could have a few high-priced purchases since you purchased your policy. Make sure you are covered and don’t suffer a financial setback when disaster strikes.

ATV Insurance Coverage

A lot of people around Wilson County – Lebanon, Mt Juliet, Watertown – own ATVs. And there is nothing more fun that hitting the local trails or riding on your farm for an afternoon of fun. But, as everyone knows, these vehicles can be very dangerous and anything can happen. That’s why you need to… Continue Reading

Farm Bureau Member Benefits

            One of the things that lot of people don’t know about Farm Bureau Insurance is the benefit of being a member of Farm Bureau. The annual membership is only $25 and provides you with a lot of perks. Here are just a few of the things covered by your… Continue Reading

Wilson County CASA

              This is an organization here in Wilson County that provides a great opportunity for the right volunteer. Wilson County CASA is a children’s advocate group. The organization and its volunteers provide a voice for youth who may not have a voice otherwise. It was originally founded in 1977… Continue Reading

How Much Life Insurance Do You Need?

                One of the greatest tragedies I have seen is when someone loses a spouse or loved one, and then they find out too late they do not have enough life insurance to cover their final expenses. Things like burial costs and transition expenses can put an unnecessary… Continue Reading

BNI (Business Network International)

      Last week I attended my weekly referral meeting in Lebanon which is BNi. We meet at the Lebanon Chamber office usually every Thursday morning. Referrals are a very big part of my business and one of the things I take pride in. Referrals are really saying trust between business professionals. Continue Reading