Tag Archives: tn

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

Winterize Your Home

If you want to save money on your home heating costs this winter, think about what you need to do to winterize your home. Thanksgiving is just around the corner, and it’s time to start thinking about protecting your home from the damaging effects of cold weather. Here is how you can get ready for… Continue Reading

Your Local Insurance Agent

One of the things I hear from clients all the time is how they are so happy to be dealing with a “real” person when they need to file a claim or just make adjustments to their current insurance policies. It takes a conversation sometimes to make sure all your insurance needs are taken care… Continue Reading

Aggressive Driving

Aggressive drivers are everywhere. You look in your rear view mirror and see the driver behind you, seemingly, two inches from your bumper. And even though you may be tempted to slam on your brakes to make them back-off, resist that temptation. These are the type situations that lead to road rage and people getting… Continue Reading

Kid’s Captain Experience

For the 5th year, Farm Bureau Insurance is again the sponsor of the “Farm Bureau Insurance Kids Captain” at every Tennessee Titans home game. For each of the 10 home games, a winning child will be selected to participate in a truly “once in a lifetime” experience down on the field. He/she will walk out… Continue Reading

Purchasing Life Insurance For Your Child

Thinking and planning for your child’s final expenses is something none of us want to think about, but it’s something, as parents, we should consider. I have three children of my own and I know I don’t want to think about these things. But unless you have $15,000 put away to handle final expenses, it’s… Continue Reading

Your Contribution

Recently, I attended the Chamber Magazine unveiling at The Arcade in Lebanon. This is just one of many events I have attended over the years. One of the things that I really like about what I do is being involved in my community and meeting new people at events, like this one, and being involved… Continue Reading

Are You Covered?

Insurance is something we kind of take for granted. Most of us have car insurance, life insurance, a home owner’s policy, and hopefully, health insurance. BUT … are you really covered? Do you have all the insurance you need to protect yourself, your family, and your valuable possessions? Taking your insurance coverages for granted is… Continue Reading

Get In Shape!

Last year, I started sponsoring a racquetball league at the Jimmy Floyd Center in Lebanon. We have had a blast. Currently, we have around 20 people who participate, but we are always looking for other people who want to get a good workout playing racquetball. And you don’t have to be an ace player to… Continue Reading