TN-Auto-Home-Insurance-Benton County TN

As an independent insurance agency, we have the ability to quote your auto and home insurance with several different companies, allowing us to offer you the best protection at the best price in Benton County, TN.

Insuring Your Autos in Benton County TN

If you live in Benton County, TN and are currently carrying the minimum limits of liability required by the state of Tennessee, you might want to reconsider your coverage.

The Tennessee state minimum property damage liability

coverage is $ 10,000.

Do you completely understand what could happen

if you are found to be at-fault in an accident which

totally destroys a $ 40,000 vehicle ?

Insuring Your Home in Benton County TN

Your home in Benton County, TN is probably the largest single investment you will ever make. It only makes sense that your home insurance program be designed accordingly.

Your home's current market value and the amount of money it would take to totally rebuild it will most often be two different amounts.

Does your home insurance policy cover the full "replacement cost" or is it an "actual cash value" policy?

Replacement Cost

This insurance coverage will provide the amount of money necessary to replace the damaged property with one of similar type and quality at the "current price".

Actual Cash Value

This insurance coverage will provide reimbursement for damaged property at its "depreciated value".

In addition to providing insurance protection for your home, your home insurance policy should provide coverage for:

Other buildings or structures on the property
Personal Property-furniture, clothing, appliances, etc.
The cost of additional living expenses should you be unable to live in your home due to a covered loss.

We believe that the true purpose of home and auto insurance in Tennessee is to bring a person back to the same financial condition as existed prior to a covered loss.

If your auto and home insurance policies in

Benton County, TN are not properly designed or are inadequate in amounts or types of coverage,

this will not happen.