The Tennessee state minimum property damage liability insurance coverage is $15,000 .  There are a lot of vehicles on TN roads today with a replacement value far in excess of

$15,000.

Do you completely understand what could happen if you are found to be at-fault in an accident which totally destroys an auto valued at $40,000?

Can you afford to pay the $25,000 difference out-of-pocket? 

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

If your auto insurance policy in Maury County, TN is not properly designed with adequate insurance protection it could possibly cost you far more than the reduced premium for the minimum insurance coverage.

Your home in Maury 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 your home will most often be two different amounts.

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

Replacement Cost

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

Actual Cash Value

This home insurance coverage will provide reimbursement for your home or other damaged property at its "depreciated value".

We believe 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 auto or home loss.

If your auto and home insurance policies in

Maury County, TN are not properly designed or are inadequate in amounts or types of insurance coverage, this will not happen.