If you are like most people, your home is your largest investment and your most valuable asset. Have you thought about how you would recover financially if something happened to your most valuable asset? Your homeowners policy is arguably the most important insurance policy you pay for every year. Wouldn’t you agree?

So don’t you also agree that it’s important to evaluate your homeowners policy periodically to make sure you have the right amount of coverage? Think about the upgrades you may have made to your home. And consider how building costs and home values have skyrocketed over the past few years. Has your current policy kept up with current building costs and home values? You could be underinsured and not find out until it’s too late.

If you are underinsured, your financial future could be devastated due to wind damage or a house fire. According to the tn.gov website, Tennessee ranks 11th in the nation for Fire Mortality Rate. The Fire Mortality Rate takes into account population changes over time to measure fire deaths proportional to the population. There were over 89 deaths due to house fires in 2018 statewide. Did you know that February is the worst month for fires? And the two major causes of house fires are cooking and heating. And we all know how the wind can cause damage in our area due to our experiences in the past few years. And some of us have actually experienced this.

You could potentially have flooding in your home. And I’m not necessarily talking about floods from torrential rainfall. What if a pipe burst in your home and flooded the interior? Are you covered?

Water damage, fire, exterior wind damage, on-property injuries, theft, and hail could be potential risks to your home (and your financial future). So I have a couple of questions for you… do you have the right amount of coverage to replace your home in the event of major damage due to wind, fire, or any of the other things mentioned above? Doesn’t it make sense to periodically evaluate your homeowners policy to protect your most valuable asset?

At our Farm Bureau Insurance Castle Heights Office, we are ready to sit down with you face-to-face and evaluate your current coverage. It only takes a few minutes. Wouldn’t it be nice to know all your bases are covered when it comes to insuring your home and you are protected in case there is a major event?

Stop by our Farm Bureau Castle Heights office in Lebanon or call 615-453-9702 to get a free home insurance review. This is a no pressure evaluation of your home insurance needs. It is NOT a sales pitch. Our goal is to develop a certain level of trust with all our clients so they know they can trust us with all their insurance needs. You will receive a free Farmer Charlie cap just for stopping by.