When it comes to severe weather, the right protection for a loss can make all the difference. If you're without proper coverage, you could be out hundreds of thousands of dollars. Tennessee homeowners insurance can have coverage for tornado damage. 

Fortunately, a Tennessee independent insurance agent will have access to policy and premium options. They work with several carriers so that you don't have to. Get connected with a local expert for custom quotes.

What Is Homeowners Insurance?

In Tennessee, your homeowners insurance can cover a lot of different claims. Some of the most common will fall under your basic policy limits. Check out what home insurance is below.

• Homeowners insurance: Provides bodily injury liability, property damage, and additional living expense coverage for your primary home.

What Does Homeowners Insurance Cover in Tennessee?

It's essential to know what your Tennessee homeowners policy will cover. If you aren't aware of the limits for each of your coverages, you could be surprised when a loss occurs. Check out what's typically included under your home insurance.

• Dwelling limit: Pays for the replacement or repair of your home itself when a covered claim occurs.
• Personal property: Pays for the replacement or repair of your personal belongings.
• Personal liability: Pays for bodily injury, property damage, and libel or slander claims against a household member.
• Loss of use: Pays for your lost rental income when a claim shuts down your operation for a period of time. 
• Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.

The primary perils that are covered under most home policies are below.

• Fire
• Wind
• Hail
• Lightning
• Severe storms
• Theft and vandalism

What Does Homeowners Insurance Not Cover in Tennessee?

Your Tennessee home policy will have exclusions that apply. One item it won't protect against is flooding. Another will be if you have low limits. If you don't have adequate coverage on your homeowners policy, you might be only partially insured. Take a look at weather-related claims below.

Overall Losses Due to Natural Disasters in the US

Coverage is necessary for tornadoes and other disasters that could strike your Tennessee home. If you're without proper protection, you could have to pay a substantial amount out of pocket. 

Tornado and Disaster Statistics

Your Tennessee homeowners insurance will have an option for protection against tornado damage. Most policies will automatically include tornado coverage. Let's look at the numbers.

Number of tornadoes in the US annually: 1,000

Number of tornadoes in Tennessee annually: 26

Deadliest Tornadoes in the US

Severe weather is a part of life. If you have to file a homeowners claim due to tornado damage, you'll want a trusted adviser in your corner. 

What to Do after a Tornado Hits Your Tennessee Home

If a tornado hits your Tennessee home, you'll likely be in shock. You'll want to have an action plan in place before a claim occurs. Here are four easy steps to consider if you're a victim of a tornado loss.

• Step 1: Get to a safe place
• Step 2: Call your independent insurance agent
• Step 3: Obtain temporary housing paid for by insurance
• Step 4: Set up a meeting with your assigned adjuster to go over damage and loss 

How a Tennessee Independent Insurance Agent Can Help 

When you're shopping for homeowner insurance in Tennessee, it's important to know what you're getting. If you're trying to go at it alone you could be missing key coverages. Consider using a trained adviser at no additional cost to you.

A Tennessee independent insurance agent will review your coverage options for free, saving you time and money. Since they have a network of carriers, they do the shopping for you. Connect with a local expert on TrustedChoice.com in minutes.