As a homeowner, the purchase of your home is probably one of the largest investments you’ll ever make. As a result, most homeowners want to know that their investment is protected from damage and any number of unexpected situations. Fortunately, homeowners insurance is designed to do just that-provide protection for one of your largest investments. However, homeowners should be aware of any situation or item that isn’t typically covered by homeowners insurance. 

What’s Covered by Homeowners Insurance?

Typically, homeowners insurance covers four primary areas. These areas include your home or dwelling, any other structures or buildings on your property, your personal property or belongings, and liability. Liability coverage is designed to protect you should a visitor become injured while at your home. Liability coverage also includes damage to a visitor’s personal property. A homeowners’ policy simply covers the repair or replacement of your home and your personal items should anything happen. The damage can come from fire, poor weather, smoke, as well as theft and vandalism. Damage from inclement weather can come from lightning, wind, and hail. 

What’s NOT Covered?

Although homeowners insurance covers many things, there are a few key things that aren’t covered under a standard homeowners’ insurance policy. Our team at Carr insurance Group knows that understanding what’s covered and what’s not can be confusing. As a result, we’re committed to helping Maryville, TN homeowners understand coverage guidelines. Homeowners should understand that a standard policy won’t cover valuable jewelry beyond a certain dollar amount, artwork and collectibles, or damage caused by natural disasters like an earthquake or flood. These scenarios would require a homeowner to purchase separate policies or additional amendments to cover these areas. If you still have questions about what’s not covered under a standard policy, give us a call. We’re standing by. 

You have home insurance to protect the things that you have worked your whole life for. One thing that may make your home life feel even more secure is an at-home security system. Your home insurance company will reward you for it too.

There’s more to an at-home security system than benefits to your Tennessee home insurance policy. At Carr Insurance Group, we want Maryville, TN homeowners to feel secure and prevent every possible risk.

Here is how you can protect your valuables with home security.

Monitored Home Alarm System

When you have a monitored home alarm system, insurance companies like this. You don’t need to spend a lot here either. Insurance companies like this because this is a professional system that will handle threats and insurance risks almost immediately. A monitored system is key here.

You want an alarm system with a code and a company that will take care of threats for you. You can usually get this at very affordable monthly rates.

And you’ll be safer, which is what insurance companies love most about these.

Smoke Alarms and Flood Alarms

Burglars and vandals and invasions aren’t the only risks to your home and property. You want to protect it from smoke and flooding or inclement weather as well. You can purchase smoke and flood alarms from the hardware store and have them installed.

Outdoor Surveillance

Video surveillance is an excellent addition to any home security system. You don’t have to get too fancy here. There are a number of outdoor cameras at tech stores and online retailers that are very affordable and easy to install.

You may also want to consider adding motion sensor lights. That will help increase the security around your home. These often act as a deterrent to strangers but also can help you with your video feeds.

Get a Quote

At Carr Insurance Group, we know that all of these things are affordable touches that will help keep the homes of Maryville, TN residents safer. With these additions, your home experiences fewer risks. Talk to an insurance agent today about how these home security touches can help with your home insurance policy.