Homeowners
HOMEOWNERS INSURANCE
We understand that there is much more to your home than just your home. This is why we cover so much more than just your house including other structures on your property (barn, pool, fence, etc.), your belongings, and even temporary living expenses during home repairs or reconstruction. This is how we make certain you are able to live life protected.
Begin Your Home Quote
Our insurance advisors begin by taking the time to understand your unique needs, search for gaps in coverage and create a custom plan that allows you to Live.Life. Protected. From home insurance to renters insurance, we are dedicated to assisting residents of Cleveland, Tennessee, and throughout Southeast Tennessee and North Georgia with protecting their way of life.
What is Homeowners Insurance
Dwelling
Dwelling coverage pays for damage to your home and anything permanently attached to it. This includes your garage, roof, chimneys, attached decks or porches, countertops, cabinets, flooring, vanities, and heating and air units .
Other Structures
Other structures coverage includes unattached garages, gazebos, decks, patios, sheds, pergolas, fences, and barns.
Personal Property
Personal property covers just about all of your stuff if it's damaged or stolen. This can include electronics, furniture, clothes, tools/power equipment, and more. Your personal property is even covered if they're not stored in your home (sheds, garages, your car, storage facilities (up to a limit), etc.).
Loss of Use
If a covered loss such as a fire or tornado (for example) were to damage or destroy your home beyond the point of you being able to safely reside in your home, you can take comfort in knowing your policy would pay for you to relocate until your home is once again in livable condition.
Personal Liability
If someone sues you for injuries sustained on your property, personal liability will pay for your lawyer, court fees, and certain damages you have to pay, subject to your policy limits.
Medical Payments
Medical payments coverage pays for medical bills if someone else is hurt at your home or on your property.
Loss of Use
If a covered loss such as a fire or tornado (for example) were to damage or destroy your home beyond the point of you being able to safely reside in your home, you can take comfort in knowing your policy would pay for you to relocate until your home is once again in livable condition.
Personal Liability
If someone sues you for injuries sustained on your property, personal liability will pay for your lawyer, court fees, and certain damages you have to pay, subject to your policy limits.
Medical Payments
Medical payments coverage pays for medical bills if someone else is hurt at your home or on your property.
CONTACT US
OFFICE LOCATION
The Hill Agency
149 County Road 741
The Hill Agency
149 County Road 741
Riceville, TN 37370