Tennessee HomeOwners with Home Insurance Coverage

Home Insurance

Home Insurance

Your home is probably the biggest investment you’ve made. At Parks & Associates Insurance, LLC, we understand and value your hard work and dedication in realizing that American Dream. We offer and customize your home insurance to suit your needs.

Parks & Associates Home Insurance Policies

Property Coverage

If hail, fire, theft and storms damage your home, the policy covers all costs. As you repair your house, it caters for all housing expenses. It is advisable to purchase an extra property coverage if you have valuable art and jewelry. It offers sufficient coverage for all items. Property protection pays all repair and replacement costs for the damaged property. Some insurance firms offer additional policies that cover your personal property.

Liability Coverage

Accidents are a common phenomenon in homes. If a guest is hurt in your home due to your mistake, liability coverage pays for their medical bills. All homeowner’s insurance does not cover damages due to floods and earthquakes. Bodily injury liability insurance pays for medical bills and legal expenses if you injure a visitor at home. You can purchase personal umbrella insurance to increase your liability policy limits. A Parks & Associates Insurance LLC, Tennessee agent can advise you on appropriate insurance options.

Dwelling Protection

Dwelling coverage is essential in all homeowners’ policies. It covers your home's structure and other home-related structures such as decks and garages against insured risks.

Other Structures Coverage

Parks & Associates Insurance LLC, Tennessee covers structures which are detached to your home such as the fence, garage and tool shed. However, the policy is optional.

Additional Living Expenses (ALE)

ALE pays for any extra cost you incur after renting an apartment as you repair your home. It caters for meals and hotel bills. However, it has a certain limit which is different from the money necessary to repair or rebuild your house. The policy covers the rent you would have received from a tenant if your home would have been in good condition.

Parks & Associates Insurance, LLC offers affordable and comprehensive home insurance. Call us or visit our offices to speak with one of our agents.

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Our Trusted Partners

  • American Modern
  • Farmers Mutual of TN
  • Foremost
  • Grange
  • MetLife
  • Nationwide
  • Progressive
  • Prudential
  • Safeco
  • Travelers