Homeowners Insurance
in Tennessee
and Mississippi
Your home is your most important asset. We shop Travelers, Liberty Mutual, Grange, Nationwide, and more to find the policy that protects your investment — at a price that reflects your specific situation, not just your zip code.
What Homeowners Insurance Actually Does
A homeowners policy is a package of protections that works together to shield you from financial loss. The dwelling portion pays to rebuild or repair your home's structure if it is damaged by fire, storm, vandalism, or other covered perils. Personal property coverage extends to your furniture, clothing, electronics, and belongings. Liability protection covers you if someone is injured on your property and files a claim against you. And if a covered loss forces you out of your home, additional living expenses coverage pays for your hotel, meals, and incidentals while repairs are made.
For homeowners in Germantown, Collierville, Bartlett, Southaven, Olive Branch, and throughout the Mid-South, a well-structured homeowners policy is the foundation of a sound financial plan. Construction costs in the Memphis metro area have increased substantially in recent years, which means many homeowners are carrying outdated coverage limits that would leave them underinsured in the event of a total loss. We review your replacement cost with every new policy and at every renewal.
When You Need Homeowners Coverage
Nearly every homeowner needs this coverage — whether it is required by a lender or simply the responsible choice for protecting your largest investment.
Mortgage Holders
If you carry a mortgage on your home, your lender requires homeowners insurance as a condition of the loan. Letting coverage lapse typically triggers force-placed insurance from the lender — which is more expensive and protects the lender's interest, not yours.
Free-and-Clear Homeowners
Even without a lender's requirement, going uninsured on a home worth hundreds of thousands of dollars is rarely wise. A single storm, fire, or liability judgment could wipe out decades of equity in one event.
New Construction Buyers
Closing on a new home in Arlington, Collierville, or DeSoto County typically requires proof of insurance before the lender releases funds. We work with closing attorneys and real estate professionals throughout the Mid-South to ensure seamless coverage at closing.
Homeowners in High-Risk Zones
Properties near creeks, low-lying areas, or older neighborhoods with aging infrastructure face elevated risk. A properly structured homeowners policy, combined with flood and umbrella coverage, creates a comprehensive protection plan for these locations.
Core Coverages in a Standard Policy
Dwelling Coverage (Coverage A)
Pays to repair or rebuild your home's structure — walls, roof, floors, built-in appliances, and attached structures like a garage. Coverage should reflect today's actual rebuild cost, which we calculate using professional replacement cost estimators.
Personal Property (Coverage C)
Covers your belongings — furniture, clothing, electronics, and more — whether they are damaged at home or away. High-value items such as jewelry, art, or collectibles may require a scheduled endorsement for full protection.
Personal Liability (Coverage E)
Protects you if someone is injured on your property or you are responsible for damage to someone else's property. Standard limits begin at $100,000, but we typically recommend $300,000 or higher, paired with an umbrella policy.
Additional Living Expenses (Coverage D)
Pays for temporary housing, meals, and other necessary costs if your home becomes uninhabitable due to a covered loss. This coverage keeps your family stable while repairs are underway — a detail that matters most when you need it.
What's Typically Excluded
Standard homeowners policies are not all-risk policies. These common perils require separate coverage or endorsements.
- Flood Damage — Not covered under any standard homeowners policy. Properties near Wolf River, Nonconnah Creek, or low-lying areas in DeSoto County should carry a separate flood policy.
- Earthquake — Seismic damage is excluded. Given the Mid-South's proximity to the New Madrid Seismic Zone, earthquake coverage is worth serious consideration for many homeowners.
- Sewer Backup and Water Seepage — Damage from sewer or drain backup is typically excluded but can often be added as an endorsement at modest cost.
- Routine Maintenance and Wear — Insurance is not a home warranty. Gradual deterioration, mold from neglected leaks, or pest damage are generally not covered.
- High-Value Valuables Above Sub-Limits — Standard policies have per-item limits on jewelry, firearms, fine art, and silverware. A scheduled personal property endorsement removes those sub-limits.
Homeowners Insurance FAQ
Ready to Get Covered?
Let's build the right policy for your situation. Start online or talk to a real advisor who knows the Mid-South market.