Homeowners Insurance
Get a Home Insurance Quote Today!
At Hutsenpiller Insurance, we make it easy to protect your home. Contact us today for a no-obligation quote. Our friendly and knowledgeable agents are ready to help you find the perfect homeowners insurance policy that meets your needs and budget.
Can I bundle my home insurance with other policies?
Yes! Bundling your home insurance with auto, boat, or even life insurance can save you money and simplify your coverage. Most of the carriers we work with offer discounts for bundling, and we’ll help you find the best combination to maximize your savings while keeping you properly covered.
Can you shop my home insurance with multiple insurance companies?
Yes! As an independent agency, we work with several top-rated insurance companies to compare coverage and pricing. We do the shopping for you to make sure you’re getting the best deal without sacrificing protection.
Switching insurance seems like a hassle. Do you do anything to make it easier?
We get it—changing insurance can feel like a headache, but we make it completely painless with our White Glove Service. We handle everything for you, from canceling your old policy to setting up your new one, so you don’t have to deal with any of the back-and-forth. We’ll even help you get refunds on unused premiums if applicable. All you have to do is sign, and we take care of the rest!
Does homeowners insurance cover water damage?
It depends on the cause! Sudden and accidental water damage (like a burst pipe) are usually covered, but gradual damage (like a slow leak) and flood-related damage are not.
Does homeowners insurance cover roof damage?
Yes, if the damage is caused by a covered peril like wind, hail, or fire. However, wear and tear or lack of maintenance is not covered.
If my tree falls on my house, am I covered?
UPDATE
Does homeowners insurance cover foundation issues?
What if a guest gets injured in my home—am I liable?
If a guest is injured on your property due to negligence (like a slippery floor or broken steps), your homeowners insurance liability coverage can help pay for their medical expenses and legal fees if they sue. However, if the injury happens due to their own carelessness, you may not be held responsible.
Why choose Hutsenpiller Insurance?
Independent and Local: As an independent insurance agency, we work for you, not the insurance companies. This allows us to offer a wide range of options from multiple top-rated insurers, ensuring you get the best coverage at the most competitive rates.
Personalized Service: Our team takes the time to understand your specific situation and tailor insurance plans that fit your lifestyle and budget.
Experienced Agents: With years of experience in the industry, our knowledgeable agents are here to guide you through the insurance process, making it simple and hassle-free.
Community-Focused: We are proud to serve the residents of Tennessee, and our commitment to the local community sets us apart.
Homeowners Insurance Coverage
We offer the following options;
- Dwelling Coverage – Covers the structure of your home, like walls, roof, and foundation, against covered perils like fire, wind, and vandalism.
- Personal Property Coverage – Protects your belongings, like furniture, electronics, clothing, if they are stolen/damaged by a covered event.
- Liability Coverage – Pays for legal fees and damages if you are found responsible for injuring someone or damaging their property.
- Loss of Use – Covers temporary housing and extra expenses if your home becomes unlivable due to a covered loss.
- Deductible – The amount you pay out-of-pocket before your insurance starts covering a claim. High deductibles usually mean low premiums.
- Replacement Cost – Pays to rebuild or replace damaged property with new items of similar quality, without deducting for depreciation.
- Actual Cash Value (ACV) – Pays for damaged property based on its depreciated value, not what it would cost to buy new.
- Endorsement – An optional policy add-on that provides coverage for specific items or risks, such as jewelry, home offices, or earthquakes.
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Exclusion – Specific situations or types of damage that are not covered by a homeowners insurance policy, like floods or normal wear and tear.
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Peril – A specific risk or event that may cause damage to your home or belongings, such as fire, theft, windstorms, or hail.