No two homes are exactly alike. Buying a policy "off the shelf " without a plan can result in a mismatch between what you need and what you’re paying for. Your homeowner’s policy should reflect the uniqueness of your home and your lifestyle. Following are a few of the details we consider in developing a recommendation for you:

• In what year was your home built?
• Has it been extensively renovated?
• Does it incorporate ‘smart’ technology in HVAC, lighting, security and other areas?
• Does it have certain features that would be difficult to replace — such as finely crafted woodwork, a slate roof, antique or period fixtures, custom windows, imported materials, unique brick work, copper gutters, etc?
• Is it furnished with unique, valuable or otherwise difficult-to-replace items, such as antiques, oriental rugs and original art?
• Is it of historical significance?
• Is it often vacant?
• Do you own jewelry worth more than $1,000?
• Do you want the option to receive a cash settlement rather than rebuilding in the event of a total loss?
• Do you need flood insurance?
• How much is your home worth today?
  (Has it been appraised recently? Some homeowner's policies include a very detailed, written appraisal).

Please Call 615-383-9061 For A Quote
Internet quotes available only to Tennessee residents.

Your vacation home is a place to ‘get away from it all’ - including the worries of insurance coverage. Some of the things Wade & Egbert takes into account in finding the right policy for your ‘home away from home’ are: Accounting for efforts you take to protect your home - such as having a caretaker or temperature monitoring system - in order to reduce your premium. The need for special catastrophic coverage for some locations, such as beachfront homes. Increased liability exposure if you rent your vacation home.

Please Call 615-383-9061 For A Quote

Internet quotes available only to Tennessee residents.

• How much coverage should I buy for my house?
• I’m building an addition to my house. Does this affect my insurance?
• What’s the easiest way to inventory my possessions?
• Where can I get an inventory checklist?
• Do I need insurance if I rent?
• How do I buy renter’s insurance and what does it cover?
• Do I need earthquake insurance?
• What kind of perils is my house protected against?
• Is my child's property covered while he / she is away at school?
• I've made improvements to my condominium. Are they covered by the association's master policy?
• I have an in-home business. How does this affect my insurance?
• How do I hire a reputable contractor to repair damage to my home?
  (Click here for a listing of qualified area contractors recommended by Wade & Egbert.)
• How do I file a claim after a natural disaster?
• How should I prepare for a natural disaster?
• I rent out my basement. Are my tenants covered by my homeowner's policy?

Please Call 615-383-9061 For A Quote
Internet quotes available only to Tennessee residents.

This website provides a basic summary of the insurance products offered by Wade & Egbert. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.