Home insurance Tennessee .
Oct 5th 2019, 1:21 pm
#1
Forum Regular
Thread Starter
Joined: Mar 2017
Location: West Midlands UK Greene County Tennessee
Posts: 155
Home insurance Tennessee .
Hi all,
looking at house insurance and wanted other other people's experiences with this. Obviously it's much more expensive here than it is in the U.K., which was a shock. At the moment I'm solely on the deeds and the price is a thousand dollars over the combined price, with myself and the wife added, now is that just the case !!!!! Are all insurance companies this high, is it a case of shopping around, do they all go through credit checks, although I have the money outright to pay up front, it's so frustrating......kind regards.
looking at house insurance and wanted other other people's experiences with this. Obviously it's much more expensive here than it is in the U.K., which was a shock. At the moment I'm solely on the deeds and the price is a thousand dollars over the combined price, with myself and the wife added, now is that just the case !!!!! Are all insurance companies this high, is it a case of shopping around, do they all go through credit checks, although I have the money outright to pay up front, it's so frustrating......kind regards.
Oct 5th 2019, 2:27 pm
#2
Austin. TX.
Joined: Sep 2013
Posts: 5,930
Re: Home insurance Tennessee .
home owner's insurance? do you mean $1000 per year? If so, that sounds about right.
We have our car insurance and home insurance with the same company so we get a small discount. Also since we have both of these insurances we use an "umbrella" policy.
Please confirm that it is home owner's and $1000 pa then we can talk about umbrella policies.
We have our car insurance and home insurance with the same company so we get a small discount. Also since we have both of these insurances we use an "umbrella" policy.
Please confirm that it is home owner's and $1000 pa then we can talk about umbrella policies.
Oct 5th 2019, 3:20 pm
#3
Forum Regular
Thread Starter
Joined: Mar 2017
Location: West Midlands UK Greene County Tennessee
Posts: 155
Re: Home insurance Tennessee .
home owner's insurance? do you mean $1000 per year? If so, that sounds about right.
We have our car insurance and home insurance with the same company so we get a small discount. Also since we have both of these insurances we use an "umbrella" policy.
Please confirm that it is home owner's and $1000 pa then we can talk about umbrella policies.
We have our car insurance and home insurance with the same company so we get a small discount. Also since we have both of these insurances we use an "umbrella" policy.
Please confirm that it is home owner's and $1000 pa then we can talk about umbrella policies.
Oct 5th 2019, 3:22 pm
#4
Account Closed
Joined: Mar 2004
Posts: 2
Re: Home insurance Tennessee .
You can pay monthly.
Oct 5th 2019, 3:22 pm
#5
Deep in the woods of CT
Joined: Feb 2010
Posts: 7,002
Re: Home insurance Tennessee .
Hi all,
looking at house insurance and wanted other other people's experiences with this. Obviously it's much more expensive here than it is in the U.K., which was a shock. At the moment I'm solely on the deeds and the price is a thousand dollars over the combined price, with myself and the wife added, now is that just the case !!!!! Are all insurance companies this high, is it a case of shopping around, do they all go through credit checks, although I have the money outright to pay up front, it's so frustrating......kind regards.
looking at house insurance and wanted other other people's experiences with this. Obviously it's much more expensive here than it is in the U.K., which was a shock. At the moment I'm solely on the deeds and the price is a thousand dollars over the combined price, with myself and the wife added, now is that just the case !!!!! Are all insurance companies this high, is it a case of shopping around, do they all go through credit checks, although I have the money outright to pay up front, it's so frustrating......kind regards.
Oct 5th 2019, 3:31 pm
#6
Forum Regular
Thread Starter
Joined: Mar 2017
Location: West Midlands UK Greene County Tennessee
Posts: 155
Re: Home insurance Tennessee .
I know money wise it's cheaper for us both on the policy, but the dwelling is in my name and I wanted dwelling insurance.
Dwelling in both names 1,500 or maybe cheaper if shopped around....in my name only 2,500 , but maybe cheaper if I shopped around...I have the money upfront , but just don't get the logic on the price differences, in this country..
Dwelling in both names 1,500 or maybe cheaper if shopped around....in my name only 2,500 , but maybe cheaper if I shopped around...I have the money upfront , but just don't get the logic on the price differences, in this country..
Oct 5th 2019, 3:39 pm
#7
Account Closed
Joined: Mar 2004
Posts: 2
Re: Home insurance Tennessee .
I think you mean this Insurer, generally Insurance is highly regulated by the State and rates are lodged and agree by the State.
Oct 5th 2019, 6:14 pm
#8
BE Forum Addict
Joined: Jun 2015
Location: Near Lynchburg Tennessee, home of Jack Daniels
Posts: 1,381
Re: Home insurance Tennessee .
Check with Tennessee Farm Bureau. They have offices in most TN towns.
Oct 5th 2019, 7:31 pm
#9
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Thread Starter
Joined: Mar 2017
Location: West Midlands UK Greene County Tennessee
Posts: 155
Oct 5th 2019, 7:38 pm
#10
BE Forum Addict
Joined: Jun 2015
Location: Near Lynchburg Tennessee, home of Jack Daniels
Posts: 1,381
Re: Home insurance Tennessee .
What part of TN do you live in? I live near Lynchburg. Another good recommendation by NutMegger is to try a independent agent. They have Acess to many insurers. Also you might try the one with the EMU (Liberty). You have probably seen a few thousand of their commercials. I always like to just insure for a fixed max dollar amount which most insurance companies don’t want to do. I am with USAA which is very highly rated but only available to military and ex military.
Oct 6th 2019, 12:03 am
#11
Forum Regular
Thread Starter
Joined: Mar 2017
Location: West Midlands UK Greene County Tennessee
Posts: 155
Re: Home insurance Tennessee .
What part of TN do you live in? I live near Lynchburg. Another good recommendation by NutMegger is to try a independent agent. They have Acess to many insurers. Also you might try the one with the EMU (Liberty). You have probably seen a few thousand of their commercials. I always like to just insure for a fixed max dollar amount which most insurance companies don’t want to do. I am with USAA which is very highly rated but only available to military and ex military.
Oct 6th 2019, 3:01 am
#12
Deep in the woods of CT
Joined: Feb 2010
Posts: 7,002
Re: Home insurance Tennessee .
You don’t need to traipse around visiting companies. Search for a website to give you comparative quotes from multiple companies. Or get online quotes from any companies you are interested in. Or as I already suggested, google for a local independent broker and let them do the legwork.
Oct 6th 2019, 3:06 am
#13
Austin. TX.
Joined: Sep 2013
Posts: 5,930
Re: Home insurance Tennessee .
credit history does have a part to play in this but it shouldn't be that much.
I would definitely find a local independant broker online and ask them to get quotes for you from different companies.
I would definitely find a local independant broker online and ask them to get quotes for you from different companies.
Oct 6th 2019, 3:25 am
#14
Account Closed
Joined: Mar 2004
Posts: 2
Re: Home insurance Tennessee .
Why can you not use both your names?
Oct 6th 2019, 10:14 pm
#15
Forum Regular
Joined: Apr 2019
Location: Memphis TN
Posts: 36
Re: Home insurance Tennessee .
I agree with previous posterswho recommend TN Farmers. They always seem to do what they are supposed to do.
As far as the prices.... Welcome to USA
I always choke on car insurance rates here.
As far as the prices.... Welcome to USA
I always choke on car insurance rates here.