Your home is one of the most important investments you will make. Whether you own a home in Clarksville, Tennessee, Fort Campbell, Kentucky, or the surrounding communities, having the right homeowners insurance can help protect your property, belongings, and financial future.
At Augustine Insurance, with locations at 111 N Riverside Dr and 2857 Campbell Blvd, we help homeowners throughout the Clarksville and Fort Campbell area in Tennessee and Kentucky understand their homeowners insurance and choose coverage that fits their needs.
What Does Homeowners Insurance Cover?
A typical homeowners insurance policy can provide several important types of protection. While coverage varies by policy, homeowners insurance may include:
Dwelling Coverage
Dwelling coverage helps protect the physical structure of your home when it is damaged by a covered cause of loss. This can include portions of the home such as the roof, walls, floors, and attached structures.
It is important to make sure your dwelling coverage limit is appropriate for the cost to rebuild your home—not simply its current market value.
Other Structures
Homeowners insurance may also provide coverage for certain structures that are separate from your home. Depending on your policy, this could include a detached garage, storage building, shed, fence, or other qualifying structure.
Personal Property
Your homeowners policy may protect many of the belongings inside your home, including:
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Furniture
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Clothing
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Electronics
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Appliances
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Household items
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Personal possessions
However, certain valuable items can have special limits under a standard homeowners policy.
Are Jewelry, Artwork, Antiques, and Collectibles Covered?
This is an area where many homeowners are surprised.
Jewelry, artwork, antiques, collectibles, and other valuable possessions may have specific coverage limitations under a standard homeowners policy. If you own items that are particularly valuable, additional coverage or scheduling may be appropriate.
A homeowners insurance review with Augustine Insurance can help identify valuable property that may need special consideration.
Does Homeowners Insurance Cover Liability?
Yes, homeowners insurance typically includes personal liability coverage.
Liability coverage may help protect you if you are legally responsible for certain bodily injury or property damage involving another person. It may also help with certain legal expenses, depending on the circumstances and your policy.
For homeowners in Clarksville and Fort Campbell, having adequate liability limits is an important part of protecting your financial assets.
Does Homeowners Insurance Cover Storm, Wind, and Hail Damage?
Severe weather can cause significant damage to homes in Tennessee and Kentucky. Depending on your policy, wind and hail damage may be covered.
Storms can damage:
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Roofs
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Siding
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Windows
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Gutters
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Fences
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Other parts of your property
However, it is important to understand your policy’s deductibles, exclusions, coverage limits, and conditions before a storm occurs.
Augustine Insurance can help explain how your homeowners policy responds to covered storm damage and what deductible you may be responsible for following a claim.
Does Homeowners Insurance Cover Additional Living Expenses?
Many homeowners policies include loss of use or additional living expense coverage.
If a covered loss makes your home temporarily uninhabitable, this coverage may help with certain additional expenses while your home is being repaired or rebuilt, subject to the policy’s limits and conditions.
This can be an important coverage to understand because a major home loss can involve expenses beyond simply repairing the property.
Does Homeowners Insurance Cover Flood Damage?
Generally, a standard homeowners insurance policy does not cover flood damage.
This is an important distinction because homeowners sometimes assume that all water damage is covered. Water damage from a covered plumbing or appliance loss can be treated differently from water entering your home because of flooding.
If you are concerned about flood exposure in Clarksville, Fort Campbell, Tennessee, or Kentucky, ask an insurance professional about whether separate flood insurance may be appropriate for your property.
What Does Homeowners Insurance Usually NOT Cover?
Homeowners insurance does not cover every possible type of damage.
Depending on the policy, common exclusions can include:
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Flood damage
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Normal wear and tear
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Lack of maintenance
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Certain types of earth movement
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Certain intentional losses
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Other exclusions specifically listed in the policy
Every policy is different, so it is important to review your actual policy rather than assuming something is covered.
Why Should You Review Your Homeowners Insurance?
Your insurance needs can change over time.
You may want to review your homeowners insurance if you:
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Remodel or make improvements to your home
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Build a garage, shed, or other structure
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Purchase expensive furniture or electronics
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Acquire jewelry, artwork, antiques, or collectibles
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Make significant changes to your household
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Have not reviewed your policy in several years
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Want to increase your liability protection
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Are purchasing a new home
A policy review can help determine whether your dwelling coverage, personal property limits, liability protection, deductibles, and other coverage still make sense for your situation.
Homeowners Insurance for Clarksville, Fort Campbell, Tennessee & Kentucky
Whether you are a longtime homeowner, purchasing your first home, relocating to the Fort Campbell area, or moving across the Tennessee-Kentucky border, understanding your homeowners insurance is an important part of protecting what you have worked hard to build.
At Augustine Insurance, we believe you should understand your insurance—not simply purchase a policy and forget about it.
Visit either of our local Augustine Insurance offices:
111 N Riverside Dr
Clarksville, TN
2857 Campbell Blvd
Clarksville, TN
Our team is ready to help homeowners throughout Clarksville, Fort Campbell, Tennessee, and Kentucky review their coverage and understand their homeowners insurance options.
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