Lebanon, TN Home Insurance, Explained by a Wilson County Neighbor

Yes. Lebanon and Mt. Juliet are both in Wilson County, and my office at 1982 Providence Pkwy Ste 257, is an easy drive down I-40. I work with homeowners all over the county. Most things can be handled by phone or email, and you’re welcome to meet in person Monday through Friday, 8am to 5pm.

Ask how the policy settles claims, replacement cost or actual cash value, and whether ordinance or law coverage is available to help with the extra cost of meeting current building codes after a covered loss. The age of your roof, wiring and plumbing may also matter, so have those details ready when we talk.

Windstorm and hail are commonly covered perils on homeowners policies, but every policy has its own terms, limits and deductibles. Since spring storms are part of life in Wilson County, it’s worth knowing your deductible and how your policy handles additional living expenses before storm season, not after it. I’ll walk you through yours.

Generally, no. Flood is typically excluded from standard homeowners policies and is covered by a separate flood policy. FEMA notes that a new National Flood Insurance Program policy usually takes 30 days to begin, with limited exceptions, so don’t wait for the forecast. I can help you check your flood zone and options.

Loss of use, sometimes called additional living expenses, can help pay for things like a hotel, a short-term rental or extra meal costs if a covered loss makes your home unlivable while it’s being repaired. It has its own limit, and terms vary by policy, so it’s worth checking yours before you need it.

Standard policies often have lower limits for certain items, such as jewelry, firearms, collectibles or silverware. Scheduling an item lists it separately on your policy with its own coverage amount, usually based on an appraisal or receipt. If you own pieces of significant value, ask me what’s available and how it works.

It depends on the situation. Some homeowners policies extend limited coverage to a student’s belongings in campus housing, but off-campus rentals are often treated differently. A renters policy can help protect belongings and provide liability coverage. Tell me where your student lives, and we’ll review the options together.

A multi-policy discount may be available when you bundle home and auto, depending on your policies and eligibility. Beyond any discount, having both with one agent means one person who knows your whole picture. I’ll explain what applies to your household before you make any changes, with no obligation.

There’s no single right number. Your liability limit should reflect what you’d want protected if someone were hurt on your property or you damaged someone else’s property. Many homeowners also look at an umbrella policy for added liability protection above their home and auto limits. We’ll talk through your situation.

Have your address, the year the home was built, the approximate roof age, the square footage and any recent updates to the roof, wiring, plumbing or heating. Your current declarations page helps too. Then call 615-562-5100 or use the form on this page, and my office will follow up.