Home · TN, MS & AR
Coverage that respects what's inside your home more than what it costs. From the foundation to the photos on the wall.
A standard homeowners policy is built on these coverages. Together, they answer the question: "What if?"
The structure itself: walls, roof, foundation, attached garages. Fire, wind, hail, vandalism, falling objects. The bones of the policy.
StandardWhat's inside: furniture, electronics, clothing, jewelry. Covered against the same perils, even when items are away from the home.
StandardSomeone slips on your front step. The dog bites a guest. This pays legal and medical costs if you're held responsible.
StandardIf your home becomes uninhabitable after a covered event, this pays for hotels, meals, and temporary rent until you're back.
StandardFor high-value items: wedding rings, art, watches, instruments. A separate rider so the full value is covered without limits.
OptionalStandard home policies don't cover flood or earthquake. Across the Mid-South's river towns and the Gulf Coast, separate flood coverage matters. We'll tell you when.
Add-onVerifiable facts that shape every coverage decision. What they mean for your specific home is what we're here to talk through.
Homes in FEMA-designated high-risk flood zones have at least a 1-in-4 chance of flooding during a 30-year mortgage. Source: FEMA.
Even in low- and moderate-risk areas, FEMA estimates flooding is five times more likely than fire over the next 30 years. Source: FEMA.
Standard homeowners policies do not cover flood or earthquake, anywhere in the U.S. Coverage requires a separate policy. Industry standard.
From the Gulf Coast inland, wind and storm remnants reach well into Mississippi, Tennessee, and Arkansas. Deductibles and wind coverage vary. Have that conversation before storm season, not after. Source: Mississippi Department of Insurance.
Tell us about the home. We'll handle the rest and check the auto bundle while we're at it.