Nashville Homeowners Insurance
At Eagle Insurance & Financial, we understand home is where the heart is.
Eagle Insurance & Financial is a Nashville insurance company. Our experienced agents will help you determine the right level of homeowners insurance to protect your home and most cherished belongings. Owen O’Malley and his team of compassionate agents have helped Tennessee homeowners find the right insurance coverage for over 30 years. We look forward to helping you.
We understand that no two homes are the same, and we make sure that our home insurance quotes reflect your unique needs. Our policies protect your primary residence, detached structures, belongings and also cover living expenses, family liability, and medical costs. It’s our goal to help you rebuild structurally, financially, and emotionally in the event of a loss.
We have the solution for your home insurance needs!
Our rates are affordable and we are proud of our responsive and caring claims services. We also offer Nashville Renters Insurance and Condominium insurance as well and additional coverage such as earthquake and flooding. Based in Nashville, we’ve also been known to provide “floaters” on your home insurance to cover one-of-a-kind guitars, precious instruments, state-of-the-art studio equipment, jewelry, art, and other unique valuables! Read our Ultimate Guide to Nashville Home Insurance to learn more.
What is homeowners insurance and why is it important?
Homeowners insurance (also known as home insurance or property insurance) protects you and your home in the event of loss due to disaster or burglary. Your policy also protects you from potential liability claims. Unlike car insurance, homeowners insurance is not required; however, if your home is financed, your lender will probably require you to have coverage — and with good reason!
Living in Nashville, I’m worried about flooding. Is my home protected?
If you have purchased flood coverage provided through the National Flood Insurance Program, yes. Contact your agent to file a claim. If you live in a flood-prone area, you should strongly consider adding flood insurance to your policy.
How much compensation will I receive on my claim?
The amount of compensation you receive on a claim depends on the level of coverage you have purchased. Licensed insurance agents can help you determine the appropriate level of coverage for you and your family. An agent can also help you determine your level of risk and an appropriate policy deductible for your needs. Once you have a policy, we recommend that you regularly assess the value of your home and your possessions to make sure that your coverage is adequate.
What is a home inventory and why are they important?
A home inventory is a detailed record of your possessions. A meticulous inventory of your possessions helps you receive the best possible compensation from your insurance company. Be sure to discuss the difference between replacement and actual cash value with your agent! Your inventory should all major items like jewelry, art, antiques, furniture, appliances, and clothing. Whenever possible, include make, model, date of purchase, and price. Be sure to photograph each room of your house thoroughly. Store your inventory and photos in a safe deposit box or share copies with family members.
Is homeowners insurance included in my mortgage payments?
In most cases, homeowners insurance is not included in your mortgage payment. However, many new homeowners opt to create an escrow account so that insurance premiums are bundled into your monthly mortgage payments.