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    Busting Common Homeowners Insurance Myths in Clarksville

    Thinking about selling your home? Get in touch. We'll guide you through every step of the process to ensure a smooth transaction...

    • Jurnee Gillette
    • February 25th, 2025
    • 1 min read

    Get the real scoop on homeowners insurance for Clarksville residents, from coverage limits to what’s excluded.

    Understanding Your Homeowners Insurance

    Homeowners insurance often goes unnoticed until you really need it. Whether it's a tree falling through your roof, a burst pipe flooding your basement, or something worse, you don't want to be caught off guard by misconceptions about your coverage. Let's clear up some common myths so you can better protect your home here in Clarksville.

    Myth #1: Homeowners Insurance Covers Everything

    Many people believe that homeowners insurance covers all types of damage or disaster, but several key exclusions often apply. For instance, standard policies typically don’t cover:

    • Flood damage: You’ll need separate flood insurance, usually through the National Flood Insurance Program (NFIP) or private insurers.
    • Earthquake damage: Available as an add-on or separate policy depending on your insurer.
    • General wear and tear: Insurance covers sudden and accidental damage, not issues from neglect or aging.
    • Sewer backups: Most policies don't include this, but you can add a rider for extra protection.

    It's essential to thoroughly read your policy to understand the specifics of your coverage.

    Myth #2: My Home is Insured for Its Market Value

    In Clarksville, many homeowners assume their insurance should match the market value of their house. In reality, insurance is based on the cost to rebuild, not the resale value. Market value includes land and location, while replacement cost focuses on materials and labor. Construction costs can fluctuate, so review your policy regularly to ensure adequate coverage.

    Myth #3: If Someone Gets Hurt on My Property, It’s Always Covered

    Liability coverage generally protects you if someone gets injured on your property, but there are exceptions. Neglect, like ignoring a rotting deck railing, could still lead to lawsuits beyond policy limits. If you run a business from home and a client gets injured, your standard policy might not cover it.

    Myth #4: My Policy Covers My Valuables Fully

    Clarksville's homeowners policies typically have limits for expensive items like jewelry, artwork, and electronics. Coverage often comes with per-item or category caps. To protect high-value items, you can add a scheduled personal property endorsement to insure them for their full value. Regularly review your policy, get professional appraisals, and maintain an updated inventory to ensure adequate protection.

    Myth #5: I Don’t Need Additional Insurance Because I Work from Home

    Many people working remotely in Clarksville assume their standard homeowners insurance covers work-related equipment and activities. However, home insurance usually has limits on business property coverage and may not protect employer-owned items. It also excludes business liability protection and business inventory coverage in many cases.

    Consider the following options for better protection:

    • Home-based business policy: Broader protection for business property and liability.
    • Business property endorsement: Increases coverage limits for work equipment.
    • Commercial liability coverage: Covers lawsuits from business-related injuries occurring at home.

    Check with your insurer to ensure you have the right coverage before an unexpected loss happens.

    Myth #6: Homeowners Insurance Covers Mold and Termite Damage

    Mold and pest damage, often preventable maintenance issues, aren't usually covered by insurance. If mold results from a covered peril—like water damage from a burst pipe—your policy might help with remediation costs. However, mold from long-term humidity or neglected leaks usually isn’t covered.

    Myth #7: If My Neighbor’s Tree Falls on My House, They Pay for It

    This misconception surprises many. In most cases, your insurance covers damage to your property, regardless of where the tree came from. If your neighbor was negligent (e.g., they knew the tree was dead), you might be able to file a claim with their insurance or take legal action.

    Myth #8: Filing a Claim Always Leads to Higher Premiums

    Filing a claim doesn’t automatically mean higher premiums. Insurers consider various factors, including your claims history, the type of claim, and location. A single small claim might not affect your premium significantly, but frequent claims or high payouts could raise rates. Weigh the repair costs against your deductible before filing a claim.

    Final Thoughts

    Homeowners insurance is vital but not a one-size-fits-all solution. Understanding your policy’s coverage can prevent costly surprises. If you’re unsure about your coverage, sit down with your insurance agent to review it and ensure you have the right protection in place.

    Have questions about homeowners insurance and how it affects your real estate decisions in Clarksville? Let's chat.

    Thinking about selling your home?

    Get in touch. We'll guide you through every step of the process to ensure a smooth transaction that meets your goals.

    Let's Talk

    Author Photo
    About the author

    Jurnee Gillette

    (931) 624-9296
    Proud mother of 3 wonderful kids and I have a passion for all things related to real estate. In my 7 years in the industry, I've done it all from processing contracts, doing title work for a local real estate attorney, leading a top producing team of my own, to being one of the top producing agents in the area since my first year as a licensed agent! My love for the Clarksville area has lead me to become the TV Host for a Nationally know TV Show, The American Dream where I get to feature all things real estate, lifestyle and community. Real Estate has been my dream career and I'm proud to lead the Clarksville office as principal broker.

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    2421 U.S 41 Aly Bypass, Suite 200, Clarksville, TN 37043

    2421 U.S 41 Aly Bypass, Suite 200, Clarksville, TN 37043

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