TDCI’s Focus on Homeowners’ Insurance page explains basic homeowners and renters protections and flags common gaps. Two lines that matter for Tennessee households: flood damage is not included in a homeowners policy, and a written inventory with photos or video makes claims easier.
This article restates those public TDCI tips. It is informational only — no coverage, NFIP eligibility, or claim-payment promise.
Seasons change. So should your coverage. For a free personal policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
| TDCI tip | Opened wording (summary field) |
|---|---|
| Flood exclusion | Coverage for damage caused by flooding is NOT included in your homeowner’s policy. |
| NFIP pointer | Inquire about purchasing flood insurance through the federal government’s National Flood Insurance Program (NFIP). |
| Inventory | Make an inventory of all personal property with a photograph or video of each room; save major-item receipts off-site. |
| Renters vs landlord | Never assume the landlord’s insurance covers you; it only protects the building. |
| Replacement rule of thumb | Insure for at least 80 percent of replacement value; land usually not included. |
Does a standard homeowners policy include flood damage, per TDCI?
TDCI’s Focus on Homeowners’ Insurance page states coverage for damage caused by flooding is NOT included in your homeowner’s policy and points readers to inquire about flood insurance through the National Flood Insurance Program (NFIP).
What personal-property inventory tip does TDCI give?
TDCI says it’s a good idea to make an inventory of all of your personal property, along with a photograph or video of each room, and to save receipts for major items in a safe place away from the house or apartment.
What does TDCI say about renters versus landlords?
TDCI says renters insurance only protects your personal property, and never assume that the landlord’s insurance covers you or your belongings because landlord’s insurance only protects the building.
What does TDCI say about jewelry, antiques, and artwork?
Under Personal Property, TDCI says certain personal property items like jewelry, antiques and artwork may need special added coverage.
What liability point does TDCI make for homeowners and renters?
TDCI states everyone — homeowners and renters — needs protection against liability for accidents that injure other people or damage their property.
What 80-percent rule of thumb does TDCI publish for replacement value?
TDCI says a good rule of thumb is to insure your home for at least 80 percent of its replacement value, recognizing that in most instances the value of the land doesn’t need to be included.
Does this article sell NFIP flood insurance or promise a claim result?
No. It restates TDCI’s public Focus on Homeowners’ Insurance tips. It does not promise coverage, NFIP eligibility, or claim outcomes.
Where can a Tennessee reader get a personal policy review?
Call All Seasons Insurance Group at 865-263-1400 or use asigtn.com/get-a-quote. For flood questions, also review NFIP materials and TDCI consumer resources.
Seasons change. So should your coverage.
