TDCI’s Focus on Homeowners’ Insurance page is a plain-language map of what a typical policy is built to do. For homeowners, TDCI says, “insurance protects your home’s physical structure as well as your personal property,” while renters insurance only protects personal property.
Renters get a separate warning: “Never assume that the landlord’s insurance covers you or your belongings. Landlord’s insurance only protects the building.” And everyone — homeowners and renters — “needs protection against liability for accidents that injure other people or damage their property.”
Among the named protections, TDCI spells out Additional Living Expenses: coverage, up to the stated limit, for the necessary costs of keeping your normal standard of living when the house cannot be occupied because of a covered loss.
On limits, TDCI’s rule of thumb is “to insure your home for at least 80 percent of its replacement value,” noting that in most cases the value of the land doesn’t need to be included.
Flood stays outside the homeowners form: “coverage for damage caused by flooding is NOT included in your homeowner’s policy.” TDCI tells anyone in a flood-prone area to ask about flood insurance through the federal National Flood Insurance Program (NFIP).
Before a claim ever happens, TDCI urges documentation — an inventory of personal property with a photo or video of each room, plus receipts for major items stored somewhere safe away from the house.
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 — informational only; no coverage or eligibility promise.
| TDCI Focus topic | Consumer takeaway |
|---|---|
| Dwelling / other structures | Structure plus detached garage, shed, fencing examples |
| Additional Living Expenses | Necessary living costs up to the stated limit after a covered loss |
| 80% rule of thumb | Insure for at least 80% of replacement value (land usually excluded) |
| Flood | Not in the homeowners policy; ask about NFIP flood coverage |
What does TDCI say homeowners insurance protects?
TDCI’s Focus on Homeowners’ Insurance page says homeowners insurance protects the home’s physical structure as well as personal property.
Does a landlord’s policy cover a renter’s belongings?
TDCI warns never to assume the landlord’s insurance covers you or your belongings; landlord’s insurance only protects the building.
What is Additional Living Expenses on TDCI’s list?
TDCI describes Additional Living Expenses as coverage for necessary living expenses, up to the stated limit, when the house cannot be occupied due to a covered loss.
What replacement-value rule of thumb does TDCI publish?
TDCI’s rule of thumb is to insure the home for at least 80 percent of its replacement value, noting land usually need not be included.
Is flood damage included in a standard homeowners policy per TDCI?
TDCI states coverage for damage caused by flooding is NOT included in a homeowner’s policy and points readers to NFIP flood insurance.
What inventory tip does TDCI give before a claim?
TDCI recommends an inventory of personal property with a photograph or video of each room, plus receipts for major items stored away from the home.
Is this article a coverage promise for East Tennessee homes?
No. It restates TDCI’s consumer Focus page. Actual coverage depends on the policy forms you buy.
How can All Seasons help after reading this?
Call 865-263-1400 or visit asigtn.com/get-a-quote/ for a free personal policy review.
