Homeowners Insurance

Protecting your home, your belongings, and everything you’ve built.

Your home is likely your largest investment — and it deserves coverage that goes beyond a basic policy. From fire and storm damage to theft and liability claims, homeowners insurance plays a critical role in protecting your property and financial stability. In Tennessee, where severe weather, wind, and water-related losses are real risks, having the right coverage in place matters.

At Cothren Insurance Agency in Lawrenceburg, TN, we help homeowners secure insurance that protects not only the structure of their home, but also their personal property, liability exposure, and peace of mind.

Homeowners Insurance Coverage Options

Dwelling Coverage
Protects the structure of your home, including the roof, walls, foundation, and attached structures, against covered perils such as fire, wind, hail, and lightning.

Other Structures Coverage
Covers detached buildings on your property like garages, sheds, barns, and fences.

Personal Property Coverage
Protects your belongings — furniture, clothing, electronics, appliances, and more — if they are damaged or stolen.

Loss of Use / Additional Living Expenses
Helps pay for temporary housing and related costs if your home becomes uninhabitable due to a covered loss.

Personal Liability Coverage
Provides financial protection if someone is injured on your property or if you’re held legally responsible for damage to others.

Medical Payments Coverage
Helps cover minor medical expenses for guests injured on your property, regardless of fault.

Optional & Enhanced Home Coverage

  • Replacement Cost vs. Actual Cash Value options

  • Scheduled Personal Property for jewelry, firearms, collectibles, or fine art

  • Water Backup Coverage for sump pump or drain-related losses

  • Ordinance or Law Coverage for code upgrade costs after a claim

  • Umbrella Liability for additional protection beyond standard limits

These options allow your policy to be tailored to the true value of your home and lifestyle.

What Homeowners Insurance Typically Does Not Cover

  • Flood damage (requires a separate flood insurance policy)

  • Earthquakes and earth movement

  • Normal wear and tear or maintenance issues

  • Certain water damage events without endorsements

Understanding these exclusions helps avoid costly gaps in coverage.

Why Homeowners Insurance Matters

Protects Your Largest Asset – Your home and property represent years of hard work and investment.
Covers Liability Risks – Lawsuits and injury claims can quickly become financially devastating.
Supports Recovery After a Loss – Insurance helps you rebuild and recover faster after unexpected events.
Required by Lenders – Most mortgage lenders require adequate homeowners coverage.

Why Choose Cothren Insurance Agency?

Local Knowledge – We understand Tennessee homes, weather risks, and carrier requirements.
Coverage Built Around You – We don’t just quote policies — we help design protection that fits your home and finances.
Independent Advantage – We compare multiple top-rated carriers to find the right balance of coverage and value.
Claims Advocacy – If something happens, we’re here to guide you through the process, not leave you on your own.