Short answer: In Tennessee, you should carry uninsured/underinsured motorist (UM/UIM) coverage, because it pays for your injuries and vehicle damage when the at-fault driver has no insurance or not enough to cover the bill. Tennessee is an at-fault state with a…

Short answer: Yes — your homeowners policy generally covers detached structures like sheds, fences, and pools under a part of the policy called “other structures,” and it usually pays to remove a tree that falls on a covered structure. The two…

Short answer: A Tennessee contractor typically needs general liability, workers’ compensation, commercial auto, and coverage for tools and equipment — plus builders risk on active projects, and often bonds. Just as important, your general liability has to carry the specific…

Short answer: In most cases, car insurance follows the car, not the driver. If you lend your car to a friend and they cause a wreck, your policy is usually the first to pay. But several big exceptions — permission,…

Short answer: Most rate increases in the last couple of years aren’t about you — they’re driven by industry-wide forces: higher repair and rebuilding costs, more expensive vehicles and parts, severe weather, and inflation working through every claim an insurer…

Short answer: Cyber insurance covers the costs a business faces after a data breach, ransomware attack, or online fraud — things a standard business policy usually excludes. And it’s no longer just a big-company concern: small businesses are targeted precisely…

Short answer: A standard homeowners policy leaves several common risks partly or fully uncovered — sewer backups, expensive jewelry and collectibles, home-based business gear, service-line failures, and the gap between your coverage limit and today’s rebuild cost. A handful of…

If you’ve felt the pinch of rising car insurance premiums over the past few years, you’re not alone — and you’re definitely not staying quiet about it. According to a new report from LexisNexis, nearly half of all personal auto…