Homeowners
Wipe your feet on the competition with this program designed for primary or secondary owner-occupied one or two family dwellings, condominiums and townhouses with values up to $1,000,000.
Call The Southern General Agency of Tennessee, Inc. at 1-888-909-0181
About Our Agency
We are a family-owned managing general agency with offices in Knoxville, TN and Memphis, TN. Our goal each day is to provide the Independent Agents of Tennessee a service-oriented outlet for their specialty insurance needs. Our focus is primarily on commercial property and casualty, personal lines, and commercial auto.
Coverages Available
- Homeowner Special Form HO-3
- Homeowner Modified Coverage Form HO-8
- Homeowner Unit-Owners (Condo) Form HO-6
- Homeowner Contents (Renters) Broad Form HO-4
- Extended replacement cost up to 125%
- Identity Fraud Expense-$15,000 in coverage
- Water Back-up and Sump Discharge or Overflow up to $25,000
Coverage Options
- Replacement Cost Coverage (Dwelling & Personal Property)
- Extended Liability for other owned properties
- In home business supplemental coverage(limited exposures)
- Inland Marine supplemental coverage (cameras, guns, fine arts, furs, jewelry, silver, musical instruments)
Guidelines
(Additional state specific guidelines may apply)
- Insurance to value is required to be 100% of ACV or Replacement Cost, whichever applies
- A complete, signed application is necessary to bind coverage
- Photos required on all accounts
- Inspections required on most accounts
Effective Date: 08/31/2012