Homeowners Insurance
Your home is one of the most significant investments you’ll make. Without home insurance, you could face major financial losses from fires, theft or natural disasters.
At Sunstar Insurance Tennessee, we offer customized home insurance solutions. With a strong reputation for quality service, we offer expert guidance with competitive rates to help you get appropriate coverage.
What Home Insurance Covers 
Home insurance typically covers several key areas:
- Dwelling coverage—This can cover your home’s physical structure against damage from hazards like fire, storms and vandalism.
- Personal property coverage—This can cover your belongings inside the home, such as furniture, electronics and clothing.
- Liability coverage—This may provide coverage if someone is injured on your property or if you accidentally damage someone else’s property.
- Additional living expenses—This can help pay for temporary living costs if a covered loss makes your home uninhabitable.
How Much Does This Cost?
The cost of home insurance varies based on several factors, including the location, size and age of your home, as well as the coverage limits and deductibles you choose. However, rates can differ significantly depending on your specific circumstances.
How Is This Calculated?
Home insurance premiums are calculated based on the risk of insuring your home. Factors such as the home’s value, construction materials, location and your claims history play a role in determining the cost. Insurers may also consider the likelihood of natural disasters, crime rates and rebuilding costs in your area.
Where to Get Homeowners Insurance
Residents of Jackson, McKenzie, Humboldt, Martin, Memphis, Columbia, Franklin, Murfreesboro, and across Tennessee should contact us today to learn more.