Middle Tennessee has experienced rapid property appreciation, rising rebuild costs, and increased storm exposure. That means homeowners insurance written even three to five years ago may no longer accurately reflect your true replacement cost or liability exposure.

At Triton Insurance Group, we help homeowners throughout Williamson and Rutherford County structure coverage that aligns with today’s market realities — not yesterday’s assumptions.

Why Homeowners Insurance Needs a Review in Growing Tennessee Communities

Across Nolensville, Franklin, Brentwood, Thompson’s Station, Spring Hill, Arrington, and Murfreesboro, we’re seeing:

• New construction and custom builds
• Major home renovations and additions
• Luxury finishes and upgraded materials
• Increased property values
• Expanded outdoor living spaces
• Detached garages, barns, and workshops

These changes directly impact your homeowners insurance replacement cost calculation.

If your dwelling limit is inaccurate, you may face:

• Out-of-pocket rebuilding costs
• Insufficient extended dwelling coverage
• Delays in claim settlement
• Gaps in ordinance and law protection

A proper homeowners insurance review ensures your policy reflects real-world rebuild expenses in Middle Tennessee.

Homeowners Insurance in Nolensville & Franklin: Rapid Growth Means Rising Risk

Communities like Nolensville and Franklin have seen substantial development in recent years. With that growth comes:

• Construction cost volatility
• Higher contractor demand
• Longer rebuild timelines
• Increased labor costs

Many homeowners are surprised to learn their policy insures their home at market value — not replacement cost.

Homeowners insurance should be based on what it costs to rebuild your home today, using current materials and labor rates in Williamson County.

Brentwood & Arrington Homeowners Insurance: High-Value Property Considerations

In Brentwood and Arrington, homes often exceed $1M+ in value. That requires:

Accurate dwelling replacement analysis
Extended replacement cost endorsement
Scheduled jewelry and valuables coverage
Water backup protection
Service line coverage
Higher personal liability limits

Luxury finishes, wine collections, custom cabinetry, high-end appliances, and outdoor kitchens must be evaluated properly under your homeowners insurance policy.

Standard “online quote” policies frequently overlook these exposures.

Thompson’s Station, Spring Hill & Murfreesboro: Expanding Suburbs with Unique Risks

In fast-expanding communities like Thompson’s Station, Spring Hill, and Murfreesboro, homeowners insurance reviews often uncover:

• Detached structures not properly insured
• Inadequate coverage for finished basements
• No sewer backup endorsement
• Missing equipment breakdown protection
• Liability limits that haven’t increased with income growth

As property values climb across Rutherford County and southern Williamson County, insurance coverage must evolve accordingly.

Middle Tennessee Weather & Storm Exposure

Homeowners insurance in Nolensville, Franklin, Brentwood, and surrounding towns must account for:

• Convective storm systems
• Wind damage
• Hail claims
• Occasional tornado activity
• Heavy rainfall and water intrusion risk

Policies should be reviewed for:

• Wind deductibles
• Percentage-based deductibles
• Roof age underwriting guidelines
• Water damage limitations

Many homeowners don’t discover restrictive endorsements until a claim occurs.

What a Strategic Homeowners Insurance Review Includes

At Triton Insurance Group, a comprehensive homeowners insurance review includes:

Rebuild cost recalculation
Policy endorsement analysis
Liability exposure evaluation
Deductible structure review
Multi-policy coordination
Carrier comparison (where appropriate)

Because we represent multiple carriers, we are not limited to one underwriting model. This flexibility allows us to adjust your homeowners insurance placement as market conditions change.

When Should You Review Your Homeowners Insurance?

You should request a review if:

• Your home has increased in value
• You’ve completed renovations
• You’ve added a pool or outdoor living space
• You’ve upgraded your roof
• Your income or net worth has grown
• You haven’t reviewed your policy in 2+ years

In high-growth areas like Nolensville, Franklin, Brentwood, Thompson’s Station, Spring Hill, Arrington, and Murfreesboro, underinsurance is increasingly common.

Local Expertise Matters

Working with a local independent agency provides:

• Knowledge of Middle Tennessee rebuild costs
• Understanding of carrier appetite changes
• Guidance through claims
• Ongoing policy adjustments

Online platforms cannot evaluate construction trends, local contractor pricing, or community-specific exposure the way a local advisor can.

Homeowners Insurance Across Williamson & Rutherford County

If you live in Nolensville, Franklin, Brentwood, Thompson’s Station, Spring Hill, Arrington, or Murfreesboro, your homeowners insurance should reflect:

• Current replacement cost
• Modern construction pricing
• Regional weather patterns
• Liability exposure relative to income

A strategic homeowners insurance review ensures your protection keeps pace with your property and financial growth.

Schedule a Homeowners Insurance Review

If it’s been more than two years since your last policy review, now is the time.

Request a confidential homeowners insurance consultation and ensure your coverage aligns with today’s Middle Tennessee market.

The post Homeowners Insurance in Nolensville, Franklin, Brentwood & Surrounding Communities: Protecting High-Value Homes in Middle Tennessee appeared first on Triton Insurance Agency.

We don’t usually get fluffy snow like up north. Instead, storms here often bring ice first, then heavy, wet snow, followed by temperatures that hover right around freezing. Add hills, untreated back roads, trees and above-ground power lines, and you’ve got the perfect recipe for outages, burst pipes and travel nightmares.

The good news? A little preparation goes a long way.

Here’s a Middle Tennessee–specific winter storm action plan — practical, realistic and not overkill.

What Matters Most During a Middle Tennessee Winter Storm

1. Prepare for Long Power Outages

This is the #1 issue during local winter storms.

Do this before temperatures drop:

• Charge all phones, tablets, battery packs and laptops
• Locate flashlights, headlamps and extra batteries
• Download movies, podcasts and offline maps
• Turn your refrigerator and freezer slightly colder than normal
• Have a cooler ready in case food needs to be moved outside

If you own a generator, run it for 10 minutes and top off fuel now — not after the lights go out.

2. Frozen & Burst Pipes Are a Major Risk

Many Middle Tennessee homes aren’t built like northern homes, which makes plumbing especially vulnerable.

Before freezing temperatures:

• Drip faucets on exterior walls
• Open under-sink cabinets
• Disconnect garden hoses
• Cover outdoor spigots
• Know where your main water shutoff valve is located

Most expensive winter storm damage in Tennessee comes from frozen or burst pipes.

3. Vehicle Strategy (Very Middle TN–Specific)

• Fill gas tanks early
• Park at the bottom of steep driveways
• Park away from trees when possible
• Put an ice scraper in every vehicle
• Keep a small emergency kit inside

Once ice hits, our roads quickly turn into skating rinks. Plan to stay put for 48–72 hours if possible.

4. Grocery Reality Check

In Middle Tennessee, grocery shelves empty fast.

Have at least:

• 3–4 days of easy meals
• Bottled water
• Coffee (trust us on this one )
• Snacks and non-perishables
• Pet food

Assume you may not be able to safely leave home until roads thaw.

5. Have a Heating Backup Plan

Many homes in our area rely on:

• Electric heat pumps (which struggle in extreme cold)
• All-electric systems with no secondary heat source

Prepare with:

• Extra blankets and warm clothing
• Hand warmers
• Sleeping bags
• Fireplace and firewood if you have them

Never use grills, propane heaters, or outdoor heating devices indoors.

6. Tree & Ice Awareness

Heavy ice brings:

• Snapped limbs
• Bent or broken pine trees
• Downed power lines

Protect your property by:

• Avoiding parking under trees
• Bringing in patio furniture
• Securing trash cans
• Clearing walkways early, before ice sets

7. Icy Driveways & Walkways

Have these on hand:

• Ice melt or salt
• Kitty litter for traction
• A metal shovel
• A flat ice scraper

Clear early — because Tennessee snow quickly turns into concrete-like ice.

8. Create a Communication Plan

During storms, cell networks can become overloaded.

• Keep a written list of important phone numbers
• Have a battery-powered radio
• Decide how you’ll check on family, friends and neighbors

This is especially important for elderly neighbors.

9. If You Lose Power

Local, practical tips:

• Keep refrigerator doors closed (food is usually good ~24 hours)
• Use outdoor coolers if temperatures stay below freezing
• Let faucets drip slightly
• Close off unused rooms
• Layer up instead of trying to heat the entire house

10. Set the Right Mindset

This is Middle Tennessee reality:

• Roads may be bad for 2–3 days
• Plows prioritize main roads
• Neighborhood streets are often last to improve

Plan for a cozy “stuck-at-home” weekend rather than fighting the conditions.

Five Things Every Middle Tennessee Resident Should Do Tonight

If you do nothing else:

1. Fill all gas tanks
2. Charge all devices
3. Drip faucets
4. Stock groceries
5. Locate flashlights and batteries

Bonus: Common Middle Tennessee Winter Storm Mistakes

• Waiting too long to drip faucets
• Trying to drive on Day One
• Parking on steep driveways
• Using candles instead of flashlights
• Forgetting pet food

One Final Thought from Triton Insurance Group

Winter storms don’t just test your patience, they test your preparedness and your insurance coverage.

If frozen pipes burst, trees fall, or power outages cause damage, having the right coverage and a local agent who answers the phone makes all the difference.

If you’re not sure how your homeowners policy responds to winter storm damage — or you just want peace of mind before the next freeze — Triton Insurance Group is here to help.

Stay safe, stay warm and don’t hesitate to reach out.

Local Phone: 615-234-0157
Toll Free: 800-961-8573

The post Winter Storm Prep in Middle Tennessee: What Actually Matters When Ice Hits appeared first on Triton Insurance Agency.

Understanding Your Insurance Needs

To begin, it’s essential to grasp what you’re safeguarding. Whether you’re a homeowner, renter, car owner, or business proprietor, each scenario entails distinct risks and necessitates specific coverage. Identifying what requires protection helps streamline the selection of suitable insurance policies.

Demystifying Policy Details

Insurance policies often come with intricate terms and conditions. It’s vital to decipher these details. What does the policy encompass? What are the exclusions? A clear understanding of these aspects ensures you’re adequately prepared when filing a claim.

Comparing Insurance Options

Access to various carriers empowers you to find the optimal fit. Beyond mere cost considerations, it’s about striking a balance between comprehensive coverage and affordability. Comparing policies enables you to secure a plan that aligns with your requirements and financial constraints, delivering tangible value and protection.

Adapting to Life’s Changes

Your insurance needs are subject to change as life unfolds. Whether it involves purchasing a new home, business transitions, or expanding your family, such developments influence your insurance requirements. Regularly reviewing and updating your policies ensures your coverage evolves in tandem with your life circumstances.

The Value of Expert Guidance

While navigating the insurance landscape independently is feasible, seeking professional advice can be invaluable. Industry experts offer tailored insights and recommendations based on your specific situation. They help elucidate the nuances of different policies, guiding you toward the most suitable decision for your needs.

Selecting the right insurance is paramount to securing your future, offering both peace of mind and security. Remember, the ideal policy is one that seamlessly integrates with your lifestyle, furnishing ample protection against unforeseen events. At Triton Insurance Group, we specialize in providing personalized coverage options tailored to your unique lifestyle and needs. Our unwavering commitment to client satisfaction ensures you receive the proper protection. If you’re seeking to explore your insurance options and identify coverage that aligns seamlessly with your needs, we encourage you to reach out to us today.

As dedicated independent insurance agents, we prioritize your needs above all else, providing personalized service and unbiased guidance tailored to your unique circumstances. With a steadfast commitment to customer satisfaction and a focus on delivering comprehensive coverage, we strive to exceed your expectations at every turn. Discover the difference of working with independent agents who are devoted to your protection, not just the carriers they represent. For expert advice and customized insurance solutions, contact us or visit www.tritonagency.com today.

The post 5 Tips To Help You Choose The Right Insurance Coverage appeared first on Triton Insurance Agency.

Checking Tires and Tire Pressure

Your vehicle’s foundation lies in its tires, making them a critical aspect of spring preparation. Beyond just a glance, it’s imperative to thoroughly inspect tread depth, especially in light of the impending spring showers. These showers can dramatically alter road conditions, making adequate tire tread essential for safe driving. Proper inflation is equally crucial, as colder temperatures can cause tire pressure to fluctuate. Ensuring optimal tire pressure not only enhances safety but also improves fuel efficiency and extends tire lifespan.

Testing and Replacing Wiper Blades

Clear visibility is paramount for safe driving, particularly during spring showers. Testing your wiper blades for effectiveness is a small yet crucial step in vehicle maintenance. Streaks, smearing, or skipping across the windshield are clear signs that your wiper blades need replacement. By addressing this issue promptly, you ensure a clear view of the road ahead, even during unexpected downpours.

Assessing Brake Performance

Winter conditions can take a toll on your vehicle, particularly the braking system. Addressing any issues with brake performance is a proactive measure to ensure safe navigation through the nuanced challenges of spring roads. Beyond simply checking brake fluid levels, it’s essential to assess overall brake performance, including responsiveness and control. A well-maintained braking system provides peace of mind and contributes significantly to road safety.

Dealing with Spring Showers

Spring brings rejuvenating rain showers, which can significantly impact road safety. Adjusting your driving speed to accommodate wet conditions is a crucial safety practice. Additionally, ensuring that your brake lights are fully functional enhances visibility for other drivers during spring showers, contributing to a safer driving environment for all road users.

Avoiding Potholes and Road Repairs

Potholes, remnants of winter’s harshness, are a common sight on spring roads. Safely navigating these obstacles requires attentive driving and strategic maneuvers to minimize the risk of vehicle damage. Spotting and avoiding potholes involve not only vigilance but also employing driving techniques that mitigate potential harm to your vehicle. Moreover, staying informed about ongoing road repairs is essential for effective route planning. Utilizing navigation apps for real-time updates and planning alternate routes helps minimize unexpected delays and ensures a smoother journey.

Wildlife Awareness on the Roads

As spring breathes life into nature, increased wildlife activity becomes a potential road hazard. Recognizing animal behavior patterns and identifying high-risk areas for wildlife crossings are essential precautions for drivers. Practicing caution, especially during dawn and dusk when wildlife is most active, involves implementing safe driving practices and remaining vigilant for potential hazards. Additionally, understanding how to react if encountering wildlife on the road, such as hitting animals at an angle to reduce the risk of windshield penetration, is vital for minimizing accidents and ensuring safety for both drivers and animals.

Pedestrian Safety

With warmer weather enticing more people outdoors, pedestrian safety becomes paramount for drivers. Slowing down and exercising additional caution near pedestrian areas, playgrounds, and school zones is essential. Adhering to traffic signals and yielding to pedestrians, particularly when pedestrian-activated traffic lights are flashing, helps create a safer environment for everyone. Moreover, being mindful of pedestrians distracted by mobile devices underscores the importance of remaining attentive and vigilant while driving.

Spring Cleaning for Your Car

Spring cleaning isn’t just for homes—it’s equally important for your vehicle. Clearing out winter debris and clutter from the interior ensures a more organized and distraction-free driving experience. Beyond the interior, preserving the exterior of your vehicle is essential for both aesthetics and protection. A thorough car wash and wax session not only restore shine but also safeguard the paint and finish from the residue of winter roads. Empowering drivers with tips for DIY car washing and waxing promotes meticulous vehicle maintenance and enhances overall driving satisfaction.

Embrace the Beauty of Springtime Drives

Springtime invites drivers to explore the beauty of blooming landscapes and rejuvenated surroundings. Embracing the scenic routes synonymous with spring allows for relaxation and enjoyment amidst nature’s splendor. However, striking a balance between appreciation and safe driving practices is crucial. While soaking in the sights, maintaining focus on the road ensures a harmonious blend of enjoyment and safety for a memorable springtime driving experience.

Beware of Flooding

Spring brings not only rain showers but also the risk of localized flooding, particularly when meltwater combines with spring rain. Driving through flooded areas poses significant dangers, as the pavement beneath may be washed away, leading to potential accidents or vehicle damage. Avoiding flooded portions of roads and big puddles is paramount for safety. Additionally, driving at a speed that allows for effective vehicle handling and refraining from using cruise control on wet or slippery roads helps minimize the risk of hydroplaning and ensures safe navigation through spring conditions.

Preventing Overheating and Monitoring Engine Temperature

As temperatures rise, preventing engine overheating becomes a priority for vehicle maintenance. Regularly checking coolant levels and understanding the importance of adequate coolant levels are fundamental for proper engine cooling. Monitoring the engine temperature gauge and taking precautions, such as avoiding prolonged idling and ensuring proper airflow to the engine, help prevent overheating-related issues. By staying vigilant and proactive, drivers can safeguard their vehicles’ engines and ensure optimal performance during the warmer spring months.

Spring Driving Safety Checklist

Summarizing essential tips for safe spring driving involves creating a personalized checklist tailored to your vehicle’s needs. From tire checks to wildlife awareness, having a comprehensive checklist ensures a systematic approach to safety. Encouraging regular vehicle maintenance throughout the year further enhances safety on the roads, providing drivers with peace of mind and confidence in their vehicle’s readiness for springtime journeys.

In conclusion, prioritizing safety and preparedness is key to enjoying the joyous experiences of springtime driving. By staying informed, proactive, and mindful of potential hazards, drivers can embark on journeys filled with beauty, excitement, and above all, safety. Let the season’s splendor accompany you as you navigate the roads with confidence and responsibility, ensuring that every journey is not only delightful but also secure.

When it comes to ensuring peace of mind on the road during springtime adventures, having comprehensive insurance coverage is paramount. Triton Insurance Group offers a range of insurance solutions tailored to your specific needs, providing protection for your vehicle and peace of mind for your journeys. With our commitment to exceptional service and personalized attention, Triton Insurance Group stands out as a trusted partner for drivers seeking reliable coverage. Whether you’re exploring scenic routes or navigating through spring showers, Triton Insurance Group has you covered. Contact a Triton agent to learn more about our insurance options and secure your coverage today.

Auto Insurance • Homeowners Insurance • Boaters Insurance • Motorcycle Insurance • Business Insurance • Flood Insurance • Umbrella Insurance • Workers Comp Insurance

The post Comprehensive Guide to Preparing Your Vehicle for Spring appeared first on Triton Insurance Agency.

If you’ve ever wondered how insurance claims work, you’re not alone. This guide is going to help break down the key elements of the insurance claim process you need to know before you can expect a payout on your policies.

How Do Insurance Claims Work? 

An insurance claim is a request filed by a policyholder to a provider asking for compensation for a covered loss. The insurance company will then review the claim, and they can approve it and issue an eventual payout after investigating it, or they deny the claim. 

There are a variety of different insurance types – auto, homeowners, renters, life, business owner and so many more – and each of them has a different claims process when you’ve suffered a loss. While the process may not be the same across all of your different policies, there are a few common threads of the insurance claims process you can keep in mind as a guide to help you through it.

If you’ve experienced damage or injury you believe may be covered by your policy, the first step is always to review the details of your coverage. The more you understand about your rights, the more successful you may be in filing a successful claim.

What Does It Mean to File an Insurance Claim?

Filing an insurance claim usually involves filling out a proof of loss form, which outlines the damage you’ve incurred and the compensation you seek from your insurer. You’ll usually need to provide dollar amounts, and you can also include pictures or videos of the damage if applicable.

To file a successful insurance claim, it’s crucial to understand your policy. Know your coverages, deductibles, and limits. You don’t want to find out that your loss isn’t covered or your damage amounted to less than your deductible after you file. The insurance company would still record it, and you wouldn’t receive any reimbursement.

Depending on the damage you experience, you’ll either want to file an auto, home, or liability claim. While there are minor differences in the claims process with each one, they all generally follow the same format.

What to Expect in the Insurance Claim Process 

Filing an insurance claim can be a complicated and somewhat confusing process. There’s no one-size-fits-all outcome, and how your insurance claim is handled largely depends on the fine print in your policy.

In most cases, these steps represent the general framing and timeline of filing a claim with your insurance company to help guide you through the process. To help, here are five basic tips for filing a successful insurance claim and what to expect from the process.

1. Communicate With Your Insurance Company 

The moment you’ve suffered a loss, regardless of whether or not you’re sure it’s covered under your policy, you should communicate the details to your insurance company. While you may not ultimately decide to file a claim, it’s extremely important to maintain constant contact with your insurance agent.

Not only can your provider help you understand the finer details of your policy during the insurance process, but there may be strict rules regarding the amount of time you have to file the claim at all. 

For instance, you may have only a day or two to file a renters insurance claim after you’ve experienced a loss. But, you may have over a year to file a liability claim. The time frame you have to file an auto insurance claim varies by state and by company. Regardless, it’s almost always best to contact your insurer as soon as possible after you’ve experienced a loss.

Also, your insurer may want to see a police report when it comes to car accidents and theft claims (whether it’s home theft or auto theft). Be sure to contact the relevant authorities when you need to after you’ve experienced a loss.

2. Fill Out and Organize Your Paperwork  

After you’ve officially filed a claim with your insurance company, you may be required to fill out forms or give a statement regarding the accident or loss. These steps will help your insurance company determine the exact details surrounding the peril and decide to what extent your policy covers the damage or injuries.

In some cases, this stage may involve the process of sharing photographs of the accident or damages. Especially when it comes to property damage, it’s important to document as much as you can so you can present it as evidence to your insurance company. Taking photos and videos of what happened is extremely useful, as well as utilizing a home inventory list.

3. Have Your Damages Appraised 

This is the stage where most insurance companies deploy an adjuster or a third-party contractor to assess the full extent of the damages you’ve reported. Your adjuster may want to speak to relevant witnesses and parties, especially in a liability or auto claim, so they may ask you for that contact information.

If you’ve filed an auto insurance claim, this part of the insurance claim process may involve coordinating with a local mechanic or body shop instead of having someone issued to conduct the repairs. 

In a home claim, the adjuster will inspect the damage themselves. They’ll need to visit your property. They’ll ask you questions, like a timeframe of how the damage happened. The adjuster will also determine how much it’ll cost to repair the damage.

In a liability claim, the adjuster may ask you to make a statement on what happened, and they may ask you for contact details for the injured party. The adjuster needs to put together a picture as best as he can of what happened to accurately determine a payout.

4. Pay Your Deductible First 

The final part of the insurance claim process before payment is issued typically involves paying your deductible. Your insurance company won’t approve your claim if your damage amount is lower than your deductible.

In the event of an auto accident claim, if your damages are designated a total loss, the cost of your deductible is typically deducted from the amount of money issued as a payout. If your claim is part of a liability case, your policy deductible may not apply to the issue of payment. 

For a property damage claim, the deductible may vary based on the type of damage you’ve incurred. Wind-related damages sometimes require filing a different deductible than for other covered damages.

Your standard home deductible is usually a fixed amount, such as $2,500 or $5,000. You could pay this for fire damage or theft, for example. But, 19 states (mostly coastal ones) have homeowners also carry a separate hurricane deductible in case of damages from hurricanes. Your hurricane deductible is usually based on a percentage of your dwelling coverage, typically between 1-10%.

For instance, if you have $300,000 worth of dwelling coverage, and your hurricane deductible is 5% of your dwelling coverage, it would come out to $15,000. So, if you suffered damage from a hurricane, it would need to exceed this amount before you could file a claim.

5. What about the repairs?

For a property damage claim, you’ll receive payment from your insurer once you agree on a settlement amount. If you have a mortgage, the payment will likely be made out to both you and your lender, and the money will be released incrementally during the repairs process so funds are available when needed. You probably won’t just receive a lump sum check.

You can get estimates and choose contractors yourself, even though the insurance company may recommend some. The contractor will bill your insurer for payment.

If you filed a claim for personal property loss, your provider will reimburse you for the actual cash value or replacement cost of the stolen items so you can replace them.

How Do Insurance Companies Pay Out Claims?

Your insurance company will issue reimbursement based on the findings of the adjuster. In property damage or auto claims, this payment will likely go to you. If you have a mortgage or car loan, it may be made out to your lender in case they want to manage or organize the repair process.

In a liability claim, your insurance company will compensate the relevant parties instead of funneling the money through you.

Ultimately, your insurance policy is designed to work for you and protect you from unexpected damages or loss – especially when you need it the most. Your Triton Insurance Group agent will always help you assess the damages in the homeowners insurance claims process and determine the appropriate next steps.

Triton Insurance Group has been providing auto insurance, homeowners insurance, motorcycle insurance, flood insurance, business insurance, and umbrella policies since 1993. With multiple insurance agency locations in Florida and Tennessee, Triton works with hundreds of carriers and compares rates and coverages to provide you with the best policy at the lowest price. More coverage. More savings. That’s the Triton Insurance Group difference. 

The post What You Need to Know About The Insurance Claim Process appeared first on Triton Insurance Agency.

Driving around uninsured is both illegal and very expensive. Insurance Institute reports that the average loss per claim on cars is around $4,900. There are many options when it comes to pick from when it comes to Auto Insurance, which is only further reason you should never go without. Within auto insurance you are covered by liability coverage, collision coverage, and comprehensive coverage. Collision coverage protects the cost to repair or replace your car if it is totaled or damaged in an accident. Liability coverage will cover the cost of any injuries or damage caused by an accident that you were responsible for. Lastly, comprehensive coverage covers your losses in situations such as theft, flood, fire, or vandalism.

2. Homeowners/Renters Insurance

Homeowners insurance protects more than just your house! From losses of personal items during a hurricane to personal items being stolen- homeowners insurance has you covered! The damages your house experiences during any situation, whether it is caused by a natural disaster or human error such as theft, homeowners insurance has you secured. Homeowners insurance also includes protection and coverage caused by Damages to the home and even unattached buildings like your shed and garage. Liability protection is also included in case of an unexpected injury on the property. The cost of medical bills in the situation of an unexpected accident are also covered.

3. Umbrella Policy

Many people don’t understand the importance behind the Umbrella Policy. The umbrella policy is a type of insurance that creates an extra layer of protection for both you and your assets when you need coverage that exceeds the limits of your homeowners or auto insurance. For instance, if you’re at fault for a multiple-vehicle accident, medical bills and property damages could quickly add up to more than your auto insurance will cover. If you’re sued for the difference, your savings, your home and even your future wages are placed at risk.

4. Health Insurance

Just like securing a safe place to live and clean water to drink, health insurance is an essential key factor in life. If you’re uninsured, you’re putting yourself at risk of being vulnerable to a potential financial disaster. Don’t put yourself at risk to be in that situation. One unexpected severe medical emergency can create up to hundreds of thousands of dollars in expenses.

5. Long-Term Disability Insurance

Slightly over one in four of today’s 20-year-olds will reach a stage of disability before reaching the age of 67, according to the Social Security Administration. Long-term disability is at times not seen as crucial but in all actuality it is. Long-term disability insurance protects you from loss of income if you experience any unexpected and tragic situation which may leave you unable to work for a long period of time. A permanent disability and or illness has the risk of sidelining you and your ability to work. Don’t take any chances.

6. Term Life Insurance

Too many people take life insurance too lightly. Picture this: If you or your spouse were to pass away unexpectedly, how would the remaining spouse proceed with expenses without your income? In times of devastation and grief, your spouse last worry should be about surviving financially in the instance of your absence. According to The Insurance Information Institute, a horrifying statistic of only 70% of Americans carry life insurance. By purchasing a term life insurance policy for approximately 10-12 times your yearly salary, your family has the ability to be worry free when it comes to financial obligations such as house payments and college tuition.

With the tag line “More Options. More Savings”​,​ Triton promotes the ability to offer clients hundreds of quotes from leading carriers. The agency offers home, auto, umbrella, business and worker’s compensation products. Since 1993 Triton Agency has forged a path leading the way through Florida’s very complex insurance environment. Call us today for more information!

The post Insurance Types You Can’t Live Without appeared first on Triton Insurance Agency.

What does homeowners insurance cover?

• Property Damage
• Natural Disasters
• Standard Home Liability
• Extra Money for Living
• Personal Property Coverage (personal belongings)

Cost Factors

• Value of your home
• Crime rate in the area surrounding your home
• Amount of prior claims
• The state in which you live

5 Things You Must Know Regarding Homeowners Insurance

• Decide what kind of coverage is best for YOU
• Understand Actual Cost Value and Replacement Cost Value
• Determine if you want more liability and medical coverage
• Take advantage of the discounting options
• Flood insurance is not included and is usually purchased separately

Get a a FREE quote today!

Check out the rest of our blog here.

With the tag line “More Options. More Savings”​,​ Triton promotes the ability to offer clients hundreds of quotes from leading carriers. The agency offers home, auto, umbrella, business and worker’s compensations products. Since 1993 Triton Agency has forged a path leading the way through Florida’s very complex insurance environment. Call us today for more information!

The post Must-knows on Homeowners Insurance appeared first on Triton Insurance Agency.

With the tag line “More Options. More Savings”​,​ Triton promotes the ability to offer clients hundreds of quotes from leading carriers. The agency offers home, auto, umbrella, business and worker’s compensations products. Since 1993 Triton Agency has forged a path leading the way through Florida’s very complex insurance environment. Call us today for more information!

The post Quick Tip Tuesday: Inspect Your Gutters and Downspouts appeared first on Triton Insurance Agency.

With the tag line “More Options. More Savings”​,​ Triton promotes the ability to offer clients hundreds of quotes from leading carriers. The agency offers home, auto, umbrella, business and worker’s compensations products. Since 1993 Triton Agency has forged a path leading the way through Florida’s very complex insurance environment. Call us today for more information!

The post Quick Tip Tuesday: appeared first on Triton Insurance Agency.

Dog Bite Liability

First, on the list: dog bite liability.  A dog bite was commonly covered on all policies, now dog bite exclusions are the norm.  A Dog bite is STRICTLY interpreted by the law, meaning that almost always the dog owner will be held liable.  Dog bite claims on average run approximately 24k per incident.  What you can do is speak to your agent about adding back coverage.  If you cannot add coverage back you may be able to purchase a separate policy for a dog bite.

Trampolines

Second exclusion relates to Trampolines, Diving Boards and Slides.  Trampolines, diving boards, and slides fall under the “Attractive Nuisance Doctrine” meaning they are items which can lure children to trespass on your property.  An important thing to note about this doctrine is that you are responsible for a child’s injuries regardless of whether they were invited on your property or not.  Insurance carriers exclude liability and in many instances will not insure a home that has any of these items.  There are no rider and coverage cannot be purchased separately for any of these items.

Water Damage

Finally, water damage exclusions and limitations are becoming more popular on most policy forms.  With the increased incidents and rising cost of water damage claims, most carriers have included water damage exclusions.  Although this exclusion is more common on homes over 30 years of age we are now seeing carriers add it to newer homes.  Water damage is defined as any sudden or accidental discharge of water from plumbing or appliances.  Also included is water which penetrates through the roof or exterior walls.  Fortunately, this coverage can be purchased back in part or in whole.  Make sure you speak to your agent about your water limitations.

Many exclusions and limitations exist in your Home Insurance, having a professional agent to explain coverage is your best safeguard against exposure.

The post 3 Home Policy Exclusions You Likely Never Knew About appeared first on Triton Insurance Agency.