Homeowners Insurance in Hendersonville, TN—Protect Your Home and Peace of Mind

Protect Your Biggest Investment in Tennessee

Your home is likely your most valuable asset—and protecting it is essential. Homeowners insurance helps safeguard your house, belongings, and financial security when the unexpected happens. In Hendersonville and across Middle Tennessee, homeowners face real risks from severe storms, tornadoes, hail, and occasional winter weather. Whether you’re buying a new home or reviewing an existing policy, The Bill Yon Agency helps you secure coverage you can trust.



Mortgage lenders typically require homeowners insurance, but beyond that requirement, the right policy ensures you can rebuild and recover without financial strain.

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What a Homeowners Policy Typically Covers

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Dwelling Coverage

Pays to repair or rebuild your home’s structure after a covered loss, based on replacement cost—not market value.

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Other Structures

Covers detached buildings like garages, sheds, or fences.

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Personal Property

Protects your belongings, including furniture, clothing, and electronics, whether they’re damaged at home or stolen.

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Personal Liability

Covers legal and medical expenses if someone is injured on your property or if you accidentally cause damage to others.

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Additional Living Expenses

Helps pay for temporary housing and extra costs if your home is unlivable due to a covered claim.

Important Note:

Standard homeowners policies do not cover floods or earthquakes. Flood insurance is available as a separate policy and is especially important for homes near Old Hickory Lake or in local flood-prone areas.

Getting the Right Coverage Without Overpaying

Home insurance costs in Tennessee tend to be higher than the national average due to storm exposure. That makes it even more important to have coverage that’s accurate—and competitively priced. As an independent agency, we compare multiple top-rated carriers to find the best value and apply every available discount, including:

  • Bundling home and auto insurance

  • Security system and safety feature credits

  • Claim-free and loyalty discounts
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What Homeowners Ask Most

  • Is homeowners insurance required in Tennessee?

    It’s not required by law, but lenders require it—and it’s critical for protecting your finances.

  • How much coverage do I need?

    Your dwelling coverage should reflect the full cost to rebuild your home. We calculate this for you.

  • What about jewelry or high-value items?

    These often need special endorsements. We can arrange additional coverage.

  • Do you insure high-value or luxury homes?

    Yes. We work with carriers like Erie and Chubb to insure higher-value homes and provide enhanced coverage options.

Already Have Home Insurance? Let’s Review It

Many homeowners are surprised to learn their current policy has gaps—or that they’re paying more than they should. A free policy review can uncover savings or coverage improvements.

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Local Help When It Matters Most

We work with respected insurance carriers known for strong claims handling and customer satisfaction. When storms or major losses affect Sumner County and surrounding areas, our team helps clients navigate claims quickly and clearly—so families can rebuild with confidence instead of stress.

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Get Homeowners Insurance You Can Rely On

From first-time buyers to long-time homeowners, The Bill Yon Agency helps protect homes across Hendersonville, Nashville, and Sumner County. Get clear answers, personalized coverage, and local support you can count on.