Personal Insurance
For Your Home & Auto
We take pride in providing honest advice and transparent comparisons, ensuring you receive the best coverage tailored to your specific needs.
Home Insurance
Protecting Your Home & Investment
Owning a home in Tennessee is one of life’s biggest investments, and protecting that investment with the right homeowner’s insurance is crucial. At H.B. Cowan & Company, we understand that navigating the insurance process can be overwhelming. That’s why we’re here to make it simple, ensuring you receive the best coverage at the best price.
The Process of Acquiring Homeowner’s Insurance
The process of securing the right policy may seem complex, but we break it down into a few simple steps:
Assess Your Needs – Every home and homeowner is unique. We evaluate factors such as location, property value, and personal assets to determine the level of coverage you need.
Compare Policy Options – We work with top insurance providers to find the best coverage options for your situation. Our goal is to offer comprehensive protection while keeping costs manageable.
Review Coverage Details – Policies include coverage for dwelling protection, personal property, liability, and additional living expenses if you’re temporarily displaced. We ensure you understand each component so there are no surprises when you need to file a claim.
Find Discounts and Savings – Many homeowners qualify for discounts, such as bundling home and auto policies, installing security systems, or having a good claims history. We help you maximize savings while maintaining top-tier coverage.
Finalize and Stay Protected – Once you choose the best policy, we guide you through finalizing the paperwork and maintaining ongoing support for any future needs or claims.
Your home is more than just a structure — it’s a place filled with memories, belongings, and security.
Homeowner’s insurance provides financial protection against unforeseen events such as fire, theft, storm damage, and liability claims. Without the right coverage, you could face significant financial loss in the event of a disaster or accident.
Auto Insurance
Protecting Your Vehicle & Peace of Mind
Owning a vehicle in Tennessee is a significant investment, and having the right auto insurance is essential for protecting yourself, your passengers, and your financial well-being. At H.B. Cowan & Company in Shelbyville, TN, we simplify the process of finding the best auto insurance policy, ensuring you receive the most reliable coverage at a competitive price.
The Process of Acquiring Automobile Insurance
Getting the right auto insurance policy doesn't have to be complicated. We break it down into a few simple steps:
Evaluate Your Needs – Factors such as the type of vehicle, driving history, usage, and personal financial situation determine the level of coverage you need.
Compare Policy Options – We work with top insurance providers to find the best policies that offer comprehensive protection while keeping premiums affordable.
Understand Coverage Details – Policies typically include liability, collision, comprehensive, uninsured/underinsured motorist protection, and medical payments coverage. We help you understand these components to ensure you’re fully protected.
Identify Discounts and Savings – Many drivers qualify for discounts such as bundling home and auto policies, maintaining a clean driving record, or installing safety features in their vehicles. We help you maximize your savings while maintaining quality coverage.
Finalize and Stay Protected – Once you choose the best policy, we assist in finalizing the paperwork and remain available for any future policy adjustments or claims support.
Accidents can happen when you least expect them.
Auto insurance provides financial protection against damages, theft, liability claims, and medical expenses resulting from an accident. Without proper coverage, you could be responsible for significant out-of-pocket costs, which could impact your financial stability.
Motorcycle Insurance
Protecting Your Ride
Protect your ride and enjoy the freedom of the open road with comprehensive motorcycle insurance in Tennessee. Whether you're cruising through the Smoky Mountains or navigating city streets, having the right coverage is essential. Tennessee law requires motorcycle owners to carry liability insurance, but additional coverage options are available to safeguard against theft, accidents, and injuries. Choose a policy that fits your lifestyle and provides peace of mind while you embrace the thrill of motorcycling. Don’t leave your journey to chance—secure your motorcycle insurance today and ride confidently knowing you are protected.
Steps to Getting the Right Coverage for Your Motorcycle
Assess Your Needs: Begin by evaluating how you use your motorcycle. Consider factors such as frequency of use, the type of motorcycle you own, and your riding experience. Determine whether you need full coverage or if liability insurance suffices based on your situation.
Understand State Requirements: Familiarize yourself with the motorcycle insurance requirements in your state. These typically include minimum liability coverage amounts. Ensure your policy meets or exceeds these legal requirements to avoid penalties.
Compare Coverage Options: Look into different types of coverage such as liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. Make sure to compare policies side-by-side to identify the right mix of coverage tailored to your needs.
Evaluate Discounts: Inquire about available discounts that could lower your premiums. Many insurers offer reductions for safe riding courses, bundling policies, or having a clean driving record. Ensure that you take full advantage of any applicable discounts.
Stay Informed and Update Coverage as Needed: Periodically review your insurance needs and coverage, especially after significant life changes such as relocating, acquiring a new motorcycle, or altering your riding habits. Adjust your policy to reflect these changes and maintain adequate protection.
Maintain Safe Riding Practices: Remember that your insurance coverage is only part of the equation. Practicing safe riding habits can significantly impact your premium and ensure your safety on the road. Consider enrolling in advanced riding courses to further enhance your skills.
Our commitment to transparency and customer service ensures that you receive the best protection without overpaying.
Personal Articles Insurance
Protecting Your Valuables
Protect your most treasured possessions with specialized insurance designed for valuable items such as fine art, jewelry, antiques, and collectibles. At H.B. Cowan, we understand that these items hold both significant monetary and sentimental value. Our comprehensive coverage ensures that in the event of theft, damage, or loss, you receive the financial support necessary to restore or replace your valuables. With tailored policies that account for the unique characteristics and market fluctuations of high-value items, you can have peace of mind knowing your investment is secure. Safeguard your legacy—insure your valuables today with H.B. Cowan.
Steps to Get Insurance for Valuable Items in Your Home or Office
Assess Your Inventory: Begin by cataloging the items you wish to insure. Create a detailed inventory that includes descriptions, purchase dates, original values, and current appraisals. Include photographs of each item for documentation.
Determine Coverage Needs: Decide whether you need individual item coverage, a rider on your homeowner's policy, or a separate collectibles policy. Consider the replacement value of each item and potential coverage limits.
Get Professional Appraisals: For items of significant value, such as jewelry or fine art, hire a certified appraiser. Ensure the appraiser is recognized and experienced in the specific type of item. This will provide an accurate valuation for insurance purposes.
Review Policy Terms: Carefully read the terms and conditions of each policy. Pay close attention to coverage limits, exclusions, deductibles, and any requirements for proving ownership or condition.
Maintain Documentation: Keep your inventory, appraisals, and insurance paperwork organized and readily accessible. Consider storing digital copies in a secure location.
Review Annually: Re-evaluate your insurance policy annually or whenever you acquire new valuable items. Update your inventory and policy to reflect changes in value or collections.
By following these steps, you can successfully secure insurance coverage for the valuable items in your home or office, providing peace of mind and protection against unforeseen events.
Ensuring comprehensive coverage for all your valuable possessions is a vital and necessary step in safeguarding your future against various unforeseen challenges that may arise unexpectedly.
Umbrella Insurance
Umbrella insurance serves as an essential layer of financial protection that safeguards individuals against significant liability claims or judgments. While typical home and auto insurance policies provide a foundational level of coverage, they may not be sufficient to shield policyholders from large-scale liability events. Umbrella insurance acts as a supplementary policy, offering enhanced coverage that extends beyond the limits set by standard home and auto policies.
This type of insurance is particularly vital in today’s litigious society, where lawsuits can arise from a variety of situations, such as accidents, injuries, or claims of defamation. For instance, if a guest sustains an injury while on your property or if you are found liable for damages caused by your vehicle, the costs associated with legal defense and potential settlements can easily surpass standard policy limits. Umbrella insurance steps in to cover these excess amounts, ensuring that your personal assets—such as savings, investments, and even future income—are protected.
In addition to bolstering property and automobile insurance, umbrella policies can address a range of liabilities that might not be covered by other types of insurance. This includes claims related to personal injury, libel, or slander, as well as incidents occurring in various contexts, including those involving recreational vehicles or home rental properties. The flexibility and breadth of coverage offered by umbrella insurance make it a critical investment for individuals seeking comprehensive protection against unforeseen liability risks.
When considering an umbrella insurance policy, it’s essential to assess your overall exposure to potential risks and liabilities. Factors such as your profession, lifestyle, and assets will influence the recommended coverage amount. Maintaining adequate coverage can provide peace of mind, allowing you to navigate daily activities with greater confidence, knowing that you have a financial safety net in place to address potentially devastating legal claims.