Assured Partners Of W. Va. DBA Insurance Systems, Inc.
100 E Rivercenter Blvd, Suite 800, Covington, KY 41011
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100 E Rivercenter Blvd, Suite 800, Covington, KY 41011
View this agency's profile to learn more about their services.
525 W 5th St, Suite 235A, Covington, KY 41011
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Covington residents.
Covington home insurance costs average $3,045/year. Learn about tornado coverage, wind deductibles, and flood protection in Tennessee's tornado alley.
Home InsuranceCovington home insurance averages $2,004/year. Learn about storm risks, flood coverage, and how fast growth affects rates in this Atlanta exurb.
General Insurance EducationComplete insurance guide for Covington, Tennessee. Learn about tornado risks, flood coverage, and auto insurance in Tipton County. Get quotes today.
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Yes, standard homeowners insurance policies in Covington automatically include coverage for tornado damage. Your dwelling coverage will pay to repair or rebuild your home if it's damaged by high winds, and your personal property coverage protects your belongings. However, you'll typically face a wind and hail deductible that's a percentage of your dwelling coverage rather than a flat dollar amount, meaning you could owe several thousand dollars out-of-pocket before insurance kicks in.
Tennessee homeowners pay around $3,045 per year on average for home insurance, but your specific rate in Covington will depend on factors like your home's age, construction type, coverage limits, deductible, and claims history. Rates in Tipton County may run higher than the state average due to recent severe weather events and tornado risk. Shopping multiple insurers can reveal rate differences of hundreds or thousands of dollars for the same coverage.
Strongly consider it. Standard homeowners insurance doesn't cover flood damage, and West Tennessee experienced catastrophic flooding in April 2025 with rainfall totals exceeding 16 inches in some areas—the heaviest spring rainfall since 1950. If you're near creeks, drainage areas, or low-lying land, flood insurance through NFIP or a private insurer provides critical protection. Keep in mind there's typically a 30-day waiting period before coverage takes effect.
Replacement cost coverage pays to rebuild your home or replace your belongings at today's prices, regardless of depreciation. Actual cash value subtracts depreciation, meaning you'll receive much less money. With construction costs ranging from $180-$350 per square foot in Tennessee, replacement cost coverage is essential to avoid being underinsured. The same applies to personal property—replacement cost may cost $50 more annually but pays to replace your belongings with new items rather than giving you depreciated value.
Wind and hail deductibles in tornado-prone areas like Covington are typically percentage-based rather than flat dollar amounts. If you have a 2% wind/hail deductible on a home insured for $200,000, you'll pay the first $4,000 of storm damage repairs yourself. This is separate from your standard all-other-perils deductible and applies specifically to damage from windstorms, tornadoes, and hail—the most common severe weather claims in Tennessee.
Shop multiple insurers, as rates vary significantly between companies. Ask about discounts for bundling home and auto insurance, installing security or fire protection systems, upgrading to impact-resistant roofing, maintaining a claims-free history, or having good credit. Consider raising your deductible on non-weather perils, but make sure it's an amount you can afford to pay. Avoid filing small claims when possible, as too many claims can lead to higher rates or non-renewal.
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