Gipson Insurance Agency
201 W Main St, McMinnville, TN 37110
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201 W Main St, McMinnville, TN 37110
View this agency's profile to learn more about their services.
419 North Chancery Street, McMinnville, TN 37110
View this agency's profile to learn more about their services.
419 N Chancery St, McMinnville, TN 37110
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Mcminnville residents.
McMinnville homeowners face very high tornado risk. Learn how to get adequate home insurance coverage for Middle Tennessee severe weather and storms.
Car InsuranceMcMinnville drivers need Tennessee's 25/50/15 minimum coverage. Get competitive auto insurance rates in Warren County's nursery capital.
Yes, tornado damage is covered under standard homeowners insurance policies in Tennessee. Windstorm protection is built into most policies, so damage to your roof, walls, windows, and other structures from tornadoes is covered. You don't need to purchase separate tornado insurance, but you should verify your coverage limits are high enough to cover rebuilding costs.
Tennessee homeowners pay an average of $3,045 to $3,085 per year for home insurance, which works out to about $254 per month. Your actual rate in McMinnville will depend on your home's age, construction type, coverage limits, deductible, and your credit score. Rates can vary significantly between insurance companies, so it's worth getting quotes from multiple insurers.
Standard homeowners insurance does not cover flood damage from rising water, even during severe storms. If your home is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by law. Even if it's not required, you should consider it given the heavy rainfall that often accompanies severe weather in Middle Tennessee.
McMinnville is located on the Highland Rim in Middle Tennessee, which sits in "Dixie Alley" where tornadoes frequently occur. Warren County has experienced multiple destructive tornadoes, including an F5 in 1974 and an F1 in 2006 that killed two people. The area is classified as very high risk for tornadoes, which is why insurance rates reflect this elevated weather threat.
Tennessee law does not require homeowners to carry home insurance. However, if you have a mortgage, your lender will require you to maintain homeowners insurance as a condition of the loan. Even without a mortgage, going uninsured in a high tornado-risk area like McMinnville puts your entire investment at risk.
Replacement cost coverage pays to rebuild or replace damaged property without deducting for depreciation, meaning you get enough money to replace what was lost. Actual cash value coverage subtracts depreciation from the payout, giving you less money. In a high-risk area like McMinnville, replacement cost coverage is strongly recommended even though it costs more.
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