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11002 Kingston Pike, Suite 103
Knoxville, TN 37934

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IRM Insurance Blog

Understanding Knoxville Condo Insurance

Knoxville Condo insurance is often confusing to many people. Many homeowners fail to realize the need to have a separate condo policy. This is apart from the building insurance coverage often referred to as the master policy. It is important to understand that the master policy only covers the common areas. The building insurance does not cover damage to your individual unit.

The need for condo insurance in Knoxville TN

Interior unit damage

As the owner, you are responsible for your personal unit and fixtures such as appliances, cabinets, and lighting. The kind of HOA master policy coverage you have will determine whether you need a separate policy or not. If the HOA has the “all-in” coverage, then this means that the policy will cover items such as lighting, cabinetry, fixtures, plumbing and wiring in your individual unit. However, if the master policy is a “bare walls” cover, then the owner will need a separate condo insurance policy.Theft of personal belongings

The HOA policy does not offer compensation for personal belongings such as clothing, computers and other personal gadgets. Personal condo insurance in Knoxville TN provides a cover for personal items that are stolen in your home.

Injury of a guest in your house

If a visitor falls or trips inside your unit or in staircases in your unit, the personal condo insurance will cover the medical bills and any other liability costs (up to the limits of the policy). The same applies in the event of a fire in your unit. The insurance for condo owners may also provide coverage for housing expenses.

Factors that may affect Knoxville condo insurance quotes

There are several factors that may affect the premium rates offered by different providers, among them:

• Condo construction materials
• Deductible amount
• The limit on your HOA master policy
• Coverage options

When searching for insurance for condo owners, it is important to remember that there are certain things that are not covered. Condo insurance in Knoxville TN policies will often exclude things like earthquakes, floods, nuclear hazards, intentional hazards, wear and tear and damage from underground sewers. Be sure to discuss the specifics of your policy with one of our team members.

There are many insurance companies out there that offer condo insurance.  To get the best deals in the market, you need to take the time to compare Knoxville condo insurance quotes. For the best possible deal we recommend working with an independent insurance agency like ours.

Knoxville Auto Insurance Done Right

Knoxville Auto insurance

Knoxville Auto insurance coverage is critical for anyone who owns and drives a vehicle, period. That’s reality. Auto insurance can defend drivers from the often stressful legal and financial consequences of accidents of all types. It can often take care of significant vehicle damage costs as well. If a car requires in-depth and costly professional repair work after a serious collision, a strong Knoxville auto insurance plan can be a lifesaver of sorts. The advantages of auto insurance are undeniably abundant.

If you’re currently on the lookout for auto insurance in Knoxville TN, you can relax. We’re a trusted independent insurance firm that can give you access to Knoxville auto insurance that’s the best of the best. Our agency can connect you to numerous prominent insurance providers you can trust. We make a fine option for vehicle owners who like exploring their choices. If you want to invest in Knoxville auto insurance that can help you sleep soundly at night, we can come to your aid. If you want to sign up for auto insurance that’s excellent value for your money, we can help you with that, too.

Knoxville Auto insurance rates are always different. One company may have sky-high rates. Another, however, may have significantly lower ones. Our agency can help you learn about all of the rate options that are available to you at the moment. If you’re busy searching for auto insurance quotes you can rely on 100 percent, we can cater to your wishes fully. Our Knoxville Auto insurance quotes are updated, accurate and dependable. They can help our customers make insurance choices that are educated, informed and sound as well.

When you need A+ Knoxville auto insurance in Tennessee, no local company can help you better than we can right here at IRM Insurance. Our staff members are all insurance specialists who work hard to provide our customers with information they can count on. If you want to learn about the finest auto insurance coverage choices that are in front of you, all you have to do is reach out to our patient, attentive and knowledgeable team. IRM Insurance is a business that has a passion for automotive insurance. We also have a passion for taking great care of our customers.

If you’re searching for Knoxville Auto insurance quotes in Tennessee, you should reach out to our trusted agency as soon as possible. Our contact telephone number is 865-579-0500.

Why You Need Knoxville Renters Insurance

Knoxville Renters Insurance

Knoxville Renters Insurance is important to the safety of your belongings. While your landlord insures the apartment or rental home that you live in, your personal belongings are not covered under the landlord’s insurance policy. This means that if there was a fire, a burst pipe or a burglary of your apartment, you would have to replace all of your belongings out-of-pocket. Knoxville renters insurance covers the replacement of your personal items such as clothing, shoes, household items, furniture, and personal items such as toiletries and medication. If you have electronics, a collection of rare books or a closet full of designer clothing, renter’s insurance helps to protect you in an emergency situation.

The Benefits of Working With Our Independent Insurance Agency
When you are searching for an affordable Knoxville renters insurance policy, we are able to search through quotes from dozens of companies. We understand that your time is limited, which is why we offer you a comparison between the different insurance quotes that we have compiled for you. When you work with us, you do not only get one quote from one company. We represent some of the best companies that offer Knoxville renters insurance in Tennessee. Our independent insurance agency compiles quotes from many companies in order to get the best possible deal for you. This allows you to select the renters insurance quotes that provide the coverage you need at a price that you can afford.

How Getting Multiple  Insurance Quotes Saves You Money
Having multiple renters insurance quotes allows you to choose the best deal for your needs. You can compare the different features of the quotes that we provide to you. Some policies may provide you with reimbursement for a hotel stay if your rental unit is uninhabitable due to a fire, water leak or smoke damage. You will also be able to compare between different levels of reimbursement, actual replacement value of your damaged or destroyed goods and different situations that are covered, such as theft. We can help you to find a policy that provides you with peace of mind.

Getting a Knoxville Renters Insurance Quote
Let us help you to find the best Knoxville renters insurance policy for your situation in Tennessee. At IRM Insurance, our goal is to ensure that your belongings and financial future are protected. We invite you to call us at (865) 579-0500 today to get quotes for Knoxville Renters Insurance in Tennessee.