Insurance policies do not replace anything lost in house fires

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NASHVILLE, Tenn. (WSMV) – An important warning for landlords and renters: check your insurance policies now.

As temperatures continue to drop, firefighters anticipate more home fires due to more frequent use of items such as heaters.

It is important to make sure you are covered in case of an emergency.

Although your homeowner’s or renter’s insurance covers the majority of household items, many items require their own policy.

According to the Tennessee Department of Commerce and Insurance, in many cases things like firearms, jewelry, and antiques may require a separate policy to be fully covered.

If any of these items are damaged in a fire and you do not have separate policies for them, they will not be covered. So now is the time to make some changes.

“Whenever you get an insurance policy, sit down with your agent and go through it. That way you understand what the policy covers and what it doesn’t,” said Kevin Walters of the Tennessee Department of Commerce and Insurance.

Walters also said to take a home inventory online so you have proof of what was in your home.

This online inventory is completely free.

Simply download the National Association of Insurance Commissioners app to your smartphone. The app makes it easy to save all your belongings and upload photos of them.

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