Tips & Info

We work directly with each and every client when determining what coverage levels fit their needs. No question is irrelevant when it comes to protecting your assets and loved-ones and we get a feeling of great satisfaction every time a client leaves our office more informed and confident than before.

Home Maintenance Tips For All Seasons!

Protect Your Credit

Most major insurance companies are now using a scoring system based heavily on credit reporting data.

    Tips to Improving Your Credit Score:

  • Pay All Bills On Time - Delinquent payments and collections can have a major negative impact on a score.
  • Keep Balances Low On Unsecured Revolving Debt Like Credit Cards - Maintaining a balance of as little as 40% of your issued credit may negatively impact your score.
  • Only Apply For or Cancel Credit Cards When Necessary - Canceling a credit card will lessen your available credit and may affect your score. Having excessive hit on your credit may also negatively affect your score.

Know Your Plan

There are many common misconceptions about what would normally be covered under homeowner’s plans.

  • Backup of Sewers and Drains - This coverage is not automatic. It must be added as an endorsement to your policy. We especially recommend this coverage if you have a finished basement.
  • Flood Insurance - Flood is excluded on all homeowner policies. You may purchase a separate Flood Insurance policy.
  • Valuable Property Schedules - There are coverage limits built-in to most homeowner policies for certain valuable items. Scheduling jewelry and other valuables will provide much broader coverage for those items.
  • Earthquake - Not automatically included on a homeowner policy, this coverage must be added by endorsement.
  • Garage Kept Auto - The classic car in your garage is likely not covered under your homeowner’s policy. A separate policy must be in place to cover a car in the event of damage.
  • Road-Side Assistance and/or Towing – Some policies will include these coverages, but certainly not all.

Take an Inventory of All Home Contents

Taking a detailed inventory of all home contents can be a great help in the unfortunate event that a catastrophic loss was to occur and the form below will help you do just that! This form may also bring items to mind that you will want to schedule on your home policy. Scheduling items often makes it much easier to recover their value and with many policies a scheduled item will have either a much lower deductible, or in some cases, no deductible whatsoever!

Printable Inventory Assist>>>

Barrett Insurance Agency
10579 Cedar Grove Road Suite 100
Smyrna, TN 37167
Telephone: (615) 220-9890
Fax: (615) 220-9838
E-Mail: barrettagency@gmail.com
Office Hours: Monday - Friday, 8 a.m.-5 p.m.