Homeowners Insurance

Coverage That Stands Stronger Than Brick and Mortar
Homeowners Insurance Built for Life to be lived

Your home is more than a roof over your head—it’s where your story unfolds. Whether you own a craftsman bungalow in North Chattanooga, a new build in East Brainerd, or a family farmhouse near Cleveland, TN, Patriot Insurance Solutions helps you protect what matters most. As an independent insurance agency serving Tennessee, Georgia, and Alabama, and twenty plus other states, we partner with top-rated carriers to find the best home insurance policy for your property, budget, and peace of mind. When storms roll in from the valley or pipes burst in a cold snap, you shouldn’t wonder if you’re covered—you should know you are.

What’s Included in a Typical Homeowners Insurance Policy

A white car is parked on the side of the road in front of a house.

Dwelling Coverage

This helps rebuild or repair your home’s structure if it’s damaged by a covered event—like a fire, hailstorm, or fallen tree. We tailor your policy to match the real rebuild cost of your home based on current regional construction rates.

Personal Property

From your furniture to your favorite guitar, personal property coverage helps pay to replace the things you own if they’re stolen, damaged, or destroyed—even if the incident happens away from home.

Liability Protection

If someone slips on your front steps or your dog bites a guest, liability insurance covers medical bills, legal fees, and more. Standard limits usually start around $100,000, but we often recommend increasing limits—or pairing with umbrella insurance—for broader protection.

Guest Medical Coverage

Helps cover minor medical expenses if a guest is injured on your property—without needing a lawsuit to trigger the coverage.

Loss of Use / Additional Living Expenses

Loss of use, also known as additional living expenses, helps pay for extra living costs if your home becomes uninhabitable due to a covered peril like fire, storm damage, or a burst pipe. If you are forced to leave your home while it's being repaired or rebuilt, this covers the cost of:

  • hotel or rental home says
  • short-term apartment leases
  • pet boarding (if needed)
  • meals out (if you don't have access to a kitchen)

Optional Add-Ons

  • Flood Insurance (not included in standard homeowners policies) but often overlooked!
  • Earthquake & Sinkhole Coverages (rare but available)
  • Scheduled Property / Personal Article Floaters for high-value items like jewelry, antiques, or fine art

We’ll walk through what’s included—and what’s not—so there are no surprises later.

Built for Every Home and Every Homeowner

Whether your house is 80 years old or brand-new, tucked into a cul-de-sac or perched on a ridge, we’ll customize a policy to reflect its true replacement cost and unique risks. Chattanooga’s mix of historic neighborhoods and modern developments calls for different considerations—like sewer backup endorsements for older homes or roof age discounts on newer builds.

We also help you save where it counts.
You may qualify for discounts if you:

  • Install a home security system
  • Replace your roof
  • Bundle home with auto insurance
  • Are a claims-free or long-term policyholder
  • Use fire or burglar alarms, or upgrade plumbing and electrical

We don’t just quote—we educate, compare, and advocate for you.

Home Insurance FAQs – Real Questions from Local Homeowners

  • Is homeowners insurance required?

    Most state laws don’t mandate homeowners insurance, but mortgage lenders almost always require it. Even if you’ve paid off your home, keeping coverage in place protects you from massive financial losses after fire, storms, or liability claims. With our help, you can adjust your coverage to stay protected without overpaying.

  • What does homeowners insurance not cover?

    Most standard policies won’t cover flooding, earthquakes, wear and tear, or damage from neglect or maintenance issues. That means flood damage from the rising water, for example, would require a separate flood insurance policy. We’ll help you understand exclusions up front—and guide you on whether supplemental coverage is smart for your area.

  • How much home insurance do I really need?

    You need enough dwelling coverage to fully rebuild your home using today’s labor and material costs. That number is often different from your home’s market value. We use advanced tools and local market data to calculate the correct amount and ensure your policy is up-to-date with inflation adjustments.

  • Can I get a discount for bundling home and auto insurance?

    Absolutely. Most of our clients qualify for multi-policy discounts when they bundle their homeowners coverage with their auto insurance. Not only can it lower your premium, it simplifies your billing and claims process.

  • Does my policy cover short-term rentals or roommates?

    Possibly, but not always. If you rent out part of your home through Airbnb or have long-term tenants or roommates, we may need to add endorsements or explore landlord insurance options. Let us know how your home is used and we’ll make sure the coverage matches your real-life setup.