<p>I help individuals and family members get the best long term life insurance that is best for your budget and enough for you and / or your household . </p></p>

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Life

Personal auto insurance is a policy that provides coverage for vehicles primarily used for personal or non-business purposes. It helps protect drivers and their vehicles from financial loss in an accident, theft, or other covered incident.

 Personal auto insurance policies typically cover several events, including collision damage, theft, and liability for bodily injury and property damage. The coverage options and limits may vary depending on the policy and the insurance company.

Personal Auto

Homeowners insurance is a type of insurance policy that provides financial protection to homeowners in case of damage to their property or personal belongings due to various perils such as theft, fire, and natural disasters. Homeowners insurance typically covers the cost of repairing or replacing damaged property and provides liability coverage if a third party gets into an injury on the homeowner's property. Most homeowners' insurance policies cover the physical structure of the home, as well as other structures on the property, such as garages or sheds. The policy may also cover personal property such as furniture, clothing, and electronics.

Homeowners 

Dwelling fire insurance covers damages to a dwelling, such as a single-family home, townhouse, or duplex, caused by specific perils listed in the policy. These perils typically include fire, lightning, wind, hail, and explosions.

 Landlords often purchase dwelling fire insurance, which can help protect their investment properties from damage caused by tenants, natural disasters, or other covered perils. It can also be purchased by homeowners needing help to afford a full homeowners insurance policy or who have difficulty obtaining coverage due to high-risk factors, such as living in an area prone to wildfires or flooding.

Dwelling Fire

Mobile Homeowners Insurance is a type of insurance policy that provides coverage for owners of mobile or manufactured homes. These homes are designed to be transported and are built in a factory before being transported to their final location.
 Mobile Homeowners Insurance can cover a range of risks, including damage to the home itself, damage to personal property inside the home, liability for injuries on the property, and more. A Mobile Homeowners Insurance policy specific coverage and limits can vary depending on the insurer and the homeowner needs.

Mobile Homeowners

Motorhome insurance is a type of insurance policy that provides coverage for motorhomes, also known as RVs (recreational vehicles). It covers living quarters and amenities for recreational or travel purposes. 
 Motorhome insurance typically covers damage to the vehicle, liability for bodily injury and property damage, as well as theft and vandalism. In addition, some policies may cover personal belongings, awnings, and other accessories.

Motorhome

Personal and premises liability insurance are two types of insurance that protect against financial losses that can result from accidents, injuries, or property damage.

 Personal liability insurance provides coverage if you are found legally responsible for injuring someone or damaging their property. This type of insurance can help cover the cost of legal fees, medical bills, and other expenses associated with the incident.

Personal and Premises Liability

RV insurance is a specialized insurance policy that covers various types of recreational vehicles, such as motorhomes, travel trailers, fifth-wheel trailers, pop-up campers, and truck campers. It typically includes liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
 The coverage limits and premiums may depend on several factors, including the type and value of the RV, the usage, and the driver's history.

Recreational Vehicles

Travel trailer insurance is a policy designed to cover travel trailers, also known as recreational vehicles (RVs), while on the road or parked at a campsite. 
 Travel trailer insurance typically covers a range of risks, including collisions, theft, vandalism, and weather-related damage. Some policies may also include coverage for personal property and liability protection in case someone is injured, or their property is damaged while on your campsite or around your trailer.
 When purchasing travel trailer insurance, it's important to consider factors such as the value of the trailer, its age, and the types of activities you plan to engage in while using it.

Travel Trailer

Vacant home insurance is a type of insurance policy that provides coverage for unoccupied or vacant homes for extended periods. These homes may be unoccupied because they are undergoing renovations or repairs, are up for sale or rent, or because the owners are away for an extended period.

 A standard homeowners insurance policy typically only covers a vacant home for 30 to 60 days. If the home is left unoccupied for an extended period, the risk of damage or loss increases, which can result in a higher likelihood of insurance claims.

Vacant Home

Yacht insurance is a type of insurance policy that provides coverage for boats and other watercraft typically used for pleasure or recreation. Yacht insurance policies protect yacht owners from financial losses in an accident, theft, or other covered event that could damage the vessel or cause injuries to the owner or passengers.
 Yacht insurance policies typically cover a wide range of risks, including damage to the yacht or its equipment, liability for injuries or damage caused to other boats or property, and coverage for personal property and equipment on board the yacht. Some policies may also provide coverage for emergency towing, salvage, and other types of assistance in the event of an accident or breakdown.

Yacht

Renters insurance, or HO4 insurance, is a policy designed to protect individuals renting a property. This type of insurance policy typically covers personal property, such as clothing, furniture, and electronics, as well as liability coverage for accidents that may occur on the property.
 Renters' insurance can protect against various potential risks, including theft, fire, water damage, and other unexpected events.

Renters

Condo insurance, also known as condominium insurance, is a type of insurance policy that protects owners of condominium units. Unlike homeowners' insurance, which typically covers the entire structure of a house, condo insurance typically covers only the owner's unit and its contents.

 Condo insurance policies generally include several types of coverage, such as personal property coverage, liability coverage, and loss of use coverage.

Condo

Motorcycle and ATV insurance policies cover motorcycles and all-terrain vehicles (ATVs). These policies are typically similar to standard auto insurance policies but cater to the specific needs of motorcycle and ATV riders.
 Motorcycle and ATV insurance policies usually cover liability, collision, and comprehensive coverage.

Motorcycle & ATV

Personal boat insurance, also known as boat owners insurance, is a type of insurance policy that provides coverage for boats and personal watercraft. It typically covers damage to the boat and liability for any injuries or damages caused by the boat to other people or property.
 Boat insurance policies can vary depending on the type of boat, its size, its value, and its usage. Some policies may include coverage for towing and salvage, emergency assistance, and personal property on board the boat.

Personal Boat

Term life insurance is a type of life insurance that provides coverage for a specific period, typically ranging from one to thirty years. It provides financial protection for the policyholder's beneficiaries in the event of the policyholder's death during the policy term.

 You can typically renew term life insurance policies or convert to permanent life insurance at the end of the term. However, the premiums for a renewed or converted policy may be higher than the original due to the policyholder's age and health status.

Term Life

Whole life insurance is a type of life insurance policy that covers the insured's entire lifetime. Whole life insurance remains in force until the insured dies or reaches a certain age, usually 100 years old.

 One of the benefits of whole-life insurance is that it provides both a death benefit and a savings component.

Whole Life

Universal life insurance is permanent life insurance that provides beneficiaries a death benefit while building cash value over time.

 Unlike whole life insurance, which typically has fixed premiums, universal life insurance offers flexibility in premium payments and death benefits. The policyholder can increase or decrease the premium costs and adjust the death benefit.

 Universal life insurance can be a good option for individuals who want life insurance coverage that can adapt to their changing needs. However, it's important to carefully consider the costs and potential risks involved before purchasing a policy.

Universal Life

Variable life insurance is a type of life insurance policy that combines a death benefit with an investment component. The investment component allows policyholders to allocate their premiums to various investment options such as stocks, bonds, and mutual funds.

 One of the key features of variable life insurance is the ability to customize the policy's investment component. Policyholders can choose from various investment options with risk profiles and potential returns.

 It's important to note that variable life insurance is not for everyone. Individuals should carefully consider their investment goals, risk tolerance, and financial situation before purchasing this type of policy.

Variable Life

Burial and funeral insurance policies cover the costs of a person's funeral and burial expenses. These policies allow individuals to plan and ensure that their loved ones can cover final expenses without facing a financial burden.

 Burial insurance typically provides a lump sum payment to cover the funeral, burial, or cremation costs, including expenses such as caskets, urns, cemetery plots, and memorial services. Funeral insurance, however, may provide more comprehensive coverage, including funeral costs, medical bills, legal fees, and other related expenses.

Burial and Funeral

Credit insurance is a type of insurance that helps protect businesses from financial losses due to non-payment of outstanding debts by their customers.
 Credit insurance helps businesses mitigate this credit risk by providing coverage against non-payment due to insolvency, bankruptcy, or other factors beyond their control.
 The coverage typically includes the insured amount of the outstanding debt plus interest and collection costs.

Credit

Mortgage insurance is a type of insurance that protects the lender in case the borrower defaults on their mortgage payments. The purpose of mortgage insurance is to reduce the risk for lenders, making it possible for borrowers to qualify for a mortgage with a lower down payment.

 The cost of mortgage insurance varies depending on the down payment size, the loan amount, and the type of mortgage insurance required. In general, borrowers can expect to pay an annual premium of around 0.3% to 1.5% of the loan amount for private mortgage insurance. Typically, mortgage insurance is required when a borrower puts down less than 20% of the home's purchase price as a down payment.

Mortgage

Supplemental insurance is a type of insurance policy that covers expenses not covered by a primary insurance policy. 
 You can purchase supplemental insurance as a standalone or rider to an existing policy. Some common types of supplemental insurance include dental insurance, vision insurance, disability insurance, and long-term care insurance.

Supplemental

Survivorship insurance is a type of life insurance policy that covers two people and pays out a death benefit only after both individuals have passed away. It's also known as second-to-die insurance or joint survivor life insurance.

 Usually, couples use survivorship insurance policies who want to provide for their children or heirs after they both pass away. It can be a cost-effective way to ensure that funds are available to pay estate taxes, provide an inheritance, or cover other expenses after the second spouse dies.

Mi Kala Hutcherson

Mi Kala Hutcherson

Insurance agent in Tennessee

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