Author Archives: Barnes Insurance Tennessee

A Complete Guide to Buying TN Auto Insurance

TN auto insurance is a requirement in the state to protect you and your vehicle against a variety of scenarios. If an uninsured driver was to hit you, if you caused a crash yourself, or even if you backed into a pole at the grocery store, these scenarios can end up being financially devastating if you do not have adequate protection.  Consider the following to ensure you have substantial Tennessee car insurance.

The Minimum Requirements

Tennessee requires vehicle owners to purchase auto coverage. This foundational protection takes care of injuries and damages that you are at fault for in a …

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Should You Carry Personal Umbrella Insurance?

Umbrella insurance coverage protects against potential financial devastation when an unforeseen event causes property damage or injury, and the policyholder is held responsible. This policy is designed to step in when other forms of insurance, such as auto or homeowners, have hit their limits. It is essential to consider the total value of the assets that you may wish to protect, evaluate your unique set of risks, and determine the impact of a potential loss of future income.

Beyond the standard set of insurance policies to protect your assets and your loved ones, you may have overlooked the importance of …

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Preparing Your Home for Summer Risks

For many, summer is one of the long-awaited seasons of the year. Many spend their days having barbecue parties, lounging by the pool, and spending quiet evenings on the porch. However, summer is also considered a season of risks. From sweltering hot temperatures, disease-carrying pests to other seasonal risks, there are many hazards that you need to look out for during summer. By taking the necessary steps to prepare your home, you can minimize any potential summer risks that can result in damage and expensive losses.

Tips to Prepare Your Home to Avoid Summer Risks

In anticipation of the summer …

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Prime Financial Advantages of Home Ownership

Home ownership is a common American dream, and while some people can’t afford to or actively choose not to pursue it, those who buy into the housing market often see major financial benefits.

Purchasing a home is one of the most significant financial decisions you can make and simply getting to that point requires a certain degree of financial success. But among those who take on the big task of home ownership, many see financial benefits that far outweigh their initial investment, especially during tax season.

Strong Financial Future

Owning a home is one of the basic foundations of accumulating …

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Small Businesses: The Pros & Cons of Employee Benefits

Employers are not legally required to offer employee benefits, so why do they offer them? Since payroll is already the largest line item on most employers’ balance sheets, and recruiting new employees costs time and money, attracting and retaining the top talent should be a priority. This is particularly true within competitive industries where workers have multiple options.

Small businesses must manage expenses and cash flow wisely and with much caution. It is also important to note that employers who offer benefits also are bound by certain laws and regulations. Regardless of whether there are violations, employers may need the …

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Spring Home Maintenance Tasks

Spring is upon us and it is a great time to get outdoors and tackle some maintenance tasks. If the winter weather conditions were rough on your home, you might be in need of repairs, but regardless there are many things you can do for a smooth and enjoyable transition into the new season. Here is a checklist of ideal spring home maintenance tasks.

Driveways and Paths

Freezing and thawing are rough for just about all hardscape materials. Walk around your property checking for damage to walkways, paths and driveways, then schedule repairs as needed. It may just require a …

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Defensive Driving: How to Reduce the Risk of an Accident

Defensive DrivingDriving is a privilege, not a right. It must be taken very seriously, as it can be an extremely dangerous activity. The risks of driving are real and there are far too many accidents. Luckily, there are simple steps that can be taken to reduce your risks and help make the roads safer for all.

Sober Driving

Driving with any sort of buzz is obviously a dangerous behavior, yet too often drivers get behind the wheel with alcohol in their bloodstream. This strongly impairs judgment and slows reaction time. If you have been indulging at all, always designate a driver.

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Start the Year off Right by Checking These Things in Your Car

Start the Year off Right by Checking These Things in Your CarMany people think of their vehicles as little more than expensive and complex appliances. Whatever your relationship to your car, you rely on that thing to keep your daily life running smoothly, and the beginning of the year is a great time to get around to the checklist of maintenance. Use your owner’s manual as a guide, and get ready for a great year on the road!

Brakes & Brake Fluid 

Changing your brake fluid is very important. If your brake pedal has gotten squishy over time, there’s a good chance you need to flush out your brake fluid. The

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What to Know About Insuring Your New Holiday Gifts

What to Know About Insuring Your New Holiday GiftsWe hope you had a wonderful holiday! It’s likely that you and your family now have a variety of exciting new gifts to enjoy. However, before you get too comfortable with your new gifts, it’s important to understand how to keep them protected for years to come.

Some holiday gifts will be covered under your standard home or renters insurance policy, even if they’re stolen from your car, but standard policies typically have coverage caps on certain types of valuable items, so it pays to think ahead if you’re buying a pricey present or in possession of a gorgeous new

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Don’t Let These Common Homeowners Insurance Claims Ruin Your Holidays

Don’t Let These Common Homeowners Insurance Claims Ruin Your HolidaysThe holidays are a festive, fun time, but the holidays can also bring about a heightened risk for homeowners. Flickering candles are fire hazards. Wet walkways can present a slip and fall. Pyramids of presents can be burglary bait. But homeowners insurance can help you recover financially and ensure that a little mishap doesn’t spoil your entire holiday season.

House Fires

Dehydrated Christmas trees, candles and overworked outlets, make fire hazards a huge threat this time of year. Within homeowners insurance, dwelling coverage pays for home repairs and personal property insurance covers belongings.

Speak to your agent about pinpointing your

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