From The Talley Insurance Group
Tips, coverage guides, and local market updates — written by your independent agents in Spring Hill, TN.
Will homeowners insurance pay for a new roof? Learn how storm damage, roof age, wear and tear, deductibles, and replacement cost can affect a roof insurance claim.
Does your Tennessee business need workers’ compensation insurance? Learn when coverage is required, how employee counts work, what construction businesses need to know, and why a 1099 doesn’t automatically make someone an independent contractor.
Replacement cost and actual cash value can lead to very different insurance claim payouts. Learn how RCV, ACV, depreciation, and recoverable depreciation work.
Renting a car and wondering whether you need the rental company's insurance? Learn how your personal auto policy may apply to rental vehicles and what to check before declining additional coverage.
General liability and a Business Owners Policy aren't the same thing. Learn what each covers, the key differences, and how to determine which option may be right for your business.
"Full coverage" is one of the most misunderstood terms in auto insurance. Learn what it actually includes, what it doesn't, and how to make sure your policy provides the protection you need.
Your insurance premium increased, but you haven't filed a claim. So what happened? Learn why rates change, the factors insurance companies consider, and how an independent insurance agent can help you find the best value.
Bundling home and auto insurance sounds like a guaranteed win — but for many Tennessee families, splitting policies across carriers saves hundreds of dollars a year. Here's what most agents won't tell you.