Protecting your Home
Your home is a place where memories are made, and often where your most prized possessions – the people you care about – are located. Protecting your home is important to you, and at FMT we take that very seriously. Our home insurance coverages provide you with options for protecting this valuable asset at affordable rates.
Whether your home is newer, older, in a heavily populated area or a more rural location, chances are that our independent insurance agents can find the right FMT coverage for you.
FMT Insurance, a regional insurance company specializing in homeowners insurance, offers robust protection to homeowners in Kentucky and Tennessee. Understanding the unique challenges of these areas, FMT Insurance tailors its policies to provide comprehensive coverage against a range of risks, including weather-related damages like tornadoes and floods, which are prevalent in these states.
With a strong focus on customer service, FMT ensures swift and fair claim settlements, helping homeowners to quickly recover from unforeseen events. Additionally, the company offers flexible coverage options and discounts, making it easier for homeowners to find a policy that fits their needs and budget. FMT Insurance stands out for its local expertise and commitment to serving the specific needs of Kentucky and Tennessee homeowners, establishing itself as a reliable and trusted partner in home protection.
Homeowners Coverage
- Designed for homes that are owner-occupied
- Coverage for the residence and other structures like detached garages
- Coverage for personal property
- Coverage for additional living expense
- Coverage for personal liability
- Coverage for medical payments to others
- Optional coverages including Earthquake, Collections (Jewelry, Coins, Guns, etc.), and more
- Optional Umbrella coverage. Learn More >
- Limits
Homeowners Insurance FAQ
This is a very good question. There are several different insurance policies that are available in the market. Most widely used today is a Special Form policy. Some people call it an All-Perils Policy; however, there is not an insurance policy that covers everything. It is important to know that the special form does have some exclusions. Then there are named peril policies that are available. These policies only cover perils that are listed in the policy form. We recommend discussing coverage details regarding your Homeowners Insurance with your local FMT Insurance agent.
An Actual Cash Value policy is based on today’s cost to rebuild minus depreciation based on the age and condition on your home.
The cost to replace your damaged property with material of like kind and quality. The cost of building material and housing rise so it is a good idea to make sure your home is insured to the correct value. We suggest talking to your agent to make sure you have the amount of insurance you need. You do not have to wait till your policy renews to increase the coverage on your homeowners insurance. Your personal property can be insured at Actual Cash Value or Replacement. Make sure you discuss with you local FMT Insurance agent about insuring your personal property at Replacement Cost.
FMT Insurance has been providing quality insurance coverage for Tennesseans since 1913. Neighboring farmers came together in 1913 to start an insurance company for those local but rural areas that could not get insurance. FMT still holds to that traditional value of helping neighbors. We believe in the quote “Neighbors helping Neighbors”. FMT is no longer providing insurance just the rural farmer we are providing home insurance for all of Tennessee. We are here to provide the best home insurance in Tennessee and the best customer service. We are local not nationwide. We are a company that is located in Tennessee providing Home Insurance in Tennessee. FMT Insurance is not affected by claims outside of Tennessee which gives us better leverage to be a stable financial company that will be here for you as long as you need us. We are Tennesseans providing coverage for Tennesseans and those who are moving in to be Tennesseans.
Your insurance is not a home warranty. However, FMT values its customers and their homes. We offer a few extra coverages to give the insured more protection than the original policy will cover. These include home systems breakdown coverage, water back-up coverage, and service line coverage. To learn more about these coverages contact your local FMT Insurance agent.
We are so excited you have decided to ask this question and have seriously considered FMT as your insurance provider. We have over 100 independent agency locations in the state of Tennessee. If you click Find and Agent, it will direct you to input your address and it will let you know who and where the closest FMT Insurance agent is to you. You can call them directly or request a home insurance quote by clicking Get a Quote.
FMT will insure owner occupied homes, seasonal homes, and tenant occupied homes. Types of structures include Single family Homes, Mobile Homes, Log homes, and farm houses. FMT has different home insurance policies based on different factors such as age of house, age of roof, construction type, and source of heat.