Most Tennessee homeowners assume their home insurance policy covers flooding. It doesn't and that gap has cost families thousands of dollars after storms. Here's what you actually need to know before the next heavy rain.

Middle Tennessee's spring seasons bring a unique blend of beauty and potential peril. Your homeowners insurance is a critical component of being prepared, but its effectiveness hinges on understanding its nuances, including your deductibles and coverage limits for perils like wind and hail damage etc.