HOME INSURANCE

Protecting Your Home & Everything In It

Your home is more than just four walls—it’s where memories are made, where family gathers, and where you should always feel safe. At Farmers Mutual Insurance of Giles County, we understand that no two homes—or homeowners—are the same. That’s why we offer personalized coverage that fits your needs, your budget, and your way of life.


Whether you’re buying your first home, renting, or need coverage for a second property, we’re here to help.

Home insurance is designed to protect you financially from unexpected disasters, accidents, and damages. We also offer specialized coverage options for valuables, rental properties, and additional risks. Our policies can include:

Local Coverage from People Who Understand Your needs

What Does Our Home Insurance Cover?

Dwelling Coverage

Protects your home’s structure from fire, storms, vandalism, and other covered events.

Personal Property Coverage

Covers belongings like furniture, appliances, clothing, and electronics.

Liability Protection

Covers legal fees and medical expenses if someone is injured on your property.

Loss of Use Coverage

Pays for living expenses if your home is damaged and you need temporary housing.

Medical Payments Coverage

Covers medical bills for guests injured on your property, no matter who’s at fault.

Frequently Asked Questions

  • What is NOT covered by home insurance?

    Standard home insurance typically does not cover:

    • Flood damage (requires separate flood insurance).
    • Earthquakes (requires additional coverage).
    • Routine wear and tear or maintenance issues.
    • Damage caused by pests (termites, rodents, etc.).
    • High-value items (like expensive jewelry or artwork) unless specifically added to the policy.

    If you need additional coverage, we can help customize a policy that fits.


  • How much home insurance do I need?

    It depends on several factors, including:

    • The replacement cost of your home (not just the market value).
    • The value of your personal belongings.
    • Your liability risk (if someone gets injured on your property).

    We’ll walk through all of this with you and help you determine the right coverage levels.

  • Do I need home insurance if I own my home outright?

    While it’s not legally required, it’s highly recommended. Without coverage, you’re 100% financially responsible for damages, repairs, or legal claims if something happens. A good policy protects your investment and your peace of mind.

  • How can I lower my home insurance costs?

    Most homeowners insurance policies include limited coverage for valuables like jewelry, collectibles, and fine art. If you own high-value items, we recommend scheduling additional coverageA few ways to save:

    ✔️ Bundle your policies (home & auto).

    ✔️ Install home security systems for added safety.

    ✔️ Keep a good claims history (fewer claims = lower rates).

    ✔️ Choose a higher deductible if you can afford it.


    We’ll help you find every discount possible to keep your policy affordable. to fully protect them.

Get the Right Home Insurance Today

Your home is too important to leave unprotected. Whether you’re looking for a new policy, better coverage, or just some advice, we’re here to help.


Visit Visit Our Office

📍 1029 West College Street, Pulaski, TN

Call Us Today: (931) 363-1322