Renters Insurance

Unlike homeowners, individuals who choose to rent often opt to lease their residence for decreased maintenance and responsibility. However, while a landlord is typically responsible for the upkeep of the renter’s building, they are not liable for a tenant’s belongings. In the event of fire, theft, or vandalism, it is important that a renter has the proper insurance to protect their property.

At Groogan Insurance Group, LLC, we understand the importance of protecting your assets. We work to provide tenants in Smyrna, La Vergne, Murfreesboro and the surrounding areas with the amount of coverage they need should their belongings ever be damaged or stolen.

Protecting the Assets of Smyrna Renters with Appropriate Coverage

By working with our clients to identify needs, we are able to match them with the most fitting renter’s policy. Depending on an individual’s coverage, their insurance could protect their assets one of two ways: Actual Cash Value (ACV), which insures items for their current worth, or Replacement Cost, which pays for the replacement of damaged items with brand new pieces. We also discuss liability coverage and how a policy could benefit a renter in a “loss of use” situation.

Once we have determined appropriate coverage, we turn to our trusted carriers for affordable premiums. To get started, request a quote.

Available Agents Insuring Renters

Should a client need to file a claim or simply have a question, we make a point to be available for our customers. Our staff enjoys building lasting relationships with their clients, and they are dedicated to ensuring that renters have the appropriate insurance policy in place.

By taking the time to work with our clients on an individual basis, we not only gain a better understanding of a customer’s exposures, but can offer recommendations on the different options. With access to multiple carriers, we have a price and payment plan to fit everyone’s budget.

Liability Insurance

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a Homeowners Liability policy from Groogan Insurance Group, LLC, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

• Claims for property damage
• Claims for injury to others (either on or off the premises)
• Liability defense costs
• Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from Groogan Insurance Group, LLC to determine the right amount of coverage to keep you protected today.

Mobile Home Insurance

At Groogan Insurance Group, LLC, we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.

Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:

• Personal Property Protection to pay for loss or damage to most of your personal items
• Family Liability Protection to provide legal representation against injury or property damage claims
• Guest Medical Protection to help cover the medical expenses for visitors injured in your home
• Home & Structure Protection to compensate you for building repairs after a covered accident
• Additional Living Expenses to reimburse you for temporary housing during reconstruction

Additional Benefits for Your Mobile Home

We know how special your mobile or manufactured home is to you, and we’re proud to offer an exceptional insurance policy that’s designed to meet your budget. You may also qualify for extra savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.

Talk with an insurance specialist at Groogan Insurance Group, LLC to learn how you can save with Mobile Home Insurance.

In-Home Business Insurance

Home-based businesses, both big and small, have become one of the fastest-growing commercial segments in America. As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home. At Groogan Insurance Group, LLC, we want to help you protect the security of your business with proper coverage, because the insurance required most likely goes beyond that of your standard Homeowners policy.

We know that you’ve invested hard work and countless hours into building up your In-Home Business, and because of that, Groogan Insurance Group, LLC wants to ensure that your operations continue to grow. With the right insurance policy for your business, you can provide the special protection you need in one comprehensive policy.

An In-Home Business policy from Groogan Insurance Group, LLC can cover:

• Professional Liability
• Personal property used for business operations
• Loss of income due to a covered event
• Loss or damage to business records and inventory

Depending on your business needs and living situation, you may also qualify for additional services to round out your In-Home Business Insurance, including combined coverage with your Homeowners policy.

Talk to a representative at Groogan Insurance Group, LLC today to create the perfect plan to address all of your business needs.

Scheduled Personal Property (SPP) Insurance

At Groogan Insurance Group, LLC, we know that your personal belongings are an extension of you, and oftentimes, the things you hold onto the most are the items in which you’ve invested much time and money. The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.

Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.

Should you decide to add the premium protection of SPP Insurance, one of the specialists at Groogan Insurance Group, LLC will work with you to determine the replacement cost of each item you would want to have insured.

The items you own are unique, which is why at Groogan Insurance Group, LLC, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.

Condo Insurance

For many, a condo is a great alternative to living in an apartment or a home and can offer more space, more living area, and more amenities. But since a condo is a special kind of residence, it requires its own insurance policy.

With Condo Insurance from Groogan Insurance Group, LLC, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage. And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.

A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for the cost of temporary housing while your unit is being fixed.

Contact a specialist at Groogan Insurance Group, LLC today to determine the right amount of coverage you need to keep your condo insured.

Landlord Renters Insurance

A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from Groogan Insurance Group, LLC, you’ll receive a complete degree of protection to keep yourself and your rental property insured.

The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:

• Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants
• Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
• Legal counsel and fees in the event of a related lawsuit
• Additional expenses to make up for lost income if your property needs to be repaired through loss of use

Because of the variety of options available, an insurance specialist at Groogan Insurance Group, LLC is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.