AUTO / HOME INSURANCE

 

AUTO

Auto insurance is one of your most important expenses. In the state of Tennessee you are required to have liability coverage at a minimum. Robins Insurance offers a variety of coverages based on your specific needs. If you have a good driving record we have very competitive auto rates.

Coverage rates are based on the following factors:

• Where and why your car is driven
• The year, make and model of your car
• Level of protection

We specialize in the following types of automobile coverage:

• Liability for Bodily Injury and Property Damage
• Comprehensive and Collision Insurance
• Umbrella Coverage
• Supplemental Coverage (towing, labor and rental reimbursement)
• Insurance for Boats, Antique Autos, Recreational Vehicles, Motor Homes

Additional Benefits:

Flexible payment including monthly withdrawal from your checking account,
24 hour claims hotline for emergency assistance and
Umbrella polices are available.

You can earn auto insurance discounts for the following:

• Being a good driver
• Driving a safe car
• Low annual mileage
• Drivers over 50 years old
• Carpools
• Being a good student
• Student that has taken drivers' training
• Student away at school without a car
• Multiple cars with the same insurance company
• Having other policies with the same insurance company
• Air bags and anti-lock brakes
• Home insurance coverage by the same carrie

Teensurance™

With Teensurance powered by Safeco®, we can help parents change the conversation they have with their teen drivers. Teensurance is a new set of online tools that gives parents a way to determine how their teen is driving. It encourages teens to drive responsibly, notifying parents when a driver exceeds a pre-set speed limit or leaves a geographic boundary, for instance.

With Teensurance, parents and teens can:

• Track a car’s location online, in real time
• Have a car door remotely unlocked
• Set speed alerts
• Set a driving curfew
• Set “safe driving zones”
• Access roadside assistance, 24/7
• Track the vehicle if stolen

 

HOME

Your home is probably your most valuable asset. For this reason, you should have homeowners or renters insurance that gives you the protection you need at the best possible price. No matter if you own your home or condominium, or are a renter, coverage is essential to prevent loss of your valuable possessions and to provide money to rebuild or replace them should disaster strike.

Consider the following options when purchasing home, condominium or renters insurance:

• Home Replacement Guarantee
  This guarantee covers the full cost of repairing your home damaged in a covered incident even if the cost exceeds your policy limits, provided your home is insured for 100% of its replacement value.
  
  
• Full Value Contents
  If you experience a covered loss in which an item is destroyed or stolen, your policy will pay to replace the item up to the limits stated within the policy and less your deductible. The difference between replacement cost and the actual cash value can be considerable.
  
  
• Repair Guarantee
  This guarantee is to insure you that repairs done to your home by an agreed-upon contractor will be done to your satisfaction within reason.
  
  
• Umbrella Insurance is available
  

We offer varying levels of homeowner protection:

• Fire, smoke, explosion
• Wind, hail, lightning
• Theft, burglary, robbery
• Riot, vandalism
• Weight of snow and ice
• Water damage or freezing of plumbing and heating systems
• Additional living expenses during loss
• Guaranteed home replacement
• Personal property replacement cost
• Scheduled personal property
• Recreational vehicle liability
• Watercraft liability
• Professional liability for teachers, school administrators, barbers and beauticians

You can earn home insurance discounts for the following:

• Burglar Alarm
• Dead Bolts
• Smoke Alarms
• Fire Extinguishers
• Newer Home
• Higher Deductibles
• Account Credits
• Auto coverage by the same carrier

Additional Home-Owner Policies:

• Estate-Owner Policies
  Designed to meet the needs of those living in suburban or rural areas who do not earn their living from farming but do have limited farm exposure.
  
  Some of the primary coverages for country residences
  - Fire, lightning, smoke, explosion
  - Wind, hail, falling objects
  - Aircraft, vehicles
  - Riot, vandalism
  - Theft, burglary, robbery, glass breakage
  - Water damage or freezing of plumbing and heating systems
  
  Optional coverages
  - All-risk dwelling
  - Replacement cost dwelling
  - Guaranteed home replacement cost
  - Personal property replacement cost
  - Scheduled personal property
  - Recreational vehicle liability

• High-Value Homes Policies
  Specially crafted to protect the unique features and fine furnishings of distinctive homes, providing homeowners with the broad, tailored coverage they need, and the high level of claims service they expect.
  - Coverage range: homes $500,000 and up
  - Deductible options from $500 to $50,000
  - Host of price advantages for qualified customers based on insurance score, age of home and loss-free history