Will my homeowners insurance cover my damaged mailbox?

Homeowners’ insurance creates peace of mind for many people. It protects the exterior and interior of your home and other structures on your property. It also provides protection and coverage for your personal belongings. However, although many incidents are covered by homeowners insurance, not everything is. Our team at Tackett Insurance Inc. knows that many homeowners are confused about what’s covered by a homeowner’s policy. We’re dedicated to erasing the confusion for our Memphis, TN residents.

What is Homeowners Insurance?

Homeowners insurance is designed to cover your home, the structures on your property, and your personal belongings. Homeowners’ insurance can pay for repairing or replacing your home if it’s damaged due to a covered incident. Fire, theft, and some natural disasters are covered by homeowners insurance. You also have liability coverage as well. Suppose you damage someone else’s property while visiting your home or due to a covered incident. In that case, your homeowner’s insurance policy will pay for repairing or replacing the damaged item. Many forms of coverage and protection are part of homeowners insurance. It’s a good idea to understand what’s covered and what’s not. A licensed insurance agent can walk you through your insurance policy and eliminate confusion. 

Will Homeowners Insurance Cover My Damaged Mailbox?

Maybe. Your homeowner’s policy covers "other structures" on your property. This form of coverage would include your mailbox. However, the damage must be caused by a covered incident. Your insurance company will determine whether or not an event covered by your policy caused the damage. The damage may have been caused by an incident not covered by your policy. If you have questions about homeowners insurance, call us. We’d be happy to answer all of your questions. 

How to Safeguard Your Home from Fire

Everyone knows that fire is dangerous, but what about the havoc it can wreak on your home? Tackett Insurance Inc. wants every Memphis, TN homeowner to learn more about the common causes of house fires, how to detect and prevent them, and the first steps you should take if your home catches fire.

Keep Smoke Alarms Maintained

Many homeowners fail to maintain their smoke alarms properly. An alarm that does not work can’t sound a warning, so when a fire occurs, there’s no way to know about it until it’s too late. To ensure your smoke alarms work properly, clean them and check the battery at least once a year. Replace the entire unit every ten years.

Practice Safe Home Heating

It’s easy to get comfortable heating with a furnace or space heater, but you should also be mindful of the fire risks. Create a safe heating environment by keeping curtains and drapes away from heat sources. Keep space heaters at least three feet away from anything that can burn, including wooden furniture.

Get Your Electrical System Checked

A well-maintained electrical system can save you from a costly fire. A fire can start when a faulty appliance causes an electrical short, causing an electrical fire. Have your electrical system inspected by a licensed electrician to ensure the wires in your home are safely connected and that no wires are exposed. If you notice any exposed wires, have them quickly covered with a plastic sheath to prevent a short from occurring. If you have a natural gas system, inspect your gas line to ensure it’s safely insulated and that no cracks or holes are present.


Fire can cause significant damage to your home and can be frightening. Knowing what causes fires and how to prevent them can be helpful. Even if you do everything correctly, unforeseen troubles can cause fire damage and loss to your home. If you live in Memphis, TN, and need a home insurance policy to protect yourself from the cost of fire damage, please reach out to Tackett Insurance Inc. today.

What to Do If Your Homeowners Insurance Is Canceled

You go to your Memphis, TN mailbox and see a notice from your insurance company. Once you open the notice, you learn your homeowners insurance policy is being canceled. Now, what do you do? Don’t worry because you still have a small amount of time to get things taken care of, so you keep your insurance and meet any mortgage requirements. 

Keep reading to learn what you can do if your homeowners insurance policy is canceled and then give us a call at Tackett Insurance Inc. for help saving your insurance coverage. 

Why Insurance Policies Get Canceled

When an insurance policy is canceled, it often means coverage will end before the terms of your policy have expired. Unfortunately, there are many reasons why an existing insurance policy gets canceled – missing a payment or suspected fraud. 

However, insurance companies can choose not to renew a policy after it expires for several reasons. These reasons may include: 

  • Having bad credit
  • Owning an aggressive breed
  • Leaving the property vacant
  • Having a criminal record
  • Filing too many claims
  • Coverage is no longer available for the area

What to Do If Your Homeowners Insurance Is Canceled

Call your insurance company immediately upon receiving the cancellation or non-renewal notice. There may be something that can be done to prevent insurance loss, such as catching up on payments or getting a different type of insurance coverage. In addition, if there was something, such as a damaged roof, causing the cancellation, you might be allowed to have it fixed before the cancellation date to reinstate insurance coverage. 

If reinstating or renewing your insurance is not an option, you must start shopping around for a new policy. Different companies take on certain risks, and because one company canceled your policy does not mean you cannot get insurance. 

If your Memphis, TN homeowners insurance policy is at risk of being canceled, give us a call. Our agents at Tackett Insurance Inc. may be able to help keep you insured. 

Tips for making a home insurance claim

Tips for making a home insurance claim

While it is always every homeowner’s wish never to make a home insurance claim, they still happen, and sadly, most of them are rejected. According to GoCompare, one in six household insurance claims are denied every year. That is a good confirmation that many homeowners in Memphis, TN, and other states, don’t know much about their home insurance policies.

So, how do you go about filing a home insurance claim? Tackett Insurance, Inc. will help you with several tips to help get the most in the event of a claim process.

Focus on what is covered and not the price.

If you have never gone through your insurance policy, this is the time to have a serious look at what is written down there. Read between the lines as you focus on what is included. This will help you know what is covered and what is not covered.

Take an inventory of your belongings.

It is imperative to have an inventory of your property, or else how will you prove to your insurance company that a specific item was stolen when you can’t prove that you owned it? Keep receipts, photos, or videos.

For major claims, hire an insurance adjuster.

While insurance companies have their insurance adjusters, it is crucial to hire one if you have a significant claim. Your insurance adjuster will take over the claiming process and ensure the claiming process goes smoothly until you are settled.

Act quickly

In case of an accident like fire, your speed matters a lot. Save what you can save, such as important documents and valuable items. If there are repairs to be done, call your contractor and make sure to notify your insurer. Sometimes your insurance company in Memphis, TN may require to assess the damage themselves; in this case, don’t touch anything.

Remember to be honest and offer complete details when filing your home insurance claim. If you still have more questions, feel free to write to us at Tackett Insurance, Inc., and our experts will get back to you.

Are weather events covered by home insurance?

No matter where you live in this country, weather events will be a part of your life. Snow and ice in the north, heat, and wind in the south and mudslides in the west. Weather can cause a lot of damage to your house and if you are to have peace of mind, you must know that you have insurance coverage to protect it. If you live in Oxford, MS you have Tackett Insurance Inc. to offer you advice and to make sure that your home is protected today and into the future.  

One weather event that is almost never covered by traditional home insurance is flooding. In order to have flood coverage, you need to have flood insurance which is a separate policy. Hurricanes are also a weather event that is not covered by every home policy. If you live in an area that is prone to hurricanes, be sure that you talk to your insurance agent and by all means, read your policy carefully so that you understand what is and isn’t covered and what your deductible is. 

In the case of mudslides, they also are not covered as they are considered land movement like an earthquake and earthquakes are not covered. You can, however, get a DIC (difference in conditions) policy that will cover mudslides if they are a risk you face. 

Weather events that are covered are high winds, rain, hail, snow, ice, and sleet. 

Making sure that your home is safe from weather events that are just waiting to cause damage is vital. If you live in the Oxford, MS area why not stop by or give the office of Tackett Insurance Inc, give us a call, or visit our website.  Our experienced staff will be happy to answer your questions and provide a no-obligation quote. 

How To Protect Your Home From Theft This Holiday Season

Packages are left at the front door. Time is spent away from home at parties. Hundreds of dollars worth of gifts are stored in the home. Food to make, gifts to wrap, events to plan, so many things that leave you distracted and off guard. All of these things combined create the perfect environment for thieves during the holidays. Even if you live in a safe neighborhood in Oxford, MS, you’re not free from risk. At Tackett Insurance, Inc., we know that thieves are thieves, and they don’t care what neighborhood they’re in. Taking a few precautions can go a long way in protecting your home and your possessions.

Inside Your Home

  • Always lock your doors and windows

  • Leave porch lights as well as some inside lights on if you are going to be away from home

  • Don’t set your Christmas lights to go on and off at the same time each day

  • If you’re traveling for more than a day, have the post office hold your mail

  • Don’t leave your gifts out in the open, and especially not in front of a window

You don’t want thieves to enter your home, but you also don’t want them to steal things without actually going into your home either. Unfortunately, package theft is a big problem, especially during the holidays. Make sure you protect the outside of your home as well.

Outside Your Home

  • Require a signature for all packages or schedule delivery for when you will be home

  • If possible, have your packages delivered to your work or have a neighbor pick them up for you

  • Keep your bushes around your home trimmed and don’t clutter your yard or porch with too many decorations. Overgrown bushes or large decorations provide the perfect place for thieves to hide.

  • Invest in a video doorbell so you can stop a package thief right in their tracks

When someone takes advantage of you by stealing, you can feel violated and not even know what to do next. If you do find yourself in this situation and you live near Oxford, MS, Tackett Insurance, Inc. is here to help you out.

When Can You Claim Your Home Insurance

It’s crucial to insure your home against various uncertainties that may happen at any time. Natural disasters are prone to occur, and you may find yourself homeless if you lack a homeowners’ insurance policy in Oxford, MS.

Typically, you pay for the homeowners’ insurance to protect yourself against incurring significant financial losses when something happens to your home. Tackett Insurance, Inc. is here to help you and safeguard your property. However, the biggest challenge that exists among homeowners is knowing when to claim their homeowners’ insurance and when not to claim. Read on to find out.

When to File a Claim

You should file a claim for your homeowners’ insurance if something happens and the cost of replacing or repairing it is above your deductible amount. Let’s say that you have a $250,000 deductible. A tornado occurs and the roof of your house caves in. You discover that the cost of replacing your roof is $300,000. In this case, you should file a claim even if you can afford the $300,000 since your homeowners’ insurance policy covers your house’s structure.

You should also file a claim if something valuable is stolen from your home that can cost you a lot of money to replace. For example, when you lose $100,000 worth of silver, you’d be better off filing a claim than replacing the property from your own pocket.

Homeowners should also file their insurance claim if a third party files a liability claim against you; maybe for property damage or in case of a slip and fall case.

Information is Your Best Protection

Although it’s the insurer’s job to compensate you, it’s your responsibility to prove losses. The more information you can provide, the higher your chances of being compensated. Be sure to keep all the records and record your version of the occurrence. Take photos if possible and make sure that you obtain a police report.

Are you a homeowner in Oxford, MS? Contact Tackett Insurance, Inc. today for your homeowners’ insurance policy.