Lawson Insurance Services

We are a small, independent agency helping businesses and individuals shop all types of insurance including Home, Auto, Renters, Flood and Umbrella Insurance throughout Middle Tennessee.

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Good old fashioned customer service in the digital age

Insurance in Sumner County and throughout Middle Tennessee.

Smarter insurance starts with experts who think a little differently — a company which understands your industry and what’s on the line for you. At Lawson Insurance Services, we pride ourselves on providing the best possible coverages at the lowest available price for our customers.

We believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice and personal attention from a trusted partner. As your insurance advisor, we help you make smart decisions – protecting you from the unexpected and planning for the predictable.

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Personal Insurance

Insurance tailored to fit your life.

Business Insurance

Comprehensive coverage for your business.

Employee Benefits

Attract, retain and protect your team.

Renters

Personal Property

Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles and other valuables should likely be insured separately.

Limits and Exclusions

Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles and collectible cards or coins may have limited coverage or may not be covered.

Solution

Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.

Additional Living Expense

Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses – such as moving costs, increased food costs and other expenses.

Liability

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses

Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments

Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home

Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premise theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability

Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Explore Clickable Coverage

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Areas of Specialization

Home Insurance

Coverage that protects your biggest asset.

Auto Insurance

Protecting you on the road.

Renters Insurance

Get the protection you need for your rental property.

Flood Insurance

Protect your assets in the event of a disaster.

Umbrella Insurance

An extra layer of protection when you need it.

And More!

Don’t see a specialty you’re looking for? Reach out to us today!