Can Homeowners Insurance Be Reinstated? (Tennessee)

Oftentimes homeowners will let their policies lapse either by accident or due to unforeseen financial challenges. Now when this happens, a common question we hear is whether or not a home insurance policy can be reinstated. Now, in most cases when a home insurance policy lapses, it's because a payment was missed. Speaking, bringing your account up to date and paying overdue fees will reinstate the policy. However, if your home insurance policy has lapsed or has been inactive for some time, then your insurance carrier may cancel it and negate all coverage. But most carriers will be happy to reinstate it. Now, before your policy, it's best to check in with an insurance agent you trust to ensure that the details of your policy reflect the best pricing currently available. By doing a little extra digging, you may actually find that you can get a discount or an even better rate on your policy. So if your coverage has lapsed for an extended period of time, check in with your agent first.

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