Gibson-Humboldt Farm Bureau

08/26/2026

Last week, we talked about Dwelling coverage—but what about the structures on your property that aren't attached to your home?

That's where Other Structures comes in!

Other Structures refers to the amount of coverage you have for structures on your property that are separate from your home. This may include things like a detached garage, storage shed, fence, or gazebo.

So, when you're looking at your homeowners policy:

🏠 Dwelling = Your home and attached structures
🔨 Other Structures = Structures separate from your home

As always, coverage is subject to the specific terms, conditions, and limits of your policy.

Have questions about what the numbers on your homeowners policy mean? Give our office a call—we'd be happy to help!

08/25/2026

Dealing with major damage to your home or property can be extremely stressful. Here are some tips to help you file a Farm Bureau Insurance claim with ease if the need comes up.

The Farm Bureau Insurance blog is a great place to learn about our insurance, get great advice, and keep up to date on what's going on in the Tennessee community.

08/24/2026

Saturdays in Neyland are right around the corner! Whether you’re tailgating on the river or watching from home, make sure you never miss a kickoff.
Drop by your local Farm Bureau County Office to pick up a free 2026 Vols football schedule and start planning your game days.
Find a location near you: www.fbhp.com/locations
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08/21/2026

Saturdays in Neyland are right around the corner! Whether you’re tailgating on the river or watching from home, make sure you never miss a kickoff.

Drop by your local Farm Bureau County Office to pick up a free 2026 Vols football schedule and start planning your game days.

Find a location near you: www.fbhp.com/locations

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08/19/2026

Have you ever looked at your homeowners policy and wondered what the number beside “Dwelling” actually means?

Your dwelling coverage is the amount of coverage you have on the structure of your home in the event of a covered loss. This can include the main structure of your home as well as features that are permanently attached to it.

It's important to remember that your dwelling coverage isn't necessarily based on your home's market value. Instead, it is intended to help cover the cost of repairing or rebuilding your home following a covered loss, subject to the terms and limits of your policy.

Not sure what the numbers on your homeowners policy mean? Give our office a call—we'd be happy to help you better understand your coverage!

💬 What insurance term should we break down next? Let us know in the comments!

08/17/2026

Moving into a new apartment? Don't assume your landlord's insurance covers your belongings.
Your furniture, electronics, clothing, and other personal items may need their own protection, so check with your local Farm Bureau Insurance agent today to make sure you have the right coverage.

08/14/2026

Marriage is one of life's biggest milestones, and it’s also a great time to review your financial future together.

Whether you're saving for a home, paying off debt, or planning for what's next, life insurance can help protect the future you're building with the person you love.
Talk with your local Farm Bureau Insurance agent to learn more about which life insurance policy is right for you. ❤️💍

08/12/2026

Insurance terms can sometimes feel confusing, so we're breaking them down one term at a time!

This week's term is Replacement Cost.

Replacement cost is based on what it would cost today to repair or replace damaged property with something similar—not necessarily what you originally paid for it.

For example, if part of your home is damaged by a covered loss, the cost of materials and labor today may be very different from what they were when your home was originally built. Replacement cost helps account for the current cost of repairing or replacing the damaged property, subject to the terms and limits of your policy.

Have questions about your homeowners coverage? Give our office a call—we'd be happy to help!

💬 What insurance term should we break down next? Let us know in the comments!