Attention Tennesseans: Esurance Homeowners Insurance Has Arrived in the Volunteer State

Click on the infographic to expand. 5 fun facts about Tennessee.

Homeowners insurance your way

Your home is more than your largest investment — it’s your pride and joy, your dream. And a sound homeowners insurance policy from Esurance can help you protect what matters most. Here are just a few of the benefits of Tennessee homeowners insurance from Esurance:

Protection for what matters most

Homeowners insurance from Esurance can help protect your home from fire, wind, hail, vandalism, and more. If the unexpected occurs, we’ll help repair or rebuild your home, porch, deck, and other attached structures, restoring them to their good-as-new condition. Insuring your home also means protecting everything inside it. With an Esurance homeowners policy, your stuff (furniture, electronics, appliances, clothes) is covered.*

Payment options

Your homeowners policy comes with a 12-month policy term, which you can choose to pay for monthly or in full. If you do pay in full or through your escrow account, you’ll save big (it’s our way of saying thanks for paying up front).

Additional living expense coverage

If a fire (or another covered incident) damages your home and you need somewhere to stay, we’ll help cover your hotel bill, food costs, and other reasonable extra expenses for up to 12 months. The foregoing are only meant to be general descriptions of certain coverages and options. Specific coverages and options available to you will depend on your coverage selections and the terms of your individual policy.

Volunteer State savings

Saving money is smart. Here are a few discounts Tennessee homeowners could qualify for:

Welcome Home discount

Just by choosing Esurance, you qualify for this discount. It’ll be applied during the first 2 years of your policy.

DIY Inspection™ discount

Send us a copy of an official appraisal or inspection report done within the last 12 months and we’ll knock $50 off your premium, just like that.

Loyal Customer discount

Renew your policy with us for at least one term and you’ll qualify for this discount. It’s just our way of saying thanks for being true-blue.

Claim-free discount

This discount will be effective the moment you buy your policy if you haven’t filed a claim within the past year!

Bundle your home and car insurance to save even more

Insure your home and your car with Esurance and we’ll give you a Multi-Policy discount. Plus, you’ll save time and hassle by managing all your policies in one place. The foregoing is a general description of discounts that may be available to you. Actual eligibility for any such discounts will depend on your individual facts and circumstances.

Coverage around the country

Don’t live in Tennessee? Don’t worry, Esurance offers homeowners coverage in many states around the country. Find out if Esurance homeowners is available in your state and see how much you could save. And if you haven’t taken the leap to homeowner status yet, Esurance also offers renters coverage and, of course, auto insurance. *On some categories of personal property, Esurance will pay a set limit. Some exclusions and limits may also apply.

Esurance Homeowners Insurance Is Available in the Land of Enchantment

Click on the infographic to expand.

5 fun facts about New Mexico infographic.

Safeguard your home, your family, and your finances

Your home is more than your largest investment — it’s your castle, your pride, and your dream. And sound New Mexico homeowners insurance from Esurance can help you protect what matters most.

And that’s why our package of standard coverages offers extensive protection for your home, your stuff, and your personal liability.

Protection for what matters most

Dwelling protection

If fire, wind, hail, vandalism, or another covered incident damages your home, your homeowners policy can help you repair or rebuild it. Simple as that.

Other structures protection

Your homeowners policy doesn’t just protect your home. It also extends coverage to structures unattached to your home — like a gazebo, shed, fence, or stand-alone garage.

Personal property protection

Insuring your home also means protecting everything inside it. With an Esurance homeowners policy, your stuff (furniture, electronics, appliances, clothes) is covered.*

Additional living expense coverage

If a fire (or other covered incident) damages your home and you need somewhere to stay, we’ll help cover your hotel bill, food costs, and other reasonable extra expenses for up to 12 months.

Family liability protection

If you (or a family member living with you) accidentally cause property damage or injure someone, your liability costs could be covered — think legal fees, medical bills, and settlement amount.

Guest medical protection

If a guest is injured while on your property, homeowners insurance can help pay for their medical expenses, whether or not you were responsible for the injury.

And since there’s no deductible, you won’t have to pay a dime of your money to use this coverage.

Water backup coverage

If a clogged drain or a broken sump pump damages your home, we’ll cover up to $5,000 automatically. But, if you want more coverage, you can increase your limit up to $25,000.

Fire department charges coverage

Believe it or not, many fire departments charge fees for responding to a call. With Esurance homeowners insurance on your side, you’ll automatically have $500 to cover those charges. And, if you want more, you can get as much as $5,500 in coverage.

The foregoing are only meant to be general descriptions of certain coverages and options. Specific coverages and options available to you will depend on your coverage selections and the terms of your individual policy.

Coverage around the country

Not a New Mexico resident? Don’t worry, Esurance offers homeowners coverage in many states around the country. Find out if Esurance homeowners is available in your state and see how much you could save.

And if you’re not a homeowner, Esurance also offers renters coverage and auto insurance.

*On some categories of personal property, Esurance will pay a set limit. Some exclusions and limits may also apply.

7 Iconic Clock Towers Worth Making Time For

Let’s take a moment to appreciate the clock tower. On city streets and town squares across America, these noble sentinels ring out the time of day and help keep us from missing trains or being late for job interviews. Though every tower has its own history and purpose, some (ahem) rise above the rest. Here are 7 of the most venerable, famous, and unusual clock towers in the country.

7 Iconic Clock Towers Worth Making Time For

Independence hall clock tower.

1. Independence Hall, Philadelphia, PA

Two of the most important documents in United States History — the Declaration of Independence and the U.S. Constitution — were signed beneath the elegant clock tower of this celebrated building. In colonial times, the hall was known as the Pennsylvania State House, and the clock tower once housed the State House bell, now famously called the Liberty Bell.

The bell got its name from the inscription that wraps around its crown: “Proclaim Liberty Throughout All the Land Unto All the Inhabitants thereof.” Inspired by the message of universal freedom, abolitionists began to refer to the bell as the “Liberty Bell.” In 1835, an abolitionist newspaper used the new name in print and it’s stuck ever since.

How the bell got its crack is less clear. Though colorful stories abound, the most likely explanation is that it developed a thin crack after several decades of regular use. That narrow gap was actually widened in 1846 in an effort to repair the bell, but when another long, hairline crack developed, the bell was retired.

Wrigley building alongside two flags.

2. Wrigley Building, Chicago, IL

Known as the “Jewel of the Magnificent Mile,” the ornate, Spanish baroque-style building at the intersection of Michigan Avenue and the Chicago River was home to the William Wrigley chewing gum company for almost 100 years. The clock tower was inspired by La Giralda, a minaret attached to Seville Cathedral in Spain. The 11-story tower rises to 398 feet above the pavement. Each clock face is over 19 feet wide and the minute hands are over 9 feet long.

The San Francisco Ferry Building clock tower at sunset.

3. Ferry Building Clock, San Francisco, CA

Gracing the waterfront just a few blocks from the Esurance headquarters in San Francisco, this tower is one of the city’s most recognizable landmarks. Constructed in 1898, the Ferry Building was a bustling transportation hub for decades. A ferry ride was the only way to reach the city from across the bay until the Bay Bridge opened in 1936. When traffic moved to the bridges, the Ferry Building fell into decades of neglect, hidden by a double-decker freeway built along the waterfront in the ‘50s.

In 1989, the Loma Prieta earthquake damaged the freeway (and stopped the Ferry Building clock at 5:04 pm, the time of the quake). The freeway was torn down and the Ferry Building’s beauty was rediscovered. This iconic clock tower now stands above an upscale food marketplace and 3 weekly farmer’s markets. This year, in honor of the Panama-Pacific International Exposition’s centennial, the clock tower was adorned with 11-foot-tall, illuminated numerals reading “1915,” just as it was a century ago.

Sather Tower in Berekely, California.

4. Sather Tower (Campanile), Berkeley, CA

Modeled after the famed Campanile tower in Venice, Italy, this tower is another prominent Bay Area landmark, easily visible from across the Bay. Rising 307 feet above the University of California campus, it’s the world’s third tallest bell and clock tower. Interestingly, the tower also holds approximately 20 tons of ancient fossils, most of them excavated from the La Brea tar pits in Los Angeles. The fossils were stored there in 1913, when the tower was under construction, because the site was convenient to the paleontology department in nearby Beacon Hall. Students still come to the Campanile to study them.

A close up of the Allen Bradley clock tower.

5. Allen-Bradley Clock Tower, Milwaukee, WI

The most famous 4-faced clock in the world is unquestionably the Great Clock in Elizabeth Tower at London’s Palace of Westminster. (Though this clock is commonly known as “Big Ben,” the name originally referred to the clock’s largest bell, not the clock or tower itself.) But London’s iconic timepiece pales in comparison to the huge Allen Bradley Clock Tower at the Rockwell Automation facility in Milwaukee. Each of its faces measures over 40 feet across, compared to the Westminster clock’s 23 feet. For almost 50 years, the Allen Bradley clock was the largest 4-sided clock in the world until the Mecca Royal Clock Hotel Tower in Saudi Arabia overshadowed it in 2010.

The St. Michaels church clock tower.

6. St. Michael’s Church, Charleston, SC

Dating from 1761, this historic church steeple is North America’s oldest clock tower. The bells, added in 1764, have chimed to announce church services, the time of day, and other events large and small for over 250 years. The tower’s survival through fires, hurricanes, earthquakes, and wars is remarkable. Not only was it a target for enemy guns during the Revolutionary and Civil Wars, but the 186-foot-tall steeple also sank 8 inches following an 1886 earthquake.

The bells themselves have their own colorful history — they were captured by British troops in 1782, burned by General Sherman’s army while stashed away in Columbia during the Civil War, and damaged by Hurricane Hugo in 1989. Twice, the bells have crossed the Atlantic to be recast at their original foundry in England.

The St. Louis Cathedral clock tower.

7. St. Louis Cathedral, New Orleans, LA

It’s only fitting that one of the most haunted cities in America would be home to a seriously haunted clock tower. Located in the heart of the French Quarter, the triple-spired St. Louis Cathedral is the oldest active Catholic cathedral in the U.S. It was completed in 1794 and the central bell tower was added in 1819.

The tower was designed by architect Benjamin Latrobe, who unfortunately died of yellow fever before the tower was completed. Shortly after his death, workers reported strange sounds in the tower and buckets and ladders moving on their own. Other visitors claim that a man innineteenth-century dress sometimes appears in the cathedral nave when the clock bell is chiming. He holds a pocket watch as if timing the bell and vanishes when the pealing stops. Some believe it’s the ghost of New Orleans clockmaker Jean Delachaux, coming back to check in on the clock and bells that he placed in the tower’s façade.

9 Awesome “Oh-No-Summer’s-Almost-Over” Vacation Ideas

We’ve reached that point of summer where you suddenly realize fall is right around the corner. If you also suddenly realize you totally forgot to make vacation plans, not to worry — we’ve got ideas for making the most of these last, lazy summer days, no matter what your favorite activity is.

9 Great “Get Out and Enjoy the Last of Summer” Vacation Ideas

If you like to kayak:

San Juan Islands, Washington

This archipelago off the northwestern corner of Washington state is made up of 176 named islands and hundreds other islets, reefs, and pinnacles. Thickly forested and thinly populated but for a few quaint towns, the San Juans are surrounded by cold tidal waters that teem with marine life, including orcas, otters, porpoises, and humpback whales. Eleven of the islands are designated as state marine parks, accessible only by kayak or boat.

Kayakers can choose an easy paddle along the rocky shores of one of the main islands, or take a 3- to 5-day guided excursion and camp out on a remote, uninhabited island. May through September offers the best chance to see orcas.

Cumberland Island, Georgia

For something a bit warmer but just as remote, head to Cumberland, the largest of Georgia’s barrier islands and one of its most unspoiled. Kayakers can explore a maze of tidal marshes and paddle beneath a vast maritime forest of palmetto plants and live oaks draped in Spanish moss. Keep your eyes open for sea turtles, dolphins, wild horses, and armadillos.

The only way to reach Cumberland Island is by ferry, private boat, or kayak. No kayaks are allowed on the ferry, but you can paddle over from Amelia Island or Crooked River State Park (since the tides can be strong and the weather unpredictable, it’s a good idea to arrange a guided tour).

If you like to bike:

Peak to Peak Highway, Front Range, Colorado

For experienced riders who like a challenge, the 55-mile Peak to Peak Highway between Estes Park and Black Hawk offers a combination of hills and elevation (an average of 9,000 feet) that’ll put your legs and lungs to the test. Your reward: epic views of jagged peaks, alpine meadows, and crystal-blue lakes. And if you want to stretch your definition of “summer vacation,” the aspen trees turn golden in mid-to-late September.

Slickrock Trail, Moab, Utah

Located in the Sand Flats Recreation Area near the adventure capital of Moab, this most quintessential of mountain bike trails climbs and dips like a roller coaster over hills of rugged sandstone. But don’t let the name “Slickrock” intimidate you — the surface of the rock is actually fairly coarse. Nonetheless, the trail can get technical and is best for intermediate to experienced riders. You might consider doing the (still challenging) 1.7 mile Practice Loop first before tackling the full 10.5 mile loop.  Expect the ride to take 3 to 4 hours — including stops to gape at the spectacular desert scenery — and be sure to bring plenty of water.

Great Allegheny Passage Trail and Chesapeake & Ohio Canal Towpath, Pittsburgh, PA, to Washington, DC

Looking for a family-friendly ride on a car-free trail? This route stretches for 335 scenic miles from Pittsburgh to Washington, DC. The Allegheny Passage Trail is built atop the routes of former railroads, following the banks of the Monongahela and Youghiogheny Rivers and crossing the Eastern Continental Divide. Though it passes through mountain landscapes, the average grade of the trail is less than one percent. The Chesapeake & Ohio Canal Towpath follows the Potomac River from Cumberland, MD, to the Georgetown district of DC and offers plenty of history along with beautiful river views.

If you like to hike:

Appalachian Trail, various eastern states

Every year, some 1,800 “through hikers” attempt to complete the trek along this famous trail that stretches 2,180 miles from Maine to Georgia. Many other “section hikers” choose to do a portion of the trail, overnighting at the various campsites and shelters along the way. (The movie version of travel writer Bill Bryson’s Appalachian Trail hike, A Walk in the Woods, is scheduled for release this September.) Both types of excursion require advance planning and, ideally, some training. But fear not — you can still experience the beauty, ruggedness, and serenity of this trail on a day hike. This link offers short hikes of varying degrees of difficulty in all 14 states that feature the trail.

Point Reyes National Seashore, West Marin County, California

Covering 100 square miles along the rugged Northern California coast, this pristine peninsula was almost turned into a tourist development in the 1960s. Fortunately, conservationists stepped in and it was declared a National Seashore in 1962. The park features nearly 150 miles of hiking trails, from the 0.6-mile Earthquake Trail, which shares the geological history of the 1906 earthquake that leveled nearby San Francisco, to the 9.5 mile Tomales Point Trail, which passes alongside dramatic ocean cliffs and through a Tule Elk Reserve to the very tip of the Tomales Peninsula. Want a trail that follows a tidal lagoon filled with shorebirds? You’ve got it. One that ends at a deserted beach? It’s here. How about a densely wooded trail straight out of a Tolkien novel? Take your pick. Hike-in, bike-in, and kayak-in campsites are available if you want to stay the night (reservations strongly recommended).

If you like thrills:

Zip-lining might be the most exciting way around to get from point A to point B (unless you’re very afraid of heights, in which case it may be a little too exciting). The first zip line in the U.S. opened in 2002 on Maui’s Haleakala Crater. Since then, dozens have cropped up across the country. It’s a great way to get an adrenaline rush and enjoy nature at the same time. And because zip lines are powered by gravity, they’re eco-friendly too. Here are 2 of the most exceptional options.

Skyrider Zipline Tour, Hunter Mountain, NY

If thrill rides never last long enough for you, you’ll be glad to know that this is the longest zip line in the country, with over 4 miles of cable. (And one of the courses is 3,600 feet long.) It’s also the highest course in North America, with 600 feet between you and the valley floor.

The Gorge Canopy Adventure, Saluda, North Carolina

Got a need for speed? Take the plunge on what may be the world’s steepest zipline, with a drop of 1,100 vertical feet. If you can stop whooping long enough to look around, you’ll enjoy spectacular scenery — mile after mile of old-growth forest and the dramatic Green River Gorge itself.

These ideas are just a beginning. Maybe you’d prefer a weekend of camping or a road trip to see America’s wackiest roadside attrractions. Or maybe you’d rather save your vacation days for one of these phenomenal fall activities. But whatever type of getaway you choose, make sure your roadside emergency kit is stocked and your car insurance is up to date before you hit the highway.

Bowwow Powwow: What You’re Getting Wrong about Pet Insurance

According to the Humane Society, over 60 percent of U.S. households have a pet. Yet even though our furry friends are everywhere, pet insurance is another story. Only one percent of America’s pets are covered. Compare that with roughly 25 percent in the U.K. and nearly 50 percent in Sweden, and you can’t help but ponder … what gives?

Now, I’m just a simple human man, lacking the expertise to tackle this humdinger. But, as chance would have it, I’m a human man who owns a pet. And so, brimming with energy, I recently approached my dog, Lucille, about a one-on-one interview separating pet insurance facts from myths. After a brief 14-hour napping delay, she granted me a spot on the goose down comforter of what would prove a hotbed of insight.

Lucille, thanks again for agreeing to lie down for this. Good Doggie!

Listen, old man. Don’t get too comfy. You’ve got 15 minutes before I’m due at the window for some pretty intense staring.

Well, I don’t want to keep you, so let me start by asking: What are people missing when it comes to pet insurance? 

I’ve read the “expert” accounts from humans on why you need pet insurance. They all miss the most important point.

Which is?

Forget that junk about unconditional love or companionship. Puhleeze! A pet’s real objective in life — and I’m risking my sweet hide giving up this insider secret — is costing their owners money when they least expect it. I mean, we’re unpredictable! Why just last week, I tried to eat an entire sock whole. Not even soaked in chicken broth. Pets are always a whisker away from harm (and from sticking you poor saps with the bill).

Then why do most pet owners pass on insurance? Is it hard to find or too expensive? 

Balderdash! There’s been a tenfold boom in pet insurers during the last decade. And plans can often be as low as around 25 bucks a month. Now, my brain may only be the size of a 2-year-old child’s — thanks again for that self-esteem boost, Animal Planet — but even I know that’s better than paying the $4,000 or $5,000 that vet emergencies can cost.

That raises a good point, though. Many assume pet insurance only covers emergencies, not routine stuff, so they feel it’s not worth it.

Well, they’d be tickled as pink as my belly to learn a lot of routine care is included too. Depending on your insurer, basic plans can cover everything from ear infections to prescriptions to dental procedures. Hey, while we’re on the topic of my belly … [rolls onto side, smirking pompously] … don’t be shy now.

Ugh, fine. [2-minute pause while I scratch her belly.] So it sounds like, while there are exclusions, pet insurance covers more than people think.

You catch on quick. Coulda used you during the mirror fiasco of ‘09.

What about the notion that most health problems occur later in a pet’s life? Can owners forego insurance during those younger years?

Just like people, animals experience several new health concerns as they get older. But they’re also highly susceptible to certain illnesses and issues as youngsters. That can be just as crucial a time to have pet insurance. And many risks — like lunging into the street and getting hit by a car — have nothing to do with age. Again, we’re unpredictable. You want pet insurance when we’re healthy … before something goes wrong.

Which reminds me, could you cut back on chasing after motorcycles? I’m not saying quit cold turkey, but maybe limit it to the weekends?

I’ll pretend you never suggested that.

Fair enough. Now, what about vet flexibility? I think some hesitate on pet insurance because they don’t want to change vets or select from a network.

This is one of the grossest myths out there. And I’d gladly roll in garbage, so it takes a lot to gross me out. Fact is, most pet insurance can be used at any licensed vet’s office.   

Wow. Seems like pet insurance is affordable, applies just about anywhere, and kicks in for emergencies and non-emergencies. Anything else to add?

I have a blood feud going with the blender. For your own safety, steer clear of the kitchen at high noon tomorrow. Also, now that people have some solid pet insurance facts, they can easily shop for a reliable policy through Esurance.

Um, how did you know that?

Because this whole conversation is happening in your head, of course. I know what you know.

[Stunned silence]

Nah, just messing with you. I saw it on your laptop.

Phew. In that case, want to squeeze in a quick walk, girl?


Related links

How to condition your dog to love the car

5 must-have accessories for traveling pets

Debunking common car insurance myths