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Make Sure You Are Properly Insured for Summer Fun

The summer months are filled with fun activities with friends and family enjoying the warmer weather. Whether you are planning on taking a road trip or simply relaxing outside by the swimming pool, having the best insurance coverage can give you the peace of mind to truly appreciate the summer season. Elite Insurance would like to tell you more about what you need to be properly insured for all of your summer activities by sharing with you some information from the National Association of Insurance Commissioners.

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SWIMMING POOLS

Having a swimming pool on your property greatly increases your insurance risk because you have a bigger chance of being sued or having to pay for someone’s medical expenses. According to the U.S. Consumer Product Safety Commission, approximately 400 children under the age of 15 drown every year in a swimming pool. This startling statistic is why regular homeowner’s insurance may not provide enough coverage for a pool and why some home insurance policies even exclude pools. If you own a home with a swimming pool, Elite Insurance Solutions can boost your liability coverage with an umbrella policy that will extend this type of coverage beyond what you have on other policies. We also strongly recommend that you review all of the local codes and standards before you install a swimming pool in your backyard to be sure you are following all of the safety requirements, such as fences and locks.

BOATS

Before taking your boat out this summer, you need to be sure you have the right boating insurance policy. You will need liability coverage to cover any injuries that occur on your boat as well as property damage to your boat. Your personal property coverage of your homeowner’s insurance policy may cover a small boat for $1,500 or less in physical damage, but your liability coverage is limited. If you have a jet ski or other personal watercraft, you will most likely need a separate policy to cover it. Our agents at Elite Insurance Solutions can find an insurer that specializes in boating insurance.

TRAVELING

Typically, your homeowner’s insurance policy will protect you when you travel. If you have off-premises’ coverage, your personal belongings are covered anywhere in the world. If you are staying in a hotel and your belongings are stolen, the exact coverage will depend on your policy. Certain high-priced items like jewelry and fur will have limited coverage, so if you are traveling with these types of belongings, you may want to look into an additional policy to cover these things.

Need to boost your insurance coverage this summer? Contact Elite Insurance Solutions to speak to our agents about being properly insured for all of your summer activities.

Historic Franklin

Elite Insurance is proud to serve the entire state of Tennessee for many reasons. One of these reasons is the many special communities throughout the state. Franklin is a favorite town of ours because we love spending time in its historical downtown area. Preserved by two groups, the Downtown Franklin Association and the Heritage Foundation of Franklin & Williamson County, downtown Franklin offers specialty shops, restaurants, and art galleries in historical homes and buildings, along with festivals and special events. We would like to tell you more about historic Franklin.

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THE FRANKLIN THEATER

One of the historical treasures located on the square in downtown Franklin, the Franklin Theater opened in the summer of 1937 and showed movies for the next 70 years. Unfortunately, the trend of the blockbuster movie palaces forced this theater to close in 2007; however, the Heritage Foundation of Franklin & Williamson County bought this historic landmark and invested more than eight million dollars in its renovation. You can still see movies at this site, but now you can also enjoy live music in this entertainment venue with a state-of-the-art lighting and sound system.

CARNTON PLANTATION

Located not far from the downtown square, Carnton Plantation is rich with Civil War-era history. Built in 1826 by former Nashville mayor Randal McGavock, Carnton Plantation served as a hospital for Confederate soldiers after the devastating Battle of Franklin. The McGavock family also set aside almost two acres of land on their property for the burial of the dead Confederate soldiers. To show that humanity can still exist during times of war, Carnton Plantation was opened to the public in the late 1970’s and offers guided tours of the property every day.

LOTZ HOUSE

A Civil War historical landmark found right off of the square, the Lotz House was at the center of the Battle of Franklin and now hosts a museum of this war between the states. Featuring its original furnishings that The Magazine Antiques named “the finest privately owned collection of American antiques in the Southeast,” the Lotz House also showcases the handcrafted woodworking of its original owner, Johann Lotz, paintings from Matilda Lotz, and artifacts that have been found in the home’s yard, which served as a battlefield. Another Civil War-era home nearby, the Carter House is also a museum dedicated to the bloody Battle of Franklin.

GRAY’S ON MAIN

Housed in a Victorian building built around 1876, Gray’s on Main opened in 2013 after the restoration of the former landmark pharmacy, the Gray Drug Co. One of several restaurants found in downtown Franklin, Gray’s on Main offers three stories of dining and entertainment. On the first floor, you can dine on dishes featuring locally and regionally sourced ingredients. You can catch live music acts and drink handcrafted epicurean cocktails at the bar on its second floor. The top floor hosts a supper club exclusively for members in its SOCIETY.

Want to know more about historic Franklin? Contact Elite Insurance Solutions to find out our favorite places in this community.