Usually not unless you add it. Many standard homeowners policies exclude sinkhole damage, but sinkhole coverage is generally available as an option in Tennessee.
Much of East and Middle Tennessee sits on limestone karst, where sinkholes can form as rock dissolves underground. Damage often shows up as cracking foundations, sloping floors, or a depression in the yard.
If you live in an area with known sinkholes, ask us whether your policy includes sinkhole coverage and what it would cost to add it. Carriers may ask for an inspection first.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
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