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Proud Member Of Home Builders Association Of Tennessee
A new subdivision and a renovation in an occupied home need different details. Review your Tennessee projects alongside the crews, vehicles, and tools that move between them.
A statewide connection to Tennessee housing
The Home Builders Association of Tennessee advocates for its members and housing affordability and availability through legislation, education, and communication. Its website offers statewide resources and information for the homebuilding community.
The Southern Agency carries forward its listed HBAT membership. This statewide relationship is distinct from the Greater Chattanooga listing, and a coverage conversation should reflect where each business works within Tennessee or beyond it.
Insurance considerations
New work or an existing home
Describe any structural changes and whether the homeowner will remain in the building. Existing property and new construction materials need to be identified before a renovation begins.
Weather and construction dates
Schedules can change after severe weather or supply delays. Review wind and water terms, unfinished structures, and the process for requesting a project extension.
Work across state lines
A Tennessee business may take jobs elsewhere. Identify crew locations, vehicles, and subcontractors before work starts so the insurance review accounts for each jurisdiction.
Industries
These guides separate new-home building, renovation, and general contracting. Use the closest match to prepare details about your Tennessee operation.
- Single-Family Home BuilderFor Tennessee builders reviewing new homes, changing construction values, and the treatment of homes awaiting a buyer after completion.
- Residential RemodelerFor additions and renovation work in Tennessee homes, where existing structures and the homeowner’s continued occupancy need attention.
- General ContractorFor contractors scheduling several trades, reviewing subcontractor insurance, and managing agreements on Tennessee jobs or work beyond the state.
Policy types
A state association listing is not evidence of an insurance product. Review these policy subjects against the work, contracts, and locations of your own building business.
- Builders Risk InsuranceBring Tennessee project addresses, construction values, and schedules, and explain any existing structures or occupancy during the work.
- General Liability InsuranceReview residential operations, subcontracted trades, and completed work alongside the insurance provisions in your building contracts.
- Workers Compensation InsuranceShare payroll by trade and crew locations, and discuss Tennessee requirements plus any work your employees perform outside the state.
- Business Auto InsuranceList work trucks, drivers, and trips between projects, including employee-owned vehicles used for errands or visits to suppliers.
- Inland Marine InsuranceIdentify tools and mobile equipment used across Tennessee jobsites and materials stored away from the address listed on a project policy.
Questions members ask
Does a homeowner’s policy cover our renovation project?
Do not rely on that assumption. The homeowner and contractor should each discuss the planned work with their own agent, including occupancy, existing property, materials, and responsibility for damage.
What if our Tennessee crew takes a job in another state?
Tell your agent before work begins. Share the project location, employee duties, vehicle use, and contract requirements so state-specific obligations and policy terms can be reviewed.
Where should I ask about HBAT membership services?
Use the official HBAT website for its current resources and membership information. This page provides educational insurance guidance and does not enroll a business in an HBAT program.
