District Lines Cause Homeowner’s Insurance To Triple - NewsChannel5.com | Nashville News, Weather & Sports

District Lines Cause Homeowner’s Insurance To Triple

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MURFREESBORO, Tenn. -- Imagine getting your homeowner's insurance... only to see the amount has tripled. That's what one mid-state residence said happened all based on a technicality.

This is a situation that could potentially affect dozens of homes.

At least two Rutherford County streets sit right near a Murfreesboro fire station, but it's not enough to keep an insurance company from raising homeowner's rates for lacking coverage.

"The insurance company wants you to be within five miles of your residence, and a thousand foot of a hydrant," said Rutherford County Fire Chief Larry Farley.

Dave Owens learned this the hard way when his homeowner's insurance jumped from $779 to $2,110, all because of where his home is located in Rutherford County.

"There's a fire department right around the corner and they answer calls on this street actually," said Owens.

Though he's less than half a mile from a Murfreesboro fire station, it's not the one zoned for his house, which is approximately 5.5 miles away.

"I thought it was a mistake, and I said surely it hasn't done this to us and sure enough the insurance company confirmed," said Owens.

It's not a mistake, but a problem he'll have to fix nonetheless.

"His only alternative I see is for the city to annex those two roads in the city and that would benefit him," said Farley.

Dave Owens says he is looking into the process of getting his home annexed by the City of Murfreesboro.

It could mean more taxes, but he says it'll be worth the savings.

The Rutherford County Fire Chief says though the county would get the 911 call for the Owens and his neighbors, Murfreesboro Fire Department would be called for mutual aid.

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