Condo insurance · Hermitage, TN
Condo Insurance for Hermitage Unit Owners
Whether your Hermitage condo is in an older community or a newer build, I’ll help you match your policy to your association’s coverage, budget and rules.
Dustin Rodgers and team
Serving Hermitage from our Mt. Juliet office
Your local agent
A condo policy starts with the HOA’s paperwork
Owning a condo in Hermitage means sharing a building, a roof and an insurance policy with your neighbors. The association’s master policy handles part of the risk, and your unit-owner policy handles the part that’s yours. In an older building, the association’s reserves and its history of special assessments matter as much as the policy itself. Let’s look at both, so a roof replacement or a large claim doesn’t catch you off guard.
Coverage
What Hermitage Condo Insurance Can Cover
Depending on the policy and the options you choose, a unit-owner policy can help with:
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Walls-in repairs
Can help rebuild the parts of your unit the association doesn’t insure, such as drywall, flooring, cabinets and fixtures, after a covered loss.
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Personal property
Can help replace your furniture, electronics, clothes and other belongings after covered perils like fire, theft or a burst pipe.
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Your liability
Can help if you’re held responsible for an injury in your unit or for water or fire damage that spreads to a neighbor’s unit, up to your limit.
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Special assessments
Loss assessment coverage may help with your share when the association bills owners after a covered loss to common property, within limits.
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A place to stay
If a covered loss forces you out while your unit is repaired, loss-of-use coverage can help with added living costs.
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Pets and valuables
Some policies help with pet-related liability, and jewelry or collectibles can be listed for broader protection where available.
Your needs depend on your association’s declaration, bylaws and master policy, which differ from one Hermitage community to the next. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What We’ll Look at Together
An older condo and a brand-new townhome can need different coverage. Here’s what I’ll ask about:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- What the master policy covers inside your unit, if anything
- The association’s reserve fund and any special assessments on the books
- The master-policy deductible and how it’s shared
- Renovations you’ve made, like new floors, a kitchen or a bathroom
- Whether you live there, lease it out or plan to
Around Hermitage
Owning a Condo in Hermitage
Hermitage is part of Metropolitan Nashville and Davidson County, not a separate city, so Metro’s rules apply to local codes and permits for Hermitage condos. If your building is older, bigger-ticket items like roofs, siding and plumbing may be coming due.
For many Tennessee condominiums, the association must give an owner or buyer certain information within ten business days of a written request. That includes the most recent budget, a statement of the amount set aside in reserves for repairs and replacements and whether a reserve study has been done, any current special assessment on the unit, and a statement of the association’s insurance coverage with limits and deductibles.
Those documents tell us a lot. A healthy reserve fund and a clear master policy mean fewer surprises, and a thin reserve fund is a good reason to look closely at your loss assessment limit.
Sources: Tenn. Code 66-27-502: condominium association must provide information · Tenn. Code 66-27-503: information the association provides, incl. insurance · Maryland Insurance Administration: condo insurance FAQs
Buying a Hermitage condo?
Ask for the budget, the reserve statement, any special assessments and the association’s insurance statement before you close. I’ll go through the insurance side with you, and you can share the rest with your real estate agent or attorney.
Areas we serve
Areas I Serve
I work with condo and townhome owners in Hermitage (37076), Old Hickory, Donelson, Mt. Juliet, Lebanon, Watertown and nearby Middle Tennessee communities.
Our office is on Providence Pkwy in Mt. Juliet, a few exits east of Hermitage on I-40, so it’s an easy stop on the way home or a quick call if that’s easier.
Not in Hermitage? I help with condo insurance in nearby towns too: condo insurance in Nashville and Lebanon condo insurance.
Why a local agent
Why Hermitage Condo Owners Work with Us
- We read the fine print: master policy, deductible and reserve questions, explained.
- Right down I-40: our Mt. Juliet office is a few exits east of Hermitage.
- Condo and auto together: one conversation covers both.
- Help when something goes wrong: my office can help you understand the next steps with a claim.
- A real local agent: you’ll work with Dustin and the same small team.
Reviews
What Hermitage Neighbors Say
Condo owners and longtime neighbors from Hermitage to Mt. Juliet have shared what it’s like to work with my office. Read their reviews on Google, or leave one of your own.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Hermitage Condo Insurance FAQs
Updated
Why does the association’s reserve fund matter for my insurance?
When reserves are thin, an association may turn to special assessments for big repairs or for its share of a claim. Insurance doesn’t pay for normal wear or planned replacements, but loss assessment coverage may help with your share of an assessment tied to a covered loss, within your limit.
What can I ask my Hermitage HOA for before I buy?
For many Tennessee condominiums, you can ask in writing for the budget, the reserve statement, any special assessment on the unit, the association’s insurance statement, recent meeting minutes and more. The association generally has ten business days to respond and may charge a reasonable fee.
My building is older. Does that change my condo policy?
It can. Older plumbing, electrical and roofs can affect what insurers offer and how claims are handled. It also matters what the master policy covers inside units, since older master policies are sometimes written differently. We’ll go through the details together.
What’s the difference between my policy and the HOA’s master policy?
The master policy usually covers the building’s structure and shared areas and the association’s liability. Your policy covers your interior, your belongings and your personal liability. Where exactly the line falls depends on your association’s documents.
Does a condo policy cover a leak that damages the unit below?
If you’re responsible for sudden, accidental water damage to a neighbor’s unit, personal liability may help, subject to the policy terms. Damage inside your own unit may fall under your coverage or the master policy, depending on the documents. Gradual leaks are usually excluded.
Is flood covered for Hermitage condos?
No. Condo and master policies generally exclude flood. Metro Nashville participates in the National Flood Insurance Program, so unit owners can usually buy their own flood policy. See my Hermitage flood insurance page for the 30-day wait and how to check your address.
I lease out my Hermitage condo. What do I need?
Tell me, because a policy written for an owner who lives in the unit may not fit a rented one. A policy designed for a leased unit can address your interior, your liability as an owner and lost rent after a covered loss, where available.
Can my condo and auto be on one account?
Often, yes, depending on the carriers available for each. It keeps your coverage in one place and makes reviews simpler. Ask me what’s available for your situation.
What do I need for a condo insurance quote?
Your unit address, year built, square footage, upgrades, the HOA’s insurance statement or master policy summary and any recent claims. Then call 615-562-5100 or use the form.
Get a Hermitage Condo Insurance Quote
Call 615-562-5100 or use the form below. Have your unit address, square footage, year built, any upgrades and the association’s insurance statement if you have it.
Stop By or Call Our Mt. Juliet Office
Have a question about condo insurance or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed