Condo insurance · Lebanon, TN
Condo Insurance for Lebanon Condos and Townhomes
If your Lebanon condo or townhome comes with an HOA and a master policy, I’ll help you see where the association’s coverage stops and where yours needs to pick up.
Dustin Rodgers and team
Serving Lebanon from our Mt. Juliet office
Your local agent
Your HOA covers part of it. Let’s find the rest.
When you buy a condo or an HOA townhome in Lebanon, the association usually insures some of the building, and you’re responsible for the rest. The tricky part is that every association draws that line a little differently. A unit-owner policy is built to fill the gap: the inside of your unit, your things and your personal liability. Bring me your HOA’s insurance information and we’ll sort it out together.
Coverage
What a Lebanon Condo Policy Can Cover
Unit-owner policies are flexible. Depending on the policy and the options you pick, coverage can include:
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Interior and improvements
Can help repair what the master policy leaves to you, like cabinets, flooring, fixtures and upgrades you or a past owner added, after a covered loss.
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Your belongings
Furniture, clothes, electronics and kitchen items can be covered against perils like fire, theft and wind, depending on the policy form.
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Owner liability
Can help with legal costs and damages if a guest is hurt in your unit or you accidentally damage a neighbor’s unit, up to your limit.
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Assessment coverage
If the association bills owners for a covered loss to shared areas or for its master-policy deductible, loss assessment coverage may help with your share, within limits.
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Living costs after a loss
If a covered loss makes your unit unlivable, this can help with a hotel and extra meals while repairs are made.
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Valuables and add-ons
Jewelry, collectibles and water backup are often limited on a basic policy. Endorsements may add protection where available.
What your unit-owner policy needs to pick up depends on your association’s documents and its master policy. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Details I’ll Ask About
Two condos on the same street can need different policies. These are the things that shape yours:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Whether the master policy covers bare walls, original fixtures or improvements too (the wording varies)
- The master-policy deductible and whether the HOA can pass it to owners
- Upgrades to floors, cabinets, lighting and bathrooms
- Whether you live in the unit or lease it to someone else
- Water backup, and any valuables you’d like listed separately
Around Lebanon
Condo and Townhome Living in Lebanon
For many Tennessee condominiums, the Tennessee Condominium Act of 2008 lets a unit owner, a buyer or their lender ask the association for key information in writing. The association has ten business days to respond, and the list includes a statement of the insurance it carries, with the types of coverage, limits and deductibles.
That insurance statement is the best starting point for a unit-owner policy. Once we know what the master policy covers and how large its deductible is, we can set your coverage to fit the gap instead of guessing.
If your community is still being built out, keep in mind that the same disclosure list includes whether the board is still under the developer’s control and when that period ends, which is worth knowing because insurance decisions can change hands when owners take over.
Sources: Tenn. Code 66-27-502: condominium association must provide information · Tenn. Code 66-27-503: information the association provides, incl. insurance · Washington Insurance Commissioner: how condo insurance works
Ask for the insurance statement
Before you close on a Lebanon condo or townhome, ask the association for its statement of insurance coverage. Send it to me, and I’ll walk you through what’s left for your own policy.
Areas we serve
Areas I Serve
I work with condo and townhome owners in Lebanon (37087 and 37090), Watertown, Mt. Juliet and across Wilson County.
Our only office is on Providence Pkwy in Mt. Juliet, just off I-40 at Mt. Juliet Rd, a straight shot west from Lebanon. Many questions can be handled by phone or email, and you’re always welcome to stop by.
Not in Lebanon? I help with condo insurance in nearby towns too: Watertown condo and townhome coverage and condo insurance in Hermitage.
Why a local agent
Why Lebanon Condo Owners Call Us
- We read the HOA paperwork with you: so you know what the association covers and what it doesn’t.
- Close by: our Mt. Juliet office is a straight drive west on I-40.
- Condo, auto and more in one place: reviewed together in one conversation.
- Help after a loss: my office can help you understand the next steps with a claim.
- Plain answers: what your coverage does, without the jargon.
Reviews
What Lebanon Neighbors Say
Condo owners and families across Wilson County 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
Lebanon Condo Insurance FAQs
Updated
What does a Lebanon HOA master policy usually cover?
It depends on the association’s documents. Many master policies cover the structure, roof and shared areas, and some also cover original fixtures inside units. Few cover your belongings or your personal liability. The association’s insurance statement tells us which kind you have.
How do I get my association’s insurance information?
Ask the HOA or its management company in writing. For many Tennessee condominiums, the Condominium Act of 2008 says the association must provide a statement of its insurance coverage, including limits and deductibles, within ten business days of a request from an owner, buyer or lender. A reasonable fee may apply.
Does my townhome need a condo policy or a homeowners policy?
It depends on how the property is legally set up and what the HOA insures. If you own the structure and the land under it, a homeowners policy may fit better. If it’s a condominium with a master policy, a unit-owner policy may be the right choice. Your deed and HOA documents tell us which.
What happens if the HOA passes its deductible on to owners?
Some associations split a master-policy deductible among owners after a covered loss. Loss assessment coverage on your policy may help with your share, up to the limit you choose and subject to policy terms.
Do I need flood coverage for my condo?
Unit-owner and master policies generally exclude flood. Some associations buy flood coverage for the building, but your contents and improvements usually need their own flood policy. My Lebanon flood insurance page explains the 30-day wait and how to check your address.
Does condo insurance cover water from the unit above me?
Sudden, accidental water damage, like a burst pipe upstairs, is often covered for your interior and belongings, subject to your deductible and the policy’s terms. Who pays first can depend on the HOA’s documents. Gradual leaks and flooding are usually excluded.
I’m buying a new-construction condo in Lebanon. When should I call?
Before closing. Your lender will usually want proof of coverage, and it helps to see the master policy early. If the board is still under the developer’s control, ask when that ends, since it’s on the list of things the association should disclose.
Can I lease out my Lebanon condo?
Check your HOA rules and any city rules first. If you do lease it, let me know, because a policy written for an owner who lives in the unit may not fit a rented one. Leased units often need a different setup.
What do I need for a condo insurance quote?
Your unit address, year built, square footage, any upgrades, the HOA’s insurance statement or master policy summary, and any recent claims. Then call 615-562-5100 or fill out the form.
Get a Lebanon Condo Insurance Quote
Call 615-562-5100 or use the form below. It helps to have your HOA’s insurance statement or master policy summary, your unit’s square footage and a list of any upgrades.
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