Flood insurance · Mt. Juliet, TN
Flood Insurance for Mt. Juliet Homes, Condos and Rentals
Standard home and renters policies generally don’t cover flood. I’ll help you understand your options and the 30-day waiting period, so you can decide what makes sense for your home.
Dustin Rodgers and team
Local flood insurance help from our Mt. Juliet office
Your local agent
Flood coverage, explained simply
Mt. Juliet is the City Between the Lakes, with creeks running through plenty of neighborhoods in between. Many people are surprised to learn that a standard homeowners or renters policy generally doesn’t include flood. Flood insurance is a separate policy, and new policies usually don’t start right away. Whether you’re in a mapped flood zone or not, I’ll help you look up your address and understand your options.
Coverage
What Flood Insurance Can Cover
Flood policies are usually split into two parts, each with its own limit and deductible, plus a few related coverages:
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Building coverage
Can help repair the structure and its systems after a covered flood: foundation, electrical, plumbing, furnace, water heater, built-in appliances and permanently installed flooring.
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Contents coverage
Can help with belongings like furniture, clothing, electronics, a washer and dryer and portable appliances. Renters can buy contents coverage by itself.
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Detached garage
Building coverage can include a detached garage, within the policy’s terms.
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Debris removal
Can help with the cost of removing flood debris from the insured property, within limits.
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Loss avoidance
May help with certain costs to protect insured property from an imminent flood, such as sandbags, subject to terms.
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Private flood options
Where available, private flood policies may offer different limits or extra coverages. Terms vary widely.
Flood coverage is subject to policy terms, eligibility and availability. Flood policies have important exclusions, including most property in basements, property outside the building, and temporary living expenses under NFIP policies. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to Know Before You Buy
A few decisions shape a flood policy. These are the ones we’ll talk through:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Building coverage, contents coverage, or both
- National Flood Insurance Program or private flood, where available
- Deductibles for building and contents, which are separate
- An elevation certificate, which can affect pricing on some policies
- Timing, because of the waiting period on new policies
Around Mt. Juliet
Flood Risk in Mt. Juliet
Like the rest of Middle Tennessee, Mt. Juliet gets its share of heavy rain. Heavy rain, creeks and lake levels all play a part in where water goes, which is why flood coverage can be worth a quick look even if you’ve never had water in the house.
Mt. Juliet sits between Old Hickory Lake and Percy Priest Lake, and creeks and low spots run through many neighborhoods in between. You can look up your address on FEMA’s flood maps, and the City of Mt. Juliet has floodplain information for residents.
Flood zones matter, but they don’t tell the whole story. Homes outside high-risk zones can still flood from heavy rain and poor drainage, and many lenders only require flood insurance in high-risk zones. We’ll look at your address together.
Sources: City of Mt. Juliet: Flood Plain Information · FEMA Flood Map Service Center
Remember the 30-day wait
A new National Flood Insurance Program policy generally takes effect 30 days after purchase. Exceptions include buying in connection with making, increasing, extending or renewing a mortgage, and a one-day wait for some properties newly mapped into a high-risk zone. If flood coverage is on your mind, it’s easier to start the conversation early.
Sources: FEMA FloodSmart: buying a flood policy · FEMA: 30-day waiting period for a new NFIP flood policy · FEMA: homeowners insurance does not include flood
Areas we serve
Areas I Serve
I help homeowners, renters and property owners in Mt. Juliet, Hermitage, Old Hickory, Lebanon, Gallatin, Hendersonville, Watertown and across Middle Tennessee.
Our office is in the Providence area, just off I-40 at Mt. Juliet Rd, so it’s an easy stop whether you’re coming from Lebanon Rd, Hermitage or the lake side of town.
I also work with neighbors just down the road: Hermitage flood insurance, flood coverage in Lebanon and Gallatin flood coverage.
Why a local agent
Why People Ask a Local Agent About Flood
- We look up your address with you: flood maps and elevation questions, explained.
- Timing advice: we’ll plan around the waiting period on new policies.
- Flood beside home or renters: we’ll check how flood fits with your other coverage.
- Help after a flood: my office can help you understand the next steps with a claim.
- Local: we live and work here, and we know the creeks and low spots around town.
Reviews
What Mt. Juliet Neighbors Say
Homeowners, renters and longtime neighbors 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
Mt. Juliet Flood Insurance FAQs
Updated
Does my homeowners or renters policy cover flood?
Generally, no. Most standard homeowners, renters and condo policies exclude flood. Flood insurance is a separate policy, available through the National Flood Insurance Program in participating communities and, in some cases, from private insurers.
How long is the waiting period for flood insurance?
A new NFIP flood policy generally takes effect 30 days after purchase. Exceptions include buying the policy in connection with making, increasing, extending or renewing a mortgage, and a one-day wait for some properties newly mapped into a high-risk zone. Private flood policies have their own waiting periods.
I’m not in a flood zone. Do I need flood insurance?
It’s your choice, and it’s worth considering. Flooding can happen outside high-risk zones, from heavy rain, overwhelmed drainage or rising creeks. Policies for properties outside high-risk zones are often priced differently than those inside them. We’ll look at your address together.
How do I find my flood zone?
You can search your address on FEMA’s Flood Map Service Center, and the City of Mt. Juliet has floodplain information, too. I’m glad to help you look it up.
What does flood insurance not cover?
Common exclusions include currency and valuable papers, cars, most belongings kept in a basement, property outside the building such as decks, fences, landscaping and pools, and, under NFIP policies, temporary living expenses. Private policies vary.
Can renters buy flood insurance?
Yes. Renters can buy contents-only flood coverage for their belongings. The building itself is the owner’s responsibility.
What about condos?
Condo associations may carry flood coverage on the building, and unit owners can buy their own flood policy for their unit and belongings. Ask your HOA what the master policy includes.
What’s an elevation certificate?
It’s a document, prepared by a licensed surveyor or engineer, showing your building’s elevation compared with the estimated flood height. It can be useful for rating some flood policies and for map amendment requests.
What do I need for a flood insurance quote?
Your property address, the building’s foundation type, the year it was built and an elevation certificate if you have one. Then call 615-562-5100 or use the form.
Get a Mt. Juliet Flood Insurance Quote
Call 615-562-5100 or use the form below. Have your address, your building’s foundation type and an elevation certificate if you have one.
Stop By or Call Our Mt. Juliet Office
Have a question about flood 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