Condo coverage guide · Middle Tennessee
How Much Condo Insurance Do I Need?
Your condo policy has to fit around your association’s master policy. Here’s how to size it.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Start with your association’s master policy. What it covers decides how much walls-in coverage you need. Then add personal property, liability, loss of use and loss assessment coverage that fits your situation.
Coverage
Sizing your condo insurance, step by step
Work through these for your condo insurance. Rough answers are fine to start.
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1. Read the master policy
Find out if it covers bare walls, original fixtures or upgrades too.
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2. Size walls-in coverage
Estimate the cost to replace your interior finishes and improvements.
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3. Count your belongings
Furniture, clothing and electronics.
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4. Check loss assessment
Look at the HOA’s deductible and consider loss assessment coverage.
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5. Pick liability
Think about what you want protected. Many add an umbrella.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. 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 gather before you call about condo insurance
Having these nearby makes a condo insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Your association’s insurance summary
- Your HOA bylaws or master deed
- A list of upgrades you’ve made
- Your lender’s requirements
Around Middle Tennessee
What people often miss with condo insurance
Master policies vary a lot. Some cover only the structure, others cover original fixtures and more.
If the HOA’s deductible is large, loss assessment coverage may help with your share, within its limit.
Sources: Washington Insurance Commissioner: how condo insurance works
Ask your HOA
Your property manager can usually send the master policy summary. It’s the first thing we’ll ask for.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
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
Middle Tennessee Condo Coverage Guide FAQs
Updated
How much walls-in coverage do I need?
It depends on your finishes and the master policy. We’ll walk through both.
What is loss assessment coverage?
It can help pay your share when the association charges owners after a covered loss.
Does the HOA policy cover my belongings?
No. Your belongings are on your policy.
Do I need liability coverage?
Yes. It can help if someone is hurt in your unit or you damage a neighbor’s unit.
Is water damage from a neighbor covered?
It depends on both policies. Sudden, accidental water damage is often covered.
Does condo insurance cover flood?
No. Flood is separate.
Can I bundle condo with auto?
Often, yes.
Can you read my master policy with me?
Yes. Send it over or bring it in.
Questions about your condo insurance?
Tell us a little about your situation and we’ll follow up about your condo insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about condo coverage guide 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