Flood coverage guide · Middle Tennessee
How Much Flood Insurance Do I Need?
Flood coverage is separate from homeowners. Here’s how to think about it, even outside a mapped zone.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Flood policies have separate limits for the building and its contents. The right amounts depend on your home’s rebuilding cost, your belongings and your flood risk. Homes outside high-risk zones can flood too.
Coverage
Sizing your flood insurance, step by step
Work through these for your flood insurance. Rough answers are fine to start.
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1. Building coverage
Covers the structure up to the policy limit.
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2. Contents coverage
Bought separately for belongings.
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3. Check your risk
Look up your address on FEMA’s flood map and First Street.
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4. Know the wait
A new NFIP policy typically has a 30-day waiting period.
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5. Ask about private options
Private flood policies may be available.
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 flood insurance
Having these nearby makes a flood insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Your address
- Your home’s foundation type
- Whether you have a basement
- Any elevation certificate
Around Middle Tennessee
What people often miss with flood insurance
NFIP policies have federal limits on building and contents coverage. Ask about private options if you need more.
Basements are limited under NFIP policies.
Middle Tennessee saw serious flooding in May 2010, including outside mapped high-risk areas. That’s why it’s worth checking your own address, even if your lender doesn’t require flood coverage.
Sources: FEMA: homeowners insurance does not include flood · FEMA: 30-day waiting period for a new NFIP flood policy · FEMA FloodSmart: buying a flood policy · FEMA Flood Map Service Center
Don’t wait for the forecast
The typical 30-day waiting period means flood coverage is something to set up before you need it.
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 Flood Coverage Guide FAQs
Updated
Does homeowners cover flood?
No. Flood is separate.
I’m not in a flood zone. Do I need it?
Many floods happen outside mapped high-risk zones. It’s worth considering.
How much flood coverage can I buy?
NFIP policies have federal limits. Private flood may offer more.
Is contents coverage included?
No. It’s bought separately.
Is there a waiting period?
A new NFIP policy typically has a 30-day waiting period.
Can renters buy flood coverage?
Yes, for contents.
What about my basement?
Basement coverage is limited under NFIP.
How do I start?
Call 615-562-5100.
Questions about your flood insurance?
Tell us a little about your situation and we’ll follow up about your flood insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about flood 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