Landlord coverage guide · Middle Tennessee
How Much Landlord Insurance Do I Need?
Insuring a rental is different from insuring your home. Here’s how to think about each limit.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Landlord coverage usually needs enough dwelling coverage to rebuild the rental, enough rental income coverage for the time repairs might take and liability that fits your exposure as an owner. Tenants insure their own belongings.
Coverage
Sizing your landlord insurance, step by step
Work through these for your landlord insurance. Rough answers are fine to start.
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1. Dwelling: cost to rebuild
Base it on rebuilding cost, not purchase price.
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2. Rental income
Estimate how many months of rent you’d lose during repairs.
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3. Liability
Owners can be sued by tenants or visitors. Consider an umbrella.
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4. Your property at the rental
Appliances and lawn equipment you provide.
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5. Vacancy
Check how long the home can sit empty without limits on coverage.
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 landlord insurance
Having these nearby makes a landlord insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Each rental’s address, year built and updates
- Monthly rent
- Your lease terms
- Whether any rental is short-term
Around Middle Tennessee
What people often miss with landlord insurance
A homeowners policy is written for a home you live in, so once you rent it out, the coverage usually needs to change.
Short-term rentals often need different coverage than long-term leases.
Sources: Insurance Information Institute: coverage for renting out your home
Ask tenants for renters insurance
Many landlords require it in the lease. It covers the tenant’s things and liability.
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 Landlord Coverage Guide FAQs
Updated
How much rental income coverage do I need?
Enough to cover the rent you’d lose while repairs are made. Think about how long a big repair could take.
Does my landlord policy cover my tenant’s things?
No. Tenants need renters insurance.
How much liability does a landlord need?
It depends on your exposure. Many landlords add an umbrella.
Is vacancy a problem?
Many policies limit coverage after a home sits empty for a while. Tell us between tenants.
Do short-term rentals need different coverage?
Usually, yes.
Is flood covered?
No. Flood is a separate policy.
Can I insure several rentals together?
Often, yes. We’ll look at each property.
Can you review my rental coverage?
Yes. Call 615-562-5100.
Questions about your landlord insurance?
Tell us a little about your situation and we’ll follow up about your landlord insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about landlord 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