Renters coverage guide · Middle Tennessee
How Much Renters Insurance Do I Need?
Renters insurance is simple, but the limits still matter. Here’s how to think about each one.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Most renters need enough personal property coverage to replace their things, liability coverage for accidents at home and additional living expense coverage for a place to stay after a covered loss. Your lease may also set a minimum liability amount.
Coverage
Sizing your renters insurance, step by step
Work through these for your renters insurance. Rough answers are fine to start.
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1. Count your stuff
Go room by room. Furniture, clothes, electronics and kitchen gear add up.
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2. Pick a liability limit
Check whether your lease requires a minimum, then think about what you want protected.
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3. Think about displacement
Additional living expense helps if a covered loss forces you out.
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4. List high-value items
Jewelry, cameras and instruments may need extra coverage.
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5. Choose a deductible
Pick an amount you could pay without stress.
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 renters insurance
Having these nearby makes a renters insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Your lease’s insurance requirement, if any
- A rough list of what you own
- High-value items and their value
- Your property manager’s contact for proof of insurance
Around Middle Tennessee
What people often miss with renters insurance
Your landlord’s policy covers the building, not your belongings or your liability.
Replacement cost coverage, where available, can help you replace items without depreciation taken off.
Take a video
A quick walk-through video on your phone makes a claim much easier.
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 Renters Coverage Guide FAQs
Updated
How much personal property coverage do renters need?
Enough to replace what you own. Most people underestimate it, so a room-by-room list helps.
My lease requires liability coverage. How much?
Check your lease. Many set a minimum. You can choose more.
Is replacement cost worth it?
It can mean a bigger payout for older items. Ask us to compare.
Are my roommate’s things covered?
Usually not. Roommates generally need their own policy.
Does renters insurance cover flood?
No. Flood is separate, and renters can buy flood coverage for belongings.
Does renters insurance cover my car?
No, but it may cover belongings stolen from your car.
Can I bundle renters with auto?
Often, yes.
How fast can I get proof for my landlord?
Call 615-562-5100. We’ll help you get proof once a policy is in place.
Questions about your renters insurance?
Tell us a little about your situation and we’ll follow up about your renters insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about renters 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