Home insurance · Hendersonville, TN
Hendersonville, TN Home Insurance, Explained Plainly
I’m Dustin Rodgers. My office is in Mt. Juliet, just across Old Hickory Lake, and I’d be glad to help you understand how your Hendersonville home is protected.
Dustin Rodgers and team
Serving Hendersonville from our Mt. Juliet office
Your local agent
Home insurance help for Hendersonville homeowners
Hendersonville wraps around Old Hickory Lake, with established neighborhoods near the water, newer subdivisions off Vietnam Veterans Blvd and condos near Indian Lake Village. I’m Dustin Rodgers, and Rodgers Insurance Agency serves Middle Tennessee from Mt. Juliet. I help Hendersonville homeowners understand what their policy covers and where the gaps might be, whether they own a lake house or a new build.
Coverage
Home Coverage for Hendersonville Homeowners
Lakefront or subdivision, most home policies are built from the same core pieces:
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Dwelling
Can help repair or rebuild your house after a covered loss. Ask whether your limit reflects today’s cost to rebuild.
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Other structures
Detached garages, fences and sheds on your property.
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Personal property
Furniture, clothing, electronics and other belongings.
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Loss of use
Extra living costs if a covered loss forces you out while repairs are made.
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Personal liability
Help if someone is hurt on your Hendersonville property or you accidentally damage someone else’s.
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Medical payments to others
Smaller medical bills for a guest hurt at your home, often regardless of fault.
Coverage is subject to policy terms, underwriting and availability. Limits, exclusions and terms vary by policy. Standard homeowners policies commonly exclude flood and earthquake.
Options
Choices for Lake Homes and New Builds
Depending on your home and eligibility, options like these may be available:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Replacement cost or actual cash value settlement
- Water backup coverage for a backed-up sewer or drain
- Scheduled coverage for jewelry or collections
- Higher liability limits, or an umbrella on top
- Coverage for a dock or boathouse, where available (ask us)
- A separate flood policy
Local risks
Old Hickory Lake and Your Hendersonville Home
Living near the lake is a big part of Hendersonville life. If your property includes a dock, boathouse or retaining wall, ask how those structures are handled, since they’re often limited or need separate coverage.
Spring storms can bring hail and strong wind to Sumner County. The age of your roof can affect your options, so have that handy when we talk.
Flood is a separate policy, and being near water isn’t the only reason to consider it. Heavy rain can overwhelm creeks and drains anywhere.
Sources: City of Hendersonville: Demographics · U.S. Army Corps of Engineers: Old Hickory Dam and Lake · NWS Nashville: A Tornado Climatology of Middle Tennessee
Flood is a separate policy
Standard homeowners and renters policies generally don’t cover flood damage. Flood insurance is purchased separately, and a new National Flood Insurance Program policy typically has a 30-day waiting period before coverage begins, with limited exceptions.
Sources: FEMA: homeowners insurance does not include flood; flood is a separate policy · FEMA: 30-day waiting period for a new NFIP flood policy · FEMA Flood Map Service Center
Areas we serve
Hendersonville-Area Communities I Serve
My Hendersonville clients live around Old Hickory Lake, along Drakes Creek and throughout Sumner County, including Gallatin and Goodlettsville.
Home insurance pages for nearby towns: Mt. Juliet, Lebanon, Hermitage, Gallatin, Watertown, Nashville. Looking for car insurance? See Mt. Juliet auto insurance.
More coverage in Hendersonville: condo insurance, renters insurance, landlord insurance, umbrella insurance, boat insurance, ATV and UTV insurance, motorcycle insurance, RV and camper insurance.
Why a local agent
Why Hendersonville Homeowners Call a Local Agent
- One office, one phone number: call 615-562-5100 and talk with someone who knows your policy.
- Plain-language answers: I’ll explain dwelling, liability and other limits in everyday terms.
- Home and car reviewed together: home, auto, umbrella and more in one conversation.
- Help after a loss: my office can help you understand the first steps and who to call after a covered loss.
- A fresh look when life changes: a new roof, a remodel or a move is a good time to review.
Reviews
Reviews from Middle Tennessee Clients
Our customers have given us 4.9 stars from 109 Google reviews. Read them on Google, or add your own.
More coverage
More Ways I Can Help in Hendersonville
Other coverage I help Hendersonville neighbors with: mobile home insurance, auto insurance and collector car coverage.
Still weighing limits? My guide to how much home insurance you may need walks through it in plain language.
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.
- TN Insurance License #2027275
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Hendersonville Home Insurance Questions
Updated
Can an agent in Mt. Juliet insure my Hendersonville home?
Yes. My office at 1982 Providence Pkwy Ste 257 in Mt. Juliet works with homeowners across Sumner County. Most things can be handled by phone or email.
Is my dock or boathouse covered?
It depends on the policy. Docks and boathouses are often limited or need separate coverage. Tell us what’s on your property and we’ll check.
Does homeowners insurance cover flood near Old Hickory Lake?
No. Standard homeowners policies generally exclude flood. A separate flood policy is available, and a new NFIP policy typically has a 30-day waiting period.
What is water backup coverage?
It’s an add-on that can help when a sewer or drain backs up into your home. It’s different from flood coverage.
How much dwelling coverage do I need?
It should reflect the cost to rebuild your home, not its market value. Our home coverage guide explains more.
Does my roof’s age matter?
It can. Roof age and condition may affect coverage options and how a claim is paid.
Can I bundle home and auto?
Often, yes. Keeping both with one agent can make reviews simpler. Any price change depends on your details.
What if I rent out my Hendersonville house?
A home you rent to others usually needs a landlord policy. Ask us before the first tenant moves in.
Do I need an umbrella policy?
Many lake-area homeowners with boats, pools or teen drivers look at one. We can talk it through.
Get a Hendersonville Home Insurance Quote
Call 615-562-5100 or fill out the form below and my office will follow up. If you have it, have your current declarations page and your roof’s approximate age ready.
Stop By or Call Our Mt. Juliet Office
Buying a home, renewing a policy, or just have a question about your coverage? 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