Home insurance · Nashville, TN
Nashville, TN Home Insurance, Explained by a Local Agent
I’m Dustin Rodgers. My office is just east of Nashville in Mt. Juliet, and I’d be glad to help you understand how your Nashville home is protected.
Dustin Rodgers and team
Serving Nashville from our Mt. Juliet office
Your local agent
Home insurance help for Nashville homeowners
Nashville’s homes range from older bungalows in East Nashville and Sylvan Park to new builds in Antioch and Bellevue. I’m Dustin Rodgers, and Rodgers Insurance Agency serves Middle Tennessee from Mt. Juliet, just east on I-40. I help Nashville homeowners understand what their policy covers, where the gaps might be and how flood fits in.
Coverage
Home Coverage for Nashville Homeowners
Bungalow, townhome or new build, most home policies are built from these 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 Nashville 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 Older 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.
- Ordinance or law coverage for older homes
- Replacement cost or actual cash value settlement
- Water backup coverage
- Scheduled coverage for jewelry, instruments or art
- Higher liability limits, or an umbrella
- A separate flood policy
Local risks
The Cumberland, Storms and Your Nashville Home
The May 2010 flood showed how quickly water can rise in parts of Nashville. Homeowners policies generally exclude flood, so it’s worth looking at a separate flood policy even outside a mapped flood zone.
Spring storms can bring hail and strong wind across Davidson County. Your roof’s age and condition can matter, so have that ready.
Older homes may have original wiring or plumbing, and renovated homes may need higher limits. Either way, your dwelling limit should reflect the cost to rebuild.
Sources: Wikipedia: Nashville, Tennessee · NWS Nashville: Remembering the May 2010 Flood · 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
Nashville-Area Communities I Serve
My Nashville clients live across Davidson County, including Donelson, Hermitage, Antioch, Old Hickory, Madison and Bellevue.
Home insurance pages for nearby towns: Mt. Juliet, Lebanon, Hermitage, Gallatin, Hendersonville, Watertown. Looking for car insurance? See Mt. Juliet auto insurance.
More coverage in Nashville: condo insurance, renters insurance, landlord insurance, umbrella insurance, boat insurance, motorcycle insurance, classic car insurance, RV and camper insurance.
Why a local agent
Why Nashville 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 Nashville
Here in Nashville, I can also help with manufactured home coverage, auto insurance and ATV and UTV insurance.
Want to think it through first? Read choosing your home insurance limits.
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
Nashville Home Insurance Questions
Updated
Can an agent in Mt. Juliet insure my Nashville home?
Yes. My office at 1982 Providence Pkwy Ste 257 is just east of Nashville on I-40, and I work with homeowners across Davidson County, mostly by phone and email.
Do I need flood insurance in Nashville?
Homeowners policies generally exclude flood. Whether you’re in a mapped zone or not, a separate flood policy is worth considering. A new NFIP policy typically has a 30-day wait.
My bungalow is older. What should I ask about?
Ask about ordinance or law coverage and how claims are settled. The age of your roof, wiring and plumbing may also matter.
What is water backup coverage?
An add-on that can help when a sewer or drain backs up into your home. It’s different from flood.
How much dwelling coverage do I need?
Enough to rebuild your home at today’s costs, not its market value. Our home coverage guide explains more.
Is my renovation covered?
Tell us about major updates so your dwelling limit reflects them.
Can I bundle home and auto?
Often, yes. We’ll review both together.
What if I rent out part of my home?
Renting a room, an ADU or a whole house usually changes the coverage you need. Short-term rentals are different again. Call us first.
Do you insure condos in Nashville?
Yes. See our Nashville condo insurance page.
Get a Nashville Home Insurance Quote
Call 615-562-5100 or fill out the form below and my office will follow up. Your declarations page and your home’s year built help us get started.
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