Landlord insurance · Mt. Juliet, TN
Landlord Insurance for Mt. Juliet Rental Properties
When a tenant lives in your house, your insurance needs change. I’ll help you set up coverage for the building, your liability and the rent you count on.
Dustin Rodgers and team
Local landlord insurance help from our Mt. Juliet office
Your local agent
From your home to a rental: what changes
Maybe you moved and kept your first house in Mt. Juliet. Maybe you bought a duplex as an investment. Either way, once a tenant moves in, a standard homeowners policy usually isn’t the right fit anymore. Landlord coverage, sometimes called a dwelling or rental dwelling policy, is designed for a property you own but don’t live in. I’ll walk you through what it can include and the questions to ask before you hand over the keys.
Coverage
What Landlord Insurance Can Cover
A landlord or dwelling policy is built around the building and your role as the owner. Depending on the policy form, it can include:
-
Dwelling
Can help repair or rebuild the rental home after a covered loss, like fire, wind or hail.
-
Other structures
Can help with covered damage to a detached garage, fence or shed on the property.
-
Fair rental value
Can help replace rent you lose while covered damage makes the property unlivable, subject to limits.
-
Landlord liability
Can help if you’re found legally responsible for someone’s injury on the property, including defense costs, up to your limits.
-
Landlord’s contents
Can help with appliances, furnishings or tools you own and keep at the rental for tenants or upkeep.
-
Vandalism and theft options
Some policy forms include or let you add coverage for vandalism or theft; others limit it, especially if the home is vacant.
Landlord coverage is subject to policy terms, underwriting and availability. Tenants’ belongings are not covered by your policy; tenant nonpayment, flood and normal wear are generally not covered. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Questions Every Landlord Should Ask
Rental properties come in all shapes. These are the details that tend to matter most:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Named perils or open perils (the policy form), and replacement cost or actual cash value
- How the policy treats a vacant house between tenants
- Liability limits, and whether an umbrella should sit on top
- Requiring tenants to carry renters insurance
- Flood exposure, which needs a separate policy
Around Mt. Juliet
Renting Out a Home in Mt. Juliet
Being close to I-40, Providence and Nashville is part of what draws renters to Mt. Juliet. If you’re thinking about keeping a house here as a rental, the coverage questions start before the first tenant moves in.
Middle Tennessee’s spring storms are the big property risk for most rentals here, and you won’t always be the first to see the damage. A clear plan with your tenant for reporting problems quickly, and coverage for lost rent while repairs happen, can make a big difference.
Your landlord policy doesn’t cover your tenant’s belongings or their liability. Many owners require tenants to carry renters insurance as part of the lease. If the property sits low or near a creek, a separate flood policy for the building may also be worth a look.
Sources: Insurance Information Institute: coverage for renting out your home · FEMA FloodSmart: buying a flood policy · FEMA Flood Map Service Center
Long-term tenant or short-term guests?
Landlord policies are designed for tenants on a lease. If you rent by the night or week, short-term rental coverage is a different conversation. Tell me how the property is used and we’ll match the right type of policy.
Areas we serve
Areas I Serve
I work with landlords and rental owners in Mt. Juliet, Hermitage, Lebanon, Gallatin, Hendersonville, Watertown and around Middle Tennessee.
Our office is in the Providence area, just off I-40 at Mt. Juliet Rd, so it’s an easy stop whether you’re coming from Lebanon Rd, Hermitage or the lake side of town.
Not in Mt. Juliet? I help with landlord insurance in nearby towns too: Hermitage rental property coverage, landlord insurance in Lebanon, Nashville landlord insurance and rental property coverage in Gallatin.
Why a local agent
Why Landlords Work with a Local Agent
- Several properties, one conversation: your rentals, home, auto and umbrella can be reviewed together.
- We ask about vacancy: the time between tenants is when many coverage surprises happen.
- Plain-language policy forms: named perils, open perils and fair rental value explained clearly.
- Help after a loss: my office can help you understand the next steps with a claim.
- Local: we know Mt. Juliet neighborhoods and Middle Tennessee weather.
Reviews
What Mt. Juliet Neighbors Say
Landlords, homeowners and longtime neighbors have shared what it’s like to work with my office. Read their reviews on Google, or leave one of your own.
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
Mt. Juliet Landlord Insurance FAQs
Updated
Can I keep my homeowners policy when I rent out my house?
Usually not. Homeowners policies are generally designed for homes you live in. Once a tenant moves in, you’ll typically need a landlord or dwelling policy. Tell your insurer before the tenant moves in so there’s no gap.
Does landlord insurance cover my tenant’s belongings?
No. Your landlord policy is for the building and your liability as the owner. Tenants need their own renters insurance for their belongings and liability, and many landlords require it in the lease.
What is fair rental value coverage?
It can help replace the rent you lose while a covered loss, like a fire, makes the property unlivable during repairs, subject to the policy’s limits and terms. It generally doesn’t cover a tenant who simply stops paying.
What happens if my rental sits vacant?
Many policies limit coverage for certain losses, like vandalism or burst pipes, if a property is vacant for a set period. If your rental will be empty between tenants or during renovations, let me know so we can look at the policy’s vacancy terms.
Is a duplex or small multi-unit property insured the same way?
Small properties with a few units are often written on a dwelling policy, while larger buildings may need a commercial policy. It depends on the number of units and the insurer’s guidelines. Tell me what you own.
Do I need flood insurance on a rental property?
Landlord policies generally exclude flood. Flood coverage for the building is a separate policy, and a new National Flood Insurance Program policy typically has a 30-day waiting period, with limited exceptions. Your lender may require it in a high-risk flood zone.
Should I have an umbrella policy as a landlord?
Many landlords consider one. An umbrella can add liability coverage above your rental, home and auto policies, subject to its own terms and the underlying limits it requires. We can talk about whether it fits your situation.
What’s the difference between landlord and short-term rental insurance?
Landlord coverage is designed for long-term tenants on a lease. Short-term rental coverage is designed for nightly or weekly guests. The risks are different, so the right policy depends on how you rent.
What do I need for a landlord insurance quote?
The property address, year built, roof age, square footage, monthly rent, whether it’s occupied, any recent updates and your current declarations page. Then call 615-562-5100 or use the form.
Get a Mt. Juliet Landlord Insurance Quote
Call 615-562-5100 or use the form below. Have the property address, year built, roof age, monthly rent, whether it’s occupied and your current declarations page.
Stop By or Call Our Mt. Juliet Office
Have a question about landlord insurance 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