Landlord insurance · Watertown, TN
Landlord insurance in Watertown, TN
One rental or several, I’ll help you cover the building, lost rent and your liability as an owner.
Dustin Rodgers and team
Serving Watertown from our Mt. Juliet office
Your local agent
Landlord insurance for Watertown landlords
Once a tenant lives in the home, the coverage needs change. A dwelling policy protects the structure, the rent it earns after a covered loss and you as the owner.
Coverage
What can a landlord policy include?
Here’s what each piece is meant to do. Your options depend on the policy.
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Other structures
Detached garages, sheds and fences on the rental lot.
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Your property at the rental
Appliances, lawn equipment or furniture you own and leave for tenants.
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Vandalism
Damage from vandalism, sometimes with conditions when a home sits vacant. Ask us.
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Ordinance or law
Help with the extra cost of rebuilding an older rental to current code after a covered loss.
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Vacancy rules
Many policies limit coverage after a home sits empty for a while. Tell us between tenants.
Vacancy limits, rental income limits and how claims are paid vary by policy. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Options worth asking about
Ask us about these when we talk.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Coverage for more than one rental
- Requiring tenants to carry renters insurance
- Short-term rental coverage, which is different
- Replacement cost on the building
- Rental income limits that match your rent
Around Watertown
Landlords around Watertown
Watertown’s housing ranges from older homes near the square to farmhouses and manufactured homes on acreage outside town. Rentals here need coverage built for property you don’t live in.
Some Watertown property owners rent out a house in town or a second home on family land. Our office is in Mt. Juliet, west of Watertown along US-70 and I-40. You can handle most things by phone or email, or stop in when you’re headed that way.
Sources: Wikipedia: Watertown, Tennessee · Insurance Information Institute: coverage for renting out your home
Tenants need their own coverage
Your landlord policy doesn’t cover a tenant’s belongings. Many owners ask tenants to carry renters insurance.
Areas we serve
Areas I Serve
We work with landlords in Watertown, Lebanon, Mt. Juliet and all over Wilson County, plus Hermitage, Gallatin, Hendersonville and Nashville.
Our office is in Mt. Juliet, west of Watertown along US-70 and I-40. You can handle most things by phone or email, or stop in when you’re headed that way.
Closer to Lebanon? See landlord insurance in Lebanon.
Why a local agent
Why work with a local agent?
- One local office: You call 615-562-5100 and talk with someone on Providence Pkwy, not a call center.
- Plain answers: We’ll explain what a coverage does and doesn’t do before you decide anything.
- Help when something happens: If you have a claim, we can walk you through the first steps and who to call.
- Serving Middle Tennessee since 2011: We’ve been helping neighbors in Wilson, Davidson and Sumner counties for years.
Reviews
What Watertown 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
Watertown Landlord Insurance FAQs
Updated
Do you write landlord insurance in Watertown?
Yes. We work with landlords in Watertown and across Wilson County from our Mt. Juliet office. Most of it can be handled by phone or email. Coverage is subject to underwriting and availability.
Is there anything about Watertown that affects landlord insurance?
Two-lane county roads around Watertown mean slow farm equipment, deer at dusk and long stretches between towns. Rentals here need coverage built for property you don’t live in.
What do Watertown landlords often overlook?
Tell us how long the home might sit empty between tenants. Watertown is a small town in eastern Wilson County, with farmland, gravel drives and plenty of room for a side-by-side.
How do Watertown landlords usually reach you?
Most call 615-562-5100 or email dustin@rodgersinsagency.com. Two-lane county roads around Watertown mean slow farm equipment, deer at dusk and long stretches between towns.
What else do Watertown landlords usually insure?
Yes. Many customers also ask us about umbrella, home and auto. Keeping things with one local agent can make reviews simpler.
What about short-term rentals?
Short-term rentals usually need different coverage than long-term leases. Tell us how you rent the property.
Do I need an umbrella as a landlord?
Many landlords add an umbrella for extra liability. We’ll talk about whether it fits.
Can you insure several rentals?
Yes. We can look at each property and how to keep them organized.
Get a landlord insurance quote
Tell us a little about what you need and we’ll follow up, usually the same business day.
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