Mobile home insurance · Mt. Juliet, TN
Mobile Home Insurance in Mt. Juliet, TN
Manufactured and mobile homes need coverage written for how they’re built and where they sit. I’ll help you sort out the home, what’s inside and your liability, in plain language.
Dustin Rodgers and team
Local mobile home insurance help from our Mt. Juliet office
Your local agent
Insurance for the manufactured home you live in
A mobile or manufactured home policy can help protect the structure, attached additions like decks and carports, your belongings and your liability if someone is hurt on your property. Whether you own the land or rent a lot in a community, we’ll look at how your home is set up and what your lender or park asks for.
Coverage
What can a mobile home policy include?
Most policies are built from a few core pieces. Here’s what each one is meant to do.
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The home itself
Can help repair or replace the structure after a covered loss like fire, wind or hail.
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Additions and other structures
Decks, steps, carports, skirting and sheds may be covered separately or with limits. Ask how yours are handled.
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Your belongings
Furniture, clothes, electronics and other personal property inside the home.
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Liability
Can help if a guest is hurt at your home or you accidentally damage someone else’s property.
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Additional living expense
Can help with costs to live elsewhere if a covered loss makes your home unlivable.
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Moving the home
Coverage while a home is being relocated is often limited or needs to be added. Tell us before a move.
Wind, hail and tie-down requirements, and how claims are paid, can vary by policy and by the age of the home. 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
Depending on your home and the market, you may be able to adjust a few things.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Replacement cost versus actual cash value for the home and belongings
- Higher or lower deductibles
- Coverage for detached sheds and carports
- Flood coverage, which is a separate policy
- Bundling with your auto policy
Around Mt. Juliet
Manufactured homes around Mt. Juliet
Mt. Juliet sits between Old Hickory Lake and J. Percy Priest Lake, so spring storms and strong wind are part of life here. How your home is anchored and skirted can matter when you shop for coverage.
If your home is in a land-lease community, the community may ask for proof of liability coverage. If you have a loan, your lender will usually have its own requirements. Bring those to us and we’ll make sure the policy lines up.
Sources: U.S. Army Corps of Engineers: Old Hickory Dam and Lake · U.S. Army Corps of Engineers: J. Percy Priest Dam and Lake
Flood is separate
A standard mobile home policy usually doesn’t cover flood. If you’re near a creek or low area, ask us about a separate flood policy.
Areas we serve
Areas I Serve
I work with mobile and manufactured home owners in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in the Providence area, just off I-40 at Mt. Juliet Rd, so it’s an easy stop from Lebanon Rd, Hermitage or the lake side of town.
Not in Mt. Juliet? I help with mobile home insurance in nearby towns too: Hermitage mobile home insurance, manufactured home coverage in Lebanon, Nashville manufactured home coverage and mobile home insurance in Gallatin.
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 Mt. Juliet 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
Mt. Juliet Mobile Home Insurance FAQs
Updated
Is mobile home insurance different from homeowners insurance?
Yes. Manufactured and mobile homes are usually written on a policy built for how they’re constructed and installed. The coverage pieces are similar: the home, your belongings, liability and living expenses.
Does it matter how old my mobile home is?
It can. The age, construction and how the home is anchored may affect whether coverage is available and how a claim is paid. Tell us the year and make and we’ll look at your options.
I rent a lot in a community. Do I still need coverage?
If you own the home, the community’s coverage generally doesn’t protect your home or belongings. Many communities also ask residents to carry liability coverage.
Does my policy cover flood?
Usually not. Flood is typically a separate policy. If you’re in or near a flood zone, ask us about it.
Are my deck, steps and carport covered?
Often, but sometimes with limits or as separate coverage. Ask us how your additions are handled so there are no surprises.
What happens if I move my home?
Coverage during a move is often limited or excluded unless you add it. Call us before the home is moved.
Can I get replacement cost on a mobile home?
In some cases. Some policies pay actual cash value, which takes depreciation into account. We’ll explain which applies to your quote.
Can I bundle mobile home and auto insurance?
Often, yes. Having both policies in one place can make things simpler. Whether it changes your price depends on the market and your details.
What do I need for a quote?
The address, the year, make and size of the home, whether you own the land, any additions, and your current policy if you have one.
Get a mobile home insurance quote
Tell us a little about your home and we’ll follow up, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about mobile home 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