Renters insurance · Hermitage, TN
Renters Insurance for Hermitage Apartments and Rental Homes
From apartments off Old Hickory Blvd to rental houses near Percy Priest Lake, Hermitage has a lot of renters. Your landlord’s insurance is for the building. Let’s cover what’s yours.
Dustin Rodgers and team
Serving Hermitage from our Mt. Juliet office
Your local agent
Renting in Hermitage? Here’s what’s on you.
Hermitage gives you Nashville without the downtown traffic, and a lot of people rent here for exactly that reason. If there’s a fire, a break-in or a burst pipe, though, your landlord’s policy typically won’t replace your belongings or cover your liability. A renters policy does that. I’ll help you set one up that fits your place, your lease and the way you live.
Coverage
What Hermitage Renters Insurance Can Cover
Depending on the policy and the options you choose, renters coverage can include:
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Your stuff
Can help replace clothes, furniture, a TV, a gaming setup and kitchen items after covered events like fire, theft or water from a burst pipe.
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Personal liability
Can help with legal costs and damages if you’re responsible for injuring someone or for damage to the property, up to your limit.
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Medical payments to others
Can help with minor medical bills for a guest hurt at your rental, regardless of fault, within limits.
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Temporary housing
If a covered loss makes your apartment unlivable, this can help with a hotel and added costs while it’s fixed.
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Belongings on the go
Items you take with you, like a laptop on the train or a bike at the park, are often covered away from home, subject to limits.
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Valuables
Jewelry, watches and collectibles often have low built-in limits. Listing them separately may broaden coverage where available.
Renters coverage is subject to policy terms, underwriting and availability. Flood is excluded from standard renters policies and is available as a separate policy. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What We’ll Decide Together
A quick conversation answers most of these:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- How much your belongings would cost to replace
- Replacement cost or actual cash value
- The liability amount your lease asks for, if any
- Whether a roommate needs their own policy
- Contents-only flood coverage, especially near creeks or low areas
Around Hermitage
Renting in Hermitage
Many Hermitage renters commute into Nashville. Some ride the WeGo Star commuter rail from its Hermitage stop, and others take I-40.
Because Hermitage is part of Metro Nashville and Davidson County, it’s covered by Metro’s participation in the National Flood Insurance Program. Renters can buy contents-only flood coverage, and standard renters policies don’t cover flood, so a contents-only flood policy is worth a look if you live near the Stones River or in a low spot.
Renters policies also tend to be the first insurance policy people buy on their own. It’s a good time to set up the right liability limit and learn how a claim works, before you need one.
Sources: WeGo Public Transit: WeGo Star commuter train · FEMA: NFIP Community Status Book, Tennessee · Insurance Information Institute: renters insurance
A quick checklist for move-in day
Take photos or a video of your belongings, keep receipts for big purchases, and send your landlord proof of coverage if your lease asks for it. If you ever have a claim, that inventory makes it much easier.
Areas we serve
Areas I Serve
I work with renters, roommates and families in Hermitage (37076), Old Hickory, Donelson, Mt. Juliet, Lebanon, Watertown and nearby Middle Tennessee communities.
Our office is on Providence Pkwy in Mt. Juliet, a few exits east of Hermitage on I-40, so it’s an easy stop on the way home or a quick call if that’s easier.
Not in Hermitage? I help with renters insurance in nearby towns too: renters insurance in Nashville and Lebanon renters insurance.
Why a local agent
Why Hermitage Renters Call a Local Agent
- Lease paperwork done right: proof of coverage and interested-party listings when your landlord asks.
- Flood questions answered: we’ll check whether contents-only flood makes sense for your address.
- Renters plus auto: one review for both policies.
- Easy to reach: call or email, or stop by our office just east on I-40.
- Help with claims: my office can help you understand the next steps.
Reviews
What Hermitage Neighbors Say
Renters, families and longtime neighbors from Hermitage to Mt. Juliet 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
Hermitage Renters Insurance FAQs
Updated
Can Hermitage renters buy flood insurance?
Yes. Metro Nashville participates in the National Flood Insurance Program, and renters can buy contents-only flood coverage for their belongings. Standard renters policies exclude flood, and a new NFIP policy usually has a 30-day waiting period.
Is something stolen from my car at the Hermitage train station covered?
Personal belongings stolen from a car are usually handled under renters or homeowners coverage, subject to your deductible. Damage to the car itself, like a broken window, is an auto insurance question.
My lease says I need $100,000 of liability. Is that typical?
Many leases ask for a specific liability amount, and it varies by landlord. We’ll set your policy to meet the lease requirement and talk about whether a higher limit makes sense for you.
What’s replacement cost versus actual cash value?
Replacement cost pays to replace your belongings with similar new items, minus your deductible. Actual cash value subtracts depreciation, so older items pay out less. Which one is available depends on the policy.
Do I need renters insurance if I’m renting a house, not an apartment?
Yes, the idea is the same. The owner’s policy covers the house, and your policy covers your belongings and your liability. Renting a house can also mean a yard, a pool or a dog, so tell me about those.
Does renters insurance cover damage I cause to the apartment?
Personal liability may help if you accidentally cause covered damage to the landlord’s property, like a kitchen fire, up to your limit. It generally doesn’t cover normal wear, pet damage to carpet or intentional damage.
Are my roommate’s things covered on my policy?
Usually not, unless they’re a relative who lives with you. Unrelated roommates typically need their own policy, which also keeps claims separate.
When does a renters policy start?
A renters policy can usually start the day you choose, often your move-in date, once the application is accepted. Flood is different: a new NFIP flood policy generally takes 30 days.
What do I need for a renters insurance quote?
Your rental address, move-in date, roommates if any and a rough value of your belongings. Then call 615-562-5100 or use the form.
Get a Hermitage Renters Insurance Quote
Call 615-562-5100 or use the form below. Have your rental address, your move-in date and an estimate of what your belongings are worth.
Stop By or Call Our Mt. Juliet Office
Have a question about renters 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