Renters insurance · Mt. Juliet, TN
Renters Insurance for Mt. Juliet Apartments, Townhomes and Rental Houses
Your landlord’s policy covers the building, not your things. A renters policy can help protect your belongings and your liability, and it’s often simpler than people expect.
Dustin Rodgers and team
Local renters insurance help from our Mt. Juliet office
Your local agent
Your stuff, your responsibility
A lot of people I talk with assume their landlord’s insurance takes care of everything. It usually doesn’t. The owner’s policy is there for the building; your couch, your laptop and the bike in your hall closet are on you. Renters insurance can also help if a guest gets hurt in your place or you accidentally cause damage. Whether you just moved to Mt. Juliet for a job in Nashville or you’re renting while you house-hunt, I’ll help you pick coverage that fits how you live.
Coverage
What Renters Insurance Can Cover
A renters policy is mostly about two things: your belongings and your liability. Here’s what that can include:
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Personal property
Can help replace your belongings after a covered loss like fire, smoke, theft or certain water damage, whether they’re at home, in your car or with you on a trip.
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Personal liability
Can help if you’re found responsible for someone else’s injury or property damage, including legal defense costs, up to your limits.
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Loss of use
Can help with temporary housing and extra living costs if a covered loss makes your rental unlivable.
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Medical payments to others
Can help with a guest’s medical bills after an injury in your home, regardless of fault, up to a smaller limit.
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Valuables
Jewelry, collectibles and some electronics may have lower limits in a standard policy; scheduling them separately may be available.
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Pet-related liability
Liability coverage may help if your dog injures someone, though some policies limit or exclude certain situations or breeds.
Renters coverage, limits and exclusions vary by policy and are subject to underwriting. Flood and earthquake are generally excluded. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
Choices That Shape a Renters Policy
Renters policies are flexible. Depending on eligibility, these choices may be available. We’ll talk through which ones matter for you:
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Replacement cost or actual cash value for your belongings
- A deductible that fits your budget
- Higher liability limits, or an umbrella policy on top
- Scheduled coverage for an engagement ring, camera gear or a collection
- Adding your renters policy to your auto policy, where a multi-policy discount may be available
Around Mt. Juliet
Renting in Mt. Juliet
Mt. Juliet works well for renters who commute. Mt. Juliet has a stop on the WeGo Star commuter rail line between Lebanon and downtown Nashville, and I-40 is a quick hop from most apartment and townhome communities around Mt. Juliet Rd and Providence.
Many leases now ask tenants to carry renters insurance and to list the property manager as an interested party. If yours does, send me the lease language and we’ll make sure the policy matches what they’re asking for.
Middle Tennessee’s spring storms and the occasional burst pipe in a cold snap are the kinds of things renters don’t think about until the morning after. Having your belongings and temporary housing covered can make a bad week a lot more manageable.
Sources: Insurance Information Institute: renters insurance · WeGo Public Transit: WeGo Star commuter train · FEMA FloodSmart: buying a flood policy
Does my lease require it?
If your lease requires renters insurance, it may also set a minimum liability limit or ask to be listed on the policy. Bring the lease or the property manager’s email and we’ll match the requirement.
Areas we serve
Areas I Serve
I help renters in Mt. Juliet (37122 and 37138), Hermitage, Lebanon, Gallatin, Hendersonville, Watertown and across 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.
I also work with neighbors just down the road: renters coverage in Hermitage, Lebanon renters coverage, renters insurance in Nashville and Gallatin renters insurance.
Why a local agent
Why Renters Work with a Local Agent
- Lease requirements handled: we’ll match the liability limit and interested-party wording your landlord asks for.
- Quick answers: renters coverage doesn’t need to be complicated, and you can reach a real person.
- Renters and auto together: we can look at both in one call.
- Help after a loss: if something happens, my office can help you understand the next steps.
- Ready when you buy: when you’re ready to own, we can talk through home or condo coverage, too.
Reviews
What Mt. Juliet Neighbors Say
Renters, first-time buyers 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 Renters Insurance FAQs
Updated
Doesn’t my landlord’s insurance cover my belongings?
Generally, no. A landlord’s policy is designed to cover the building and the owner’s liability. Your personal belongings and your own liability usually need their own coverage, which is what renters insurance is for.
What does renters insurance usually cover?
Most renters policies combine personal property, personal liability, loss of use and medical payments to others. Each part has its own limit and terms, and some causes of loss, like flood, are excluded. We’ll go over what yours includes.
Are my things covered outside my apartment?
Many renters policies extend personal property coverage to belongings away from home, such as items stolen from your car or a hotel room, subject to the policy’s terms and limits. The details vary, so it’s worth asking before you need it.
My lease requires renters insurance. What do I need?
Leases often require a minimum liability limit and may ask that the landlord or management company be listed as an interested party, so they’re notified if the policy changes. Send me the lease language and we’ll match it.
Does renters insurance cover roommates?
Usually only the people named on the policy, and sometimes resident relatives, are covered. A roommate who isn’t related to you typically needs a separate policy. Rules vary by policy, so we’ll check how yours handles it.
Is flood covered by renters insurance?
No. Renters policies generally exclude flood. Renters can buy flood coverage for their belongings through the National Flood Insurance Program or a private policy, where available. A new NFIP policy typically has a 30-day waiting period, with limited exceptions.
What’s the difference between replacement cost and actual cash value?
Replacement cost can help pay to replace an item with a new one of like kind and quality. Actual cash value subtracts depreciation, so an older TV or couch may be worth much less. The choice affects both your claim payment and your premium.
Can I add renters insurance to my auto policy?
Many people keep renters and auto with one agent. Depending on eligibility, a multi-policy discount may be available. We’ll look at what applies before you change anything.
How fast can I get covered before move-in?
Often fairly quickly, but coverage doesn’t start until a policy is issued and effective. Call 615-562-5100 or use the form a few days before your move-in date, and have your new address and lease requirements handy.
Get a Mt. Juliet Renters Insurance Quote
Call 615-562-5100 or use the form below. It helps to know your address, a rough value of your belongings and any lease requirements.
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