Rodgers Insurance AgencyMt. Juliet, TN
615-562-5100 Get a Quote

Short-term rental insurance · Mt. Juliet, TN

Short-Term Rental Insurance for Mt. Juliet Hosts

Renting your place by the night or the week changes your insurance picture. I’ll help you figure out whether your current policy fits, and what to look at if it doesn’t.

Call 615-562-5100 Get a Quote

1982 Providence Pkwy Ste 257, Mt Juliet, TN 37122 Mon–Fri 8:00 AM–5:00 PM

Four members of the Rodgers Insurance Agency team in business attire, smiling indoors

Dustin Rodgers and team
Local short-term rental insurance help from our Mt. Juliet office

Your local agent

Hosting is a business. Your coverage should know that.

Between the lakes, Nashville next door and plenty of visitors in town for weddings, games and family, Mt. Juliet has plenty to offer guests. What many hosts don’t realize is that a standard homeowners policy may treat regular paid stays as a business activity, and may limit or exclude coverage for them. Platform protections can help in some situations, but they aren’t the same as your own policy. Before you list, or if you already have, let’s look at how your place is used and what coverage options may fit.

Coverage

What Short-Term Rental Coverage Can Include

Short-term rental coverage may come as an endorsement on a home policy or as a separate policy, depending on how often you host and what’s available. It can include:

  • Dwelling

    Can help repair the home after a covered loss while it’s being rented, which a standard policy may not cover for regular rentals.

  • Host liability

    Can help if a guest is injured and you’re found responsible, including defense costs, up to your limits.

  • Lost rental income

    Can help replace booked income you lose while covered damage is repaired, where available.

  • Contents you provide

    Can help with the furniture, linens and appliances you supply for guests.

  • Guest damage

    Some policies address damage caused by guests; others exclude it or limit it. The wording matters.

  • Theft by guests

    Many standard policies restrict theft coverage when the home is rented. Some host coverage may address it.

Availability depends on how often you rent, whether you live there, local rules and underwriting. Coverage is subject to policy terms; platform host programs are separate from your 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 Shapes a Host’s Coverage

I’ll ask a few questions to see which type of coverage fits. These are the big ones:

Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.

  • Is it your primary home, a second home, or a property you only rent out?
  • How many nights a year is it rented, and to how many guests at a time?
  • Do you offer a pool, hot tub, boat dock, kayaks or other extras?
  • Is it a condo or in an HOA with its own rental rules?
  • Does your mortgage lender need to approve a rental use?

Around Mt. Juliet

Hosting in Mt. Juliet

Short-term rentals can be subject to city or county zoning rules. Before you list, check with the City of Mt. Juliet’s Planning and Zoning office so you know the rules for your address. If you’re outside city limits, check with Wilson County instead.

If your place is close to Old Hickory Lake or Percy Priest Lake, that’s great for guests and worth mentioning to your agent. Docks, boats, kayaks and swimming areas can all affect liability coverage.

Condos, townhomes and HOA neighborhoods often have their own rental rules, and a rental can affect the association’s master policy. Read your HOA documents before your first booking.

Sources: City of Mt. Juliet Land Development Code · City of Mt. Juliet: Planning & Zoning · Insurance Information Institute: coverage for renting out your home

Check local rules before you list

Zoning, HOA rules and tax registration are separate from insurance, but they affect it. Check with Mt. Juliet Planning and Zoning (or Wilson County outside city limits) and your HOA, then let’s set up coverage that matches how the property is actually used.

Areas we serve

Areas I Serve

I work with hosts 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.

Why a local agent

Why Hosts Work with a Local Agent

  • We ask how you host: nights per year, number of guests and extras like a dock or hot tub all matter.
  • Honest about gaps: I’ll tell you where a home policy may fall short for hosting.
  • Host, home and auto together: your personal policies and rental can be reviewed side by side.
  • Help after a loss: my office can help you understand the next steps with a claim.
  • Local: we know Mt. Juliet, the lakes and what draws guests here.

Reviews

What Mt. Juliet Neighbors Say

Hosts, 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.

Read our Google reviews Leave a Google review
Dustin Rodgers, owner of Rodgers Insurance Agency

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 Short-term Rental Insurance FAQs

Updated

Does my homeowners policy cover guests who rent my home?

Maybe not. A standard homeowners policy may cover an occasional rental if your insurer knows about it, but regular paid stays are often treated as a business activity and may be limited or excluded. Tell your insurer before hosting and let’s look at what your policy says.

Isn’t the booking platform’s host protection enough?

Platform protection programs can help in some situations, but they have their own terms, limits and exclusions, and they aren’t the same as a policy written for you. Many hosts carry their own coverage as well. We can compare what each one does.

What’s the difference between short-term rental and landlord insurance?

Landlord, or dwelling, policies are designed for long-term tenants on a lease. Short-term rental coverage is designed for frequent, short stays with guests coming and going. Which one fits depends on how the property is rented.

Does Mt. Juliet allow short-term rentals?

Rules can depend on where the property is and how it’s zoned. Check with the City of Mt. Juliet’s Planning and Zoning department for your address. Outside city limits, check with Wilson County.

Is guest damage covered?

It depends on the policy. Some host coverage addresses damage caused by guests, while other policies exclude intentional damage or theft by guests. Security deposits and platform programs may help, too. We’ll read the wording together.

Can I get coverage for lost bookings after a covered loss?

Some short-term rental coverage includes lost rental income if covered damage makes the property unavailable, subject to limits and waiting periods. Availability varies, so ask about it when we look at options.

My rental is a condo. Anything special?

Yes. Your HOA may restrict short-term rentals, and the master policy may have conditions about rentals. Your own condo policy needs to reflect the rental use, too. Bring the HOA documents and we’ll start there.

I have a dock and kayaks for guests. Does that matter?

It does. Docks, boats, watercraft, pools and hot tubs can increase liability exposure, and some policies limit or exclude them for guests. Tell me about every extra so the coverage matches. An umbrella policy may also be worth discussing.

What do I need to talk about short-term rental coverage?

The property address, whether you live there, how many nights a year it’s rented, guest limits, any extras like a dock or hot tub, HOA rules and your current declarations page. Call 615-562-5100 or use the form.

Talk Through Short-Term Rental Coverage

Call 615-562-5100 or use the form below. Have the property address, how often it’s rented, the number of guests you allow and your current policy’s declarations page.

By submitting this form, I agree that Rodgers Insurance Agency may contact me by phone, text message or email about my insurance quote request, including with automated technology, at the number and email I provided. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out of texts.

SMS Terms Privacy

Submitting this form does not bind coverage. Please don’t send Social Security or payment information through this form.

Stop By or Call Our Mt. Juliet Office

Have a question about short-term rental 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.

Call 615-562-5100 Get directions
Address
1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122
Directions
Providence area, second floor, same building as Oscar’s Taco Shop
Hours
Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed
Call 615-562-5100 Get a Quote