Hermitage Home Insurance from an Agent Just Down I-40

Absolutely. My office is at 1982 Providence Pkwy Ste 257 in Mt. Juliet, a short drive east of Hermitage, and I work with homeowners throughout eastern Davidson County. Most of the work happens by phone or email, and you’re welcome to stop by Monday through Friday, 8am to 5pm.

Not under a standard homeowners policy, which generally excludes flood. Flood insurance is a separate policy, and a new National Flood Insurance Program policy typically has a 30-day waiting period. Being near the lake doesn’t automatically mean you’re in a high-risk zone, so let’s check your address on FEMA’s flood maps together.

Homeowners policies work the same basic way in Davidson and Wilson counties, but your specific property still matters. Your home’s age, construction, roof and other details all factor into how a policy is written. Tell me about your house, and we’ll go over coverage that fits it, line by line.

Often, yes. An association’s master policy usually covers shared areas and parts of the building, but what it includes varies. A condo policy can help cover your unit’s interior, your belongings, loss of use and your personal liability. Bring your association’s coverage details, and we’ll look for any gaps.

Flood coverage is a separate policy for rising water from outside, like an overflowing river or heavy rain covering the ground. Water backup coverage is typically an endorsement on a homeowners policy for water that backs up through a sewer or drain. They do different jobs, and many homeowners consider both.

Wind damage, including from a tornado, is commonly covered on homeowners policies, and a tree that falls on your house during a covered storm is often covered too, subject to your deductible and terms. Tree and debris removal may have separate limits. I’ll help you understand how your policy handles storm damage.

Personal liability coverage can help if you’re found legally responsible for a guest’s injury, including legal defense costs, up to your limits. Medical payments to others can help with a guest’s smaller medical bills regardless of fault. Limits vary, so let’s make sure yours fit how you use your home.

It’s possible. Depending on your policies and eligibility, a multi-policy discount may be available when your home or condo and your auto are written together. Either way, one agent reviewing both can help spot coverage gaps between them. I’ll go over what applies to you first, with no obligation.

Have your Hermitage address, the year your home was built, the approximate age of the roof, square footage and your current declarations page if you have one. Condo owners should bring their association’s coverage details. Call 615-562-5100 or use the form on this page, and my office will follow up.