Home and auto insurance in Ashland City, TN
Ashland City is the Cheatham County seat, on the Cumberland River where it forms Cheatham Lake. The 37015 ZIP reaches into Davidson and Montgomery counties, and 19% of its homes were built since 2010.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Boat coverage for Cheatham Lake
Ashland City by the numbers
The homes here, and what that means for coverage
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates, ZIP code 37015.
A newer home still needs a rebuild number
About 1 in 5 homes here was built since 2010. A purchase price includes the lot, and building costs have changed since then. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Cheatham County comes to about $365,000. About 6% of this ZIP's land is in Davidson County, where the same house comes to about $403,000. Set the dwelling limit from rebuild cost.
Manufactured homes are written differently
About 1 in 9 homes in this ZIP is a manufactured home. Carriers usually insure them on a policy or endorsement made for manufactured homes, and the year built matters. Homes built before June 15, 1976 predate the federal HUD construction code, and some carriers won't write them. Have the HUD label number handy when you call.
Far from a fire station? Know your fire protection class
About 86% of this ZIP's land lies outside any city limits. Insurers use a fire protection class from ISO. A home more than 5 road miles from the fire station that responds to it is generally rated class 10, or 10W if it's within 7 miles and 1,000 feet of a water source. Those classes usually cost more to insure. Tell us the road distance to your station when you quote.
Lake homes carry more liability
Guests, swimmers, docks and boats all add liability that a typical neighborhood home doesn't have. Check your liability limit against our guideline, 2.5 times household income or net worth, whichever is greater, and look at an umbrella that extends to your boat.
Free tool
What would your Ashland City home cost to rebuild?
Our calculator uses Cheatham County construction costs. Enter your square footage and finish level and check the result against Coverage A on your policy.
Run the rebuild calculatorAuto in Tennessee
State minimum: 25/50/25
That's $25,000 per person and $50,000 per accident for injuries you cause, and $25,000 for property damage. Most households need more. Our guideline is liability equal to 2.5 times household income or net worth, whichever is greater.
Every Tennessee auto policy includes uninsured motorist coverage at the same limits as your bodily injury liability, unless the named insured rejects it or picks lower limits in writing. Lower limits can't go below the state minimum. A rejection generally carries over to renewals with the same insurer until you ask for the coverage in writing. If you buy it, you also get the option to add uninsured motorist property damage coverage for your car.
Find your liability number →Cheatham Lake
Boat insurance on Cheatham Lake
On the standard homeowners form, a boat with its motor and trailer is covered for about $1,500, and liability is excluded for most boats with larger motors. A boat policy covers the boat, the motor, the trailer and the liability when something happens at the dock or on the water.
Cheatham Lake is managed by the U.S. Army Corps of Engineers. A private dock needs a Corps shoreline use permit, and the Corps allows private docks only where the lake's shoreline plan opens the shoreline to them. Permits generally run 5 years and end when the dock is sold. Ask how your policy treats your dock; coverage for it isn't always automatic.
Send us your current policy
We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.