Home and auto insurance in East Nashville, TN
East Nashville sits across the Cumberland River from downtown, and the 37206 ZIP takes in Five Points and Lockeland Springs. On March 3, 2020, an EF-3 tornado tracked through East Nashville, according to the National Weather Service.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Home and auto bundled when it saves you money
East Nashville 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 37206.
Older houses need ordinance or law coverage
42% of homes here were built before 1960, and nearly 1 in 4 before 1940. When an older house is damaged, the repair has to meet today's building code, and a standard policy pays only a limited amount for those upgrades. Ordinance or law coverage raises that amount. On a house this age, we usually recommend it. If the wiring, plumbing or roof has been updated, tell us when.
Check your wind and hail deductible
The National Weather Service rated the March 2020 tornado EF-3 in Five Points and EF-2 in Lockeland Springs. Some policies carry a separate deductible for wind or hail, written as a percentage of the dwelling limit. At 2% on a $400,000 dwelling limit, you'd pay the first $8,000 of a storm claim. Find yours on the declarations page before storm season.
Rebuild cost and liability at these values
The median owner-occupied home here is valued at $600,200. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Davidson County comes to about $403,000. Set the dwelling limit from rebuild cost, then check liability against our guideline: 2.5 times household income or net worth, whichever is greater.
Renters and condo owners need their own policy
Half the households here rent, and about 3 in 10 homes are in buildings with 5 or more units. A renters policy covers your belongings, your liability and a place to stay after a covered loss. If you own a condo, your policy covers what the association's master policy leaves to you, so read the master policy first.
Free tool
What would your East Nashville home cost to rebuild?
Our calculator uses Davidson 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 →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.