Home and auto insurance in Gallatin, TN
Gallatin is the Sumner County seat, on the north shore of Old Hickory Lake. In the 37066 ZIP, 38% of homes were built since 2010, and 36% of households rent.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Boat coverage for Old Hickory Lake
Gallatin 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 37066.
A newer home still needs a rebuild number
38% of homes here were 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 Sumner County comes to about $365,000. The median home here is valued at $405,400, land included. Set the dwelling limit from rebuild cost.
Builder defects are a warranty issue
A homeowners policy excludes faulty workmanship and defective materials. If a bad install leads to covered damage, such as a fire, the damage can be covered, but fixing the defect itself falls to the builder's warranty. Keep your warranty papers and closing documents together.
Renters need their own policy
36% of households here rent. Your landlord's policy covers the building only. A renters policy covers your belongings and your liability if a guest gets hurt, and it pays for a place to stay if a covered loss makes your home unlivable.
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 Gallatin home cost to rebuild?
Our calculator uses Sumner 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 →Old Hickory Lake
Boat insurance on Old Hickory 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.
Old Hickory Lake is managed by the U.S. Army Corps of Engineers. A private dock needs a Corps shoreline use permit, and the lake's shoreline management plan sets where private docks may be approved. Permits generally run 5 years and end when the dock is sold, so a buyer needs a new one. 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.