Home and auto insurance in Hendersonville, TN
Hendersonville sits on Old Hickory Lake in Sumner County. The 37075 ZIP is about half inside the city limits, with Shackle Island and other unincorporated areas making up most of the rest.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Boat coverage for Old Hickory Lake
Hendersonville 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 37075.
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.
Know what's behind the walls
About a third of homes here were built in the 1970s and 1980s. Polybutylene plumbing went into many homes built from the late 1970s into the mid-1990s, and some carriers decline or surcharge homes that still have it. Aluminum branch wiring went into some homes built from 1965 to 1973. If you've replaced either, tell us when.
Rebuild cost and liability at these values
The median owner-occupied home here is valued at $440,800. 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. Set the dwelling limit from rebuild cost, then check liability against our guideline: 2.5 times household income or net worth, whichever is greater.
Free tool
What would your Hendersonville 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.