Home and auto insurance in Hermitage, TN
Hermitage is a community in eastern Nashville on J. Percy Priest Lake, and the 37076 ZIP reaches a short way into Wilson County. 48% of households here rent, and a third of homes are in buildings with 5 or more units.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Boat coverage for J. Percy Priest Lake
Hermitage 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 37076.
Renters need their own policy
48% 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.
Condo and townhome owners: read the master policy
A third of homes here are in buildings with 5 or more units, and about 1 in 11 is a townhome. If you own one, the association's master policy decides where your own coverage starts, so read it before you set limits. Loss assessment coverage pays your share of a covered assessment; the standard form pays $1,000, and you can buy more.
Check your wind and hail deductible
On March 3, 2020, a tornado passed through Hermitage, and the National Weather Service rated its damage there EF-2. Some policies carry a separate deductible for wind or hail, written as a percentage of the dwelling limit. At 2% on a $350,000 dwelling limit, you'd pay the first $7,000 of a storm claim. Find yours on the declarations page before storm season.
Davidson or Wilson County changes the rebuild number
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. About 8% of this ZIP's land is in Wilson County, where the same house comes to about $365,000. The median home here is valued at $384,400, land included. Set the dwelling limit from rebuild cost.
Free tool
What would your Hermitage 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 →J. Percy Priest Lake
Boat insurance on J. Percy Priest 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.
J. Percy Priest Lake is managed by the U.S. Army Corps of Engineers. Federal rules require a Corps shoreline use permit for any private structure in the lake's waters, and each lake's shoreline plan decides where private docks may go, if anywhere. Ask the lake's resource manager's office before you buy or build expecting a dock. If you keep your boat at a marina, ask how your boat policy covers it there.
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.