Home and auto insurance in Lebanon, TN
Lebanon is the Wilson County seat, and the 37087 ZIP reaches into Smith and Trousdale counties. On March 3, 2020, a tornado crossed into Lebanon and damaged dozens of homes and businesses in the south part of the city, 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
Lebanon 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 37087.
Check your wind and hail deductible
The National Weather Service rated the 2020 tornado's damage in Lebanon 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.
A newer home still needs a rebuild number
About 1 in 4 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 Wilson County comes to about $365,000. In the Smith and Trousdale County parts of this ZIP, the same house comes to about $339,000. Set the dwelling limit from rebuild cost.
Far from a fire station? Know your fire protection class
About 8 in 10 acres of this ZIP lie 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.
Free tool
What would your Lebanon home cost to rebuild?
Our calculator uses Wilson 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.