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What's Covered
Covers your furniture, electronics, clothing, and belongings if they're stolen or damaged by fire, water, or other covered events. Your landlord's policy doesn't cover your stuff.
Protects you if someone is injured in your rental unit and decides to sue. Covers legal fees and damages up to your policy limit.
Pays for temporary housing and living expenses if your rental becomes uninhabitable after a covered loss — like a fire in the building.
Covers minor medical expenses for guests injured in your home, regardless of fault. Helps resolve small claims without involving a lawsuit.
Pricing
Most Tennessee renters pay roughly $15–$25 a month. Published statewide averages range from about $14 to $26 a month, depending on the source and the coverage assumed. Renters in Nashville and Memphis tend to pay toward the higher end; smaller towns toward the lower end. These are the factors that move your price:
The more belongings you insure, the higher the premium. Most renters need $20,000–$40,000 — more than they expect once they add it up.
A higher deductible ($1,000 vs. $500) lowers your monthly cost. Pick one you could comfortably pay out of pocket.
Replacement cost pays to buy new and costs a little more. Actual cash value subtracts depreciation — cheaper, but claims pay far less.
Local theft rates, weather exposure, and distance to a fire station all factor in. City apartments usually price higher than suburban or rural rentals.
Raising liability from $100,000 to $300,000 typically adds only a few dollars a month and is one of the best values in insurance.
Pairing renters with your auto policy often earns a multi-policy discount on both. Security systems, smoke detectors, and claims-free history can help too.
Price ranges are general estimates, not quotes. Your actual rate depends on the carrier, your coverage choices, and underwriting.
Statewide
We're based in Spring Hill, but we're licensed statewide and write renters policies for tenants anywhere in Tennessee — by phone, email, or in person.
Our home base. Fast-growing, with new apartment and townhome communities where landlords commonly require renters coverage at move-in.
Williamson County rentals often hold higher-value furnishings and electronics — worth insuring at replacement cost with adequate limits.
From MTSU students to young professionals, we help first-time renters get affordable coverage — and bundle with auto for extra savings.
Higher rents and urban theft exposure make renters insurance especially important in Davidson County. Rates run toward the higher end of the state range.
Shelby County renters tend to see higher premiums, which makes comparing multiple carriers — what an independent agent does — even more valuable.
College renters near UT and Austin Peay, military families near Fort Campbell, and everyone in between — we write policies statewide.
The Bottom Line
If there's a fire, a break-in, or a burst pipe — your landlord's insurance covers the building. Everything inside your unit — your laptop, TV, furniture, clothes — is your responsibility. Renters insurance fills that gap for a few dollars a month.
FAQ
Most Tennessee renters pay somewhere around $15–$25 per month. Published statewide averages range from roughly $14 to $26 a month depending on the source and the coverage amounts assumed. Your price depends on how much personal property you insure, your deductible, your liability limit, where you live, and whether you bundle with auto — renters in Nashville and Memphis tend to pay toward the higher end.
No Tennessee law requires renters insurance. However, landlords can require it as a condition of your lease, and many apartment communities across Middle Tennessee do. Even when it isn't required, it's usually worth having — the cost is small compared to replacing everything you own.
No. Your landlord's policy covers the building — walls, roof, and structure. Your personal belongings — furniture, electronics, clothing, kitchen items — are entirely your responsibility. Without renters insurance, a fire or theft loss comes completely out of pocket.
Renters insurance covers personal property (theft, fire, certain water damage), liability if someone is injured in your unit, loss of use if your unit becomes uninhabitable, and medical payments to guests. Coverage generally follows your belongings away from home too — like a laptop stolen from your car.
Standard renters policies cover damage to your belongings from windstorms and hail, which includes tornadoes and severe thunderstorms. If a storm makes your apartment unlivable, loss-of-use coverage helps pay for temporary housing. Check your policy's deductible, since that applies to storm claims like any other.
No. Flood damage — rising water from rivers, creeks, or flash flooding — is excluded from standard renters policies. Renters can buy separate contents-only flood coverage through the National Flood Insurance Program (NFIP). If you live near water or in a low-lying area, ask us about it.
Add up what it would cost to replace your belongings — furniture, electronics, clothes, kitchen items. Most renters are surprised the total is $20,000–$40,000 or more. We generally recommend replacement cost coverage (which pays to buy new) rather than actual cash value (which subtracts depreciation), and at least $100,000 of liability.
Usually not automatically. Most policies cover you and relatives who live with you, not unrelated roommates. Each roommate typically needs their own policy — which also keeps one person's claim from affecting the other's insurance history.
You Might Also Need
Bundle renters + auto and many carriers will discount both policies at the same time.
Learn More →Add $1M+ of liability above your renters policy for about the cost of one dinner out per month.
Learn More →Buying a home? We'll transition your renters policy to a full homeowners policy seamlessly.
Learn More →Renters insurance is one of the easiest policies to get. Quote it yourself online in minutes, or let us compare carriers and handle it for you.
