Independent Insurance Advisor Serving Hermitage, Tennessee

Most Hermitage homeowners figure the lake is a perk and nothing more. For insurance, it is also a list of questions. Percy Priest Lake covers about 14,200 acres across Davidson, Rutherford and Wilson counties and is run by the Army Corps of Engineers. It has a dozen boat ramps and several marinas. That means a lot of Hermitage garages hold a boat, a trailer, a jet ski or all three.

Here is the part people miss. A homeowners policy often gives a boat very limited coverage, and some leave it out once the motor gets past a certain size. Liability on the water is its own question too. If a guest gets hurt on your boat, you want to know before that day which policy answers.

Water on the ground is the other half. Hermitage sits next to the Stones River and its bottom lands. Flood is not covered by a standard homeowners policy, per the National Flood Insurance Program, and a new flood policy usually takes 30 days to start. We check where your home sits and whether flood coverage makes sense for you. Earthquake is the same story. Tennessee regulators say standard home policies do not cover it. It is a separate decision, and we make sure you actually make it.

The common line is that a car policy is a car policy. In Hermitage it depends on how you use the car. Interstate 40 and U.S. 70 both run through Hermitage toward downtown, and Old Hickory Boulevard carries a lot of the local driving. Add a boat trailer on summer weekends and your liability picture changes.

When you ask for car insurance quotes in Hermitage, TN, we start with the declarations page you already have. We check your liability limits, your uninsured motorist coverage and whether your trailer and towing use are listed correctly. If you have teen drivers, we check how they are rated. If your home value has climbed, we look at whether an umbrella policy fits.

We are not tied to one company, so we can look at the whole household. The goal is a policy that fits the life you actually live here.

A lot of Hermitage owners think a storm is the landlord's problem. The March 3, 2020 tornado showed otherwise. The meteorologists and engineers who surveyed the damage documented a church and childcare center on Dodson Chapel Road that were torn apart, and a strip shopping center and apartment buildings along Old Hickory Boulevard that took roof and siding damage. The building may be the landlord's. Your equipment, your inventory and the weeks you cannot open are yours.

Good Hermitage commercial coverage starts with your lease and who is responsible for what. Then we look at your business property limit, your business income coverage and your general liability. If you have employees, we check workers compensation against Tennessee rules. If you run the business from home, we check whether your homeowners policy covers any of it, because it usually covers very little.

Hermitage home liability insurance ties into all of this. If clients visit your house for business, or you rent part of it out, those are the details that decide whether a claim gets paid.