Independent Insurance Advisor Serving Nolensville, Tennessee

The easy assumption is that flooding is a river problem, and Nolensville is not on a river. The creek says otherwise. Mill Creek begins near Nolensville and runs through the historic downtown the town was built around. During the May 2010 flood, Nolensville recorded more than 13 inches of rain in two days. Mill Creek was the first site of major flooding in that event.

A standard homeowners policy does not cover flood. That comes straight from the National Flood Insurance Program. A new flood policy also usually takes 30 days to start, so you cannot wait for a forecast. We look at where your home sits relative to the creek and its branches and whether flood coverage fits you.

Two more Middle Tennessee gaps belong on the same list. Tennessee regulators say standard home policies do not cover earthquake damage. And many policies now carry a percentage deductible for wind and hail, figured from your dwelling limit instead of a flat number. Neither one is a reason to panic. Both are worth knowing before a claim.

People assume a new house needs less thought on insurance. It usually needs more. Nolensville grew from about 5,900 people in 2010 to about 13,800 in 2020, and passed 15,700 by 2025, per the Census Bureau. Subdivisions like Bent Creek, Winterset Woods and Summerlyn filled in fast. More than nine in ten homes here are owner-occupied.

Here is what we check on newer homes. Whether the dwelling limit reflects what it would cost to rebuild today, not the purchase price. Whether you have replacement cost on your belongings or only actual cash value. Whether additions like a finished bonus room, a pool or a fence ever made it onto the policy. If you live in a neighborhood with an HOA, we also look at what the association insures and what falls to you.

More than a quarter of Nolensville residents are under 18. Families with young kids usually carry more liability risk than they think, from pools and trampolines to teen drivers later on. That is where an umbrella policy sometimes fits. We will tell you plainly if it does not.

The common line is that auto coverage is about the car. In Nolensville it is mostly about the drive. The average commute here is close to 37 minutes each way, per the Census Bureau. A lot of that runs up Nolensville Pike, where the state is widening the road in Davidson County from north of Mill Creek toward Old Hickory Boulevard. Construction zones and long commutes are exactly where liability limits and uninsured motorist coverage earn their keep.

Many Nolensville residents also run a business from the house. Consulting, design, bookkeeping, a trade with tools in the garage. Most homeowners policies cover very little business property and almost no business liability. If a client comes to your home office, or your inventory sits in the basement, that is worth checking.

As an insurance provider serving Nolensville, we are not tied to one company. That lets us look at the home, the cars and the side business together and tell you where they overlap and where they leave a hole.