Tennessee Renters Insurance
Enjoy the Best Renters Insurance Coverage at the Lowest Rates
Eagle Insurance & Financial is a Nashville insurance company covering Tennessee. How much does renters insurance cost? Not much at all. Renters insurance provides an affordable and convenient way to protect your belongings in an emergency, and you don’t have to skimp on coverage! In Tennessee, for around 50 cents a day, you can protect your personal liability, electronics, furniture, valuables, and guests. Renters insurance also covers additional living expenses in the event of a disaster. We are based in Nashville, but offer renters insurance in Franklin and other areas of Tennessee.
Meet Owen O’Malley, Nashville TN’s Trusted Renters Insurance Agent
Having worked in the insurance industry for the past 14 years, I know many local families and am a part of the local community. My unique knowledge and understanding of the people in this community helps me go above and beyond for my 5,000+ customers. I look forward to helping families like yours protect what is most important—their families, homes, cars, and more. I’m also here to help you prepare an effective strategy to achieve your financial goals.
I’m proud to work with a company that has been serving satisfied customers for over 90 years. Customers from all around Tennessee count on outstanding financial strength and superior claims service to help protect what they value most. With Allstate, you really are in good hands. In fact, their outstanding financial strength and superior claims service have earned an A+ (Superior) rating by A.M. Best. Quality service, strength and satisfaction—that’s something I’m glad to be a part of. Connect with us via phone, email, or online to request a renters insurance quote!
HOURS: 8:30a-5:30p Monday – Friday
*Saturdays & Evenings by Appointment
OFFICE: 1014 Fulton Greer Ln Suite 2 Franklin, TN 37064
Phone: 615.356.4803 | Fax: 615.356.4831
Claims: 800.361.6126 (Available 24 Hours)
Policy Changes: 800.255.7828 (Available 24 Hours)
Benefits of Renters Insurance in Nashville
Your landlord’s insurance covers their property, not yours. So take matters into your own hands and protect your belongings. Renters insurance covers personal property from theft, fire, vandalism, and plumbing mishaps. It also offers liability protection and some policies may include coverage for additional living expenses should your rented home or apartment become uninhabitable.
In the event of theft or fire, for example, your renters insurance would help you replace your clothing, furniture, electronics, appliances, and more. In the event that the building or neighboring apartments are damaged by your actions or negligence, rental insurance offers liability protection. For example, if an unattended candle sparked a building-wide blaze, or you accidentally left the water in the tub running and it ended up in your downstairs neighbor’s living room, then you’d be protected financially. Optional coverage can cover rare instruments, studio equipment, jewelry, and more.
How Much is Renters Insurance?
Renters insurance delivers great value for the cost. Most policies cost approximately $20 per month or less. So, for less than the price of a weekly coffee habit, you can enjoy the peace of mind that renters insurance delivers. Looking for affordable renters insurance? Get a Quote from Eagle Insurance & Financial! We offer the best prices for renters insurance in Nashville.
Can You Share a Renters Insurance Policy?
While some companies allow roommates to split the cost of a policy, it may be wise to consider separate policies. For approximately 50 cents per day, renters insurance covers all of your possessions and personal liability. In the grand scheme of things, that’s a modest investment. Furthermore, with an individual policy you don’t need to worry about false or excessive claims on your account, nor will you have to modify your policy in the event that your roommate unexpectedly moves out before the end of your lease.
What’s the Difference Between Actual Value and Replacement Value?
Actual cash value is the cost of replacing your belongings, less depreciation. So if your computer cost $2000, but you bought it 5 years ago, it may only be worth about $750 today. Replacement value allows you to replace your belongings with new goods, up to a certain maximum dollar amount. Discuss your options with your agent to decide which is best for you.
My Apartment is Covered by My Landlord’s Policy, Why Do I Need Renters Insurance?
While the structure you live in and pay rent on is covered by your landlord’s property insurance, renters insurance covers the contents of your apartment as well as your personal liability. In the event of theft or fire, for example, your renters insurance would help you replace your clothing, furniture, electronics, appliances, and more. In the event that the building or neighboring apartments are damaged by your actions or negligence, rental insurance offers liability protection. For example, if an unattended candle sparked a building-wide blaze, or you accidentally left the water in the tub running and it ended up in your downstairs neighbor’s living room, then you’d be protected financially.
I Don’t Own Much. Is Renters Insurance Worth It?
Absolutely. Even if you live a minimal lifestyle, you’d be surprised at the replacement value of your possessions. An insurance agent can help you assess the right level of coverage that corresponds with your needs.
Will Renters Insurance Cover the Cost of Replacing My Computer?
If your computer, TV, or other electronics were damaged as a result of fire, theft, or vandalism, then your policy will cover it. If your computer died after a long and productive life, or from negligence or misuse, then your policy will not cover the cost of replacement.
Get a Renters Insurance Quote
Whether you need renters insurance for your Tennessee apartment, home, or condo, Eagle Insurance & Financial can help. For a free quote, contact us online or give us a call today at 615.356.4803. To learn more, read our blog, “The Fundamentals of Renters Insurance.”