Renters Insurance in Hendersonville, TN—Affordable Protection for What You Own

Your Landlord’s Insurance Doesn’t Cover You—But Renters Insurance Does

A common misconception is that your landlord’s insurance protects your personal belongings. It doesn’t. Renters insurance is the simple, affordable way to protect your furniture, electronics, clothing, and more—plus your personal liability. In Hendersonville, Nashville, and across Tennessee, many landlords now require renters insurance in lease agreements. Even when it’s not required, it’s one of the smartest protections you can buy.



In most cases, renters insurance costs less than $15 per month and can save you thousands if something goes wrong.

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What Renters Insurance Covers

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Personal Property Coverage

Protects your belongings from covered events like fire, theft, vandalism, and some water damage—even when items are outside your apartment, such as in your car or while traveling.

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Personal Liability Coverage

Covers legal and medical expenses if someone is injured in your rental or if you accidentally cause damage to another unit, such as a water overflow.

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Loss of Use / Additional Living Expenses

Pays for temporary housing and extra costs if your apartment becomes uninhabitable due to a covered loss.

Important Note:

Renters insurance does not cover the building itself—that’s your landlord’s responsibility. It protects you, your belongings, and your financial liability.

Big Protection for a Small Monthly Cost

Renters insurance is one of the most affordable types of insurance available. In Tennessee, policies often average $150–$200 per year, depending on coverage limits and location. For the price of a few cups of coffee each month, you can protect tens of thousands of dollars in personal property.


Even better—bundling renters insurance with your auto policy can unlock multi-policy discounts that may lower your overall insurance cost.

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What Renters Ask Most

  • Is renters insurance required in Tennessee?

    It’s not required by law, but many landlords require it—and it’s strongly recommended regardless.

  • Does renters insurance cover theft outside my apartment?

    Yes. Personal property coverage often follows your belongings, even outside your rental.

  • What if I have roommates?

    Each renter should have their own policy. Renters insurance typically covers individuals or families—not unrelated roommates together.

  • What about high-value items like jewelry or electronics?

    These may exceed standard limits. We can add endorsements for extra protection.

Get Covered in Minutes—It’s Easier Than You Think

Renters insurance is quick to set up and often takes just a few minutes to quote. Our team makes it simple, clear, and affordable—no pressure, just helpful guidance.

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Coverage for Apartments, Condos, and Rental Homes

Whether you’re renting an apartment in downtown Nashville or a house in Hendersonville or Sumner County, we tailor renters insurance to your situation. Young professionals, families, and long-term renters all benefit from coverage designed to fit their lifestyle—not a one-size-fits-all policy.

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Protect Your Belongings and Your Budget

From electronics and furniture to liability protection, renters insurance gives you peace of mind at a price that fits your budget. The Bill Yon Agency helps renters across Hendersonville, Nashville, and Tennessee get the coverage they need—fast.