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tennessee renters insurance

When some people think about Tennessee living, it's easy for them to picture a palatial country estate and a stable or two.

In reality, though, over 500,000 residents rent rather than own in the Volunteer State. And a lot of that has to do with the vibrant, entertaining, and affordable cosmopolitan lifestyle available in hubs like Memphis and Nashville.

If you fancy yourself more of a Tennessee urbanite than a cowboy, few things can make you happier than renting a place near the action of Beale Street, the live tunes of the Music City, or the many metropolitan delights around the state. And nothing can make you more secure while doing so than Tennessee renters coverage from Esurance.

do i need renters insurance in tennessee?

Renters insurance isn't legally required. But it is becoming increasingly common for landlords to require tenants to purchase renters coverage as part of the lease agreement.

Even if it isn't mandated by your landlord, keep a couple of things in mind:

  • The landlord protects the structure of your place, plus items that stay in the unit like countertops, light fixtures, doors, the dishwasher, etc. However, they usually don't cover your personal belongings, such as clothing and electronics, if they're stolen or damaged.
  • Your landlord probably won't offer any liability protection if someone is injured in your place and decides to sue.

In many ways, you're on your own when it comes to protecting yourself and your stuff. With apartment renters insurance, you can have some welcome backup in case accidents happen in your place.

coverage for renters in tennessee

With renters insurance, you can enjoy:

Protection for your stuff
Renters insurance covers your belongings inside and away from home. For instance, if your valuables are stolen from the trunk of your car, renters insurance helps recover your losses.

Liability protection
If others' injuries or property damage turn into a lawsuit against you, liability protection can cover legal expenses and help guard your assets.

Medical payments for others
Accidents happen; and if they happen to guests in your home, renters insurance can help keep injury bills from threatening your savings.

Additional living expenses
If a covered risk like a windstorm damages your place to the point that it's uninhabitable, renters coverage helps pay incremental living costs (food, shelter, etc.) until your home is repaired.

And this is just for starters. By adding Esurance renters coverage to your car insurance quote or existing auto policy, you'll become eligible for the Renters Plus® discount — and score savings on your premium.*

Disasters covered by your Tennessee renters insurance

Some risks covered in the state include:

  • Fire
  • Smoke
  • Wind
  • Explosion
  • Burglary
  • Vandalism

Your policy will likely not cover damage caused by flooding. But if a pipe bursts in your apartment and damages your valuables, renters insurance kicks in.

renter risks in tennessee

Here are a couple of ways this coverage can work specifically in your neck of the woods.

Renters insurance for Tennessee college students

The Volunteer State is loaded with awesome colleges — from the University of Tennessee to Vanderbilt University. And if you thought renters coverage was too expensive to afford on a student budget, think again! With renters coverage from Esurance, you can get crucial protection for your valuables for about $10 a month on average.**

Depending on the type of accommodation they're living in, students are sometimes covered by their parents' homeowners insurance. But in many circumstances, renters insurance can be the best option. Check out more information on renters insurance for college students.

Coverage in the city

Living in the big city can be fun, but it does come with risks, such as burglary, due to increased population density. Luckily, renters insurance in Nashville and Memphis can cover your possessions at home or on the go, so you can rest easy.

Related links

Tennessee car insurance
Get the lowdown on car insurance discounts in Tennessee.

A renter's guide to tenant rights.
Get better acquainted with your rights as a renter.

Get a renters insurance quote and see how much you can save.

or call 1-866-439-5633