Insurance in Donelson, Tennessee

Donelson sits east of downtown Nashville, between the Cumberland and Stones rivers, with Nashville International Airport on one side and the Opryland area on the other. Eric Henry, Insurance Agent with Hutsenpiller Insurance, helps Donelson homeowners, renters, and business owners compare home, car, business, and life coverage in plain English.

Donelson is part of Nashville; see Insurance in Nashville, TN for the countywide view. Call or text 615-808-1105, or schedule a call with Eric.

Insurance considerations in Donelson

Much of Donelson was built in the 1950s and 1960s, so brick ranch homes on good-sized lots are common. Many have been updated, and some have been replaced with larger new homes. On an older ranch, the roof, electrical panel, and plumbing all affect your coverage options. On a renovated or rebuilt home, the dwelling limit should match today’s cost to rebuild, which is often much higher than when the house was last insured.

Donelson’s location near the airport, Opryland, and downtown makes it popular with renters and with people who buy a second property to rent out. If you rent a home to a long-term tenant, use rental dwelling insurance. If you rent to short-term guests, read up on short-term rental insurance in Nashville first, because a regular homeowners policy may not respond. Tenants can protect their things with renters insurance.

Restaurants and shops along Lebanon Pike and in the older Donelson commercial strips often need general liability or a business policy.

Neighborhoods and the housing mix

  • Donelson Hills and Lincoya Hills, established neighborhoods of mid-century homes with mature trees.
  • Stanford Estates and the streets off McGavock Pike, more ranch homes, many updated or rebuilt.
  • Pennington Bend and the Opryland area, between the Cumberland River and Briley Parkway, with apartments, hotels, and some homes near the water.
  • The Lebanon Pike and Donelson Pike corridors, with shops, restaurants, apartments, and the WeGo Star train station.

Commutes and car insurance

Donelson has quick access to I-40, Briley Parkway, Lebanon Pike, and Donelson Pike, plus the WeGo Star commuter train toward downtown and Wilson County. Airport traffic and event crowds around Opryland add congestion. Check that your car insurance has solid liability limits and uninsured motorist coverage, and ask about rental car coverage if you fly often and park off-site.

Weather, flood, and other local risks

Donelson is shaped by water. The Stones River runs down from J. Percy Priest Dam, through Two Rivers Park, and into the Cumberland. In May 2010 the Cumberland flooded the Opryland Hotel and Opry Mills. Flood is not covered by a standard homeowners or renters policy, so if you are near the river, a creek, or low ground, check the flood map for your address and ask about flood insurance in Tennessee.

On March 3, 2020, a tornado crossed Donelson Hills and Lincoya Hills and strengthened again in Stanford Estates, where several homes were destroyed. When you review your policy, look at the wind and hail deductible, additional living expenses for time out of your home, and debris and tree removal. The storm-damage claim walkthrough explains what to do first after a storm.

Life in Donelson

Two Rivers Park is the neighborhood’s big backyard, with a golf course, a dog park, the historic Two Rivers Mansion, and the Stones River Greenway, which connects to Shelby Bottoms over the Cumberland River pedestrian bridge. The Grand Ole Opry, Opry Mills, and the Gaylord Opryland resort are close by, and the community takes its name from John Donelson, one of Nashville’s founding settlers.

For local events and things to do this week, see Eric’s free list: Things to Do in Donelson.

How Eric can help

Eric will explain what a policy covers, what it does not, and the questions worth asking, then compare options from more than one insurance company so you can decide. You work with him directly.

Call or text 615-808-1105, or schedule a call with Eric.

Eric Henry is licensed in Tennessee, NPN 3953608, and is affiliated with Hutsenpiller Insurance. Coverage in Alabama, Kentucky, and Texas is quoted and written through Hutsenpiller Insurance, LLC and its agents licensed in those states.

Nearby communities

Nashville · Hermitage · Old Hickory · Madison · Antioch · Mt. Juliet