Hermitage is on the far east side of Davidson County, between Donelson and Mt. Juliet, and takes its name from Andrew Jackson’s home. It has subdivisions, condos and apartments, and quick access to Percy Priest Lake. Eric Henry, Insurance Agent with Hutsenpiller Insurance, helps Hermitage families and business owners compare home, car, boat, and life coverage in plain English.
Hermitage is part of Nashville; see Insurance in Nashville, TN for the countywide picture. Call or text 615-808-1105, or schedule a call with Eric.
Insurance considerations in Hermitage
Much of Hermitage is suburban: traditional subdivision houses from several decades, a few newer neighborhoods, and condos and townhomes near the commercial areas. For a house, the main questions are a dwelling limit that matches current rebuilding costs, the age of the roof, and whether water backup is on the policy. For a condo or townhome, start with the HOA master policy so you know what your own policy has to cover, including walls-in improvements and loss assessments.
Percy Priest Lake brings boats, kayaks, and lake days into the picture. A homeowners policy gives little or no coverage for most boats, so a separate boat insurance policy is often the right fit. If friends are on board or at your house often, a personal umbrella policy adds liability protection above your home, car, and boat.
Medical offices near TriStar Summit Medical Center and shops along Old Hickory Boulevard and Lebanon Pike are common small-business clients for general liability and business insurance.
Neighborhoods and the housing mix
- The Old Hickory Boulevard and Lebanon Pike area, the commercial center, with shops, medical offices, condos, and apartments.
- Neighborhoods off Central Pike and Tulip Grove Road, mostly single-family subdivisions with a few newer communities.
- The Andrew Jackson Parkway side, toward the Cumberland and Old Hickory Lake, with established neighborhoods around The Hermitage.
- The Percy Priest Lake side, toward the dam and Bell Road, where some homes sit close to the lake and the greenway.
Commutes and car insurance
Most Hermitage commuters use I-40, which can back up toward downtown in the morning, plus Old Hickory Boulevard, Lebanon Pike, and Central Pike. The drive to Mt. Juliet and Wilson County is short. Review your car insurance, including uninsured motorist coverage and, if you tow a boat, how the trailer is covered.
Weather, flood, and other local risks
The Stones River was dammed to form Percy Priest Lake, with J. Percy Priest Dam finished in 1968 largely for flood control. Below the dam, the river winds toward the Cumberland past parks and neighborhoods. The dam lowers flood risk, but low ground near the lake, the river, and creeks can still take on water in a big rain, as much of Davidson County saw in May 2010. Standard homeowners policies do not cover flood, so check the flood map for your address and ask about flood insurance in Tennessee.
The March 2020 tornado continued through Hermitage after leaving Donelson, damaging homes and businesses before it crossed into Wilson County. Review your wind and hail deductible, roof coverage, and additional living expenses. The storm-damage claim walkthrough covers the first steps after a storm.
Life in Hermitage
The Hermitage, Andrew Jackson’s home, is the area’s signature landmark and a National Historic Landmark open to visitors. Long Hunter State Park on Percy Priest Lake has hiking trails and boat ramps, and the Stones River Greenway starts at the dam and runs toward Two Rivers Park in Donelson.
For events and things to do, see Eric’s free list: Things to Do in Hermitage.
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.
- Homeowners insurance
- Boat insurance
- Car insurance
- Personal umbrella insurance
- Rental dwelling insurance
- Business insurance
- Life insurance and mortgage protection
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 · Donelson · Old Hickory · Antioch · Mt. Juliet · Lebanon