Old Hickory began in 1918 as a planned company town, built quickly around a DuPont gunpowder plant on a bend of the Cumberland River. Today it is a Nashville community with a historic village, lake neighborhoods, and quiet streets in the northeast corner of Davidson County. Eric Henry, Insurance Agent with Hutsenpiller Insurance, helps people in Old Hickory compare home, boat, car, and life coverage in plain English.
Old Hickory is part of Nashville; see Insurance in Nashville, TN for the county as a whole. Call or text 615-808-1105, or schedule a call with Eric.
Insurance considerations in Old Hickory
The homes in the historic village are more than a century old. They were built of pine in a handful of set designs, mostly Colonial Revival and bungalow styles, and most have been resided and updated over the years. That history matters for insurance. Insurers will ask about the roof, wiring, plumbing, and heating. Rebuilding a house with period details can cost more than a newer house of the same size. Ordinance-or-law coverage helps if a repair has to meet current codes. Before the conversation, gather the dates of any big updates.
Farther from the village, there are later mid-century homes, newer subdivisions, and lake houses. A lake home often comes with a dock, a boat, and guests, which raises questions about boat insurance, liability, and whether a personal umbrella policy makes sense.
Neighborhoods and the housing mix
- The Old Hickory Village historic district, the original “Permanent Village” between Hadley Avenue and Riverside Drive, listed on the National Register of Historic Places, with homes built in 1918 for plant supervisors and staff.
- The streets around the village, with houses from the late 1920s and 1930s that have been changed more over time.
- Lakefront and lake-view neighborhoods along Old Hickory Lake, where docks, boats, and slopes down to the water are common.
- Newer subdivisions off Old Hickory Boulevard and the roads toward Hermitage and Madison.
Commutes and car insurance
Old Hickory Boulevard is the main road, connecting to Hermitage, I-40, and Madison, with Briley Parkway and Ellington Parkway for trips downtown. Commutes are longer than from close-in Nashville neighborhoods. A car insurance review should cover uninsured motorist coverage and, if you tow a boat, how your auto and boat policies work together.
Weather, flood, and other local risks
Old Hickory Lock and Dam, finished in the 1950s, holds back Old Hickory Lake near the village. In May 2010 the dam was overwhelmed, and operators had to open all of the floodgates as the Cumberland rose toward its record crest downstream. The dam helps manage the river, but it does not take flood risk to zero for low ground along the water. Standard homeowners policies do not cover flood. If your home is near the lake, the river, or a creek, check the flood map for your address and ask about flood insurance in Tennessee.
Older homes and big trees also face Middle Tennessee’s thunderstorms, hail, and tornado warnings. Check your wind and hail deductible and water backup coverage. Docks and boat lifts may need their own coverage, so ask how they are handled. After a storm, use this storm-damage claim walkthrough.
Life in Old Hickory
Life here centers on the historic village streets and the lake. Boating, fishing, and long evenings on the water are part of the routine for many families. Hendersonville is right across the lake and Madison and Hermitage are a short drive away.
For local events and things to do, see Eric’s free list: Things to Do in Old Hickory.
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
- 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 · Madison · Hermitage · Donelson · Mt. Juliet