How Much Does Renters Insurance Cost in Nashville, TN?
Nashville pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Nashville's healthcare-music-tourism economy.See our methodology
Renters Insurance Pricing in Nashville, TN
Nashville offers near-average pricing for renters insurance, making it a reasonable market for this service. The local healthcare-music-tourism economy supports a growing labor pool, and the city's 685K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Humid summers increase HVAC and pest demand; severe thunderstorms create periodic roofing surges.
Market-specific factors matter in Nashville: rapid population growth and construction boom have tightened contractor availability; no state income tax keeps living costs moderate.
Nashville has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Nashville vs National Average
What Affects Renters Insurance Cost in Nashville?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Nashville Market Conditions
rapid population growth and construction boom have tightened contractor availability; no state income tax keeps living costs moderate
Local Climate Impact
humid summers increase HVAC and pest demand; severe thunderstorms create periodic roofing surges
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Top-Rated Renters Insurance Pros in Nashville, TN
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Tips to Save on Renters Insurance in Nashville
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Nashville Cost Trends (2020–2024)
Prices have increased +25.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $16 | — |
| 2021 | $17 | +6.3% |
| 2022 | $18 | +5.9% |
| 2023 | $19 | +5.6% |
| 2024 | $20 | +5.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Nashville
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Nashville than other cities?
Nashville's costs reflect local labor rates driven by the healthcare-music-tourism economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The growing labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Popular Services in Nashville
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