Protect your home and business with tailored coverage from Pepper, Johnstone & Company. With over 50 years of experience and access to more than 60 top insurers, we offer flexible and affordable solutions for all your insurance needs.
Home & Commercial Insurance in Nashville
from Pepper, Johnstone & Company
Insurance Solutions Designed for Nashville Residents and Businesses
In a city that blends history, growth, and culture like no other, protecting your home or business in Nashville means choosing insurance that keeps up with both city life and local risks. From storm-related damage in East Nashville to liability concerns in the busy downtown business district, Pepper, Johnstone & Company offers flexible, affordable coverage trusted across Tennessee for over 50 years. Whether you’re a homeowner in Germantown or a business owner in The Gulch, we’re here to help you stay protected.
How Property Insurance Works in Nashville, TN
At its core, property insurance is a financial agreement between you and your insurer. You pay a premium, and in return, you receive protection against certain losses, like property damage, theft, or liability claims. In Nashville, where severe weather events like tornadoes and hailstorms are a real risk, it’s vital to choose coverage designed for the realities of Middle Tennessee.
Our local Account Managers at Pepper, Johnstone & Company work closely with individuals and businesses to create insurance packages that fit your location, lifestyle, or commercial operation.
Tailored Coverage for Nashville Homes and Businesses
Nashville’s real estate and business scenes are diverse, and so are the insurance needs that come with them. Whether you own a single-family home in Sylvan Park, manage a rental near Belmont University, or run a music studio in Berry Hill, we offer policies that meet your specific requirements:
Primary residences & rental properties
Vacation homes & short-term rentals (Airbnb, VRBO)
Retail shops & offices
Restaurants, service businesses, and creative studios
Warehouses, contractors & light manufacturing
From Music Row to Midtown, we’ve got you covered.
Insurance Requirements & Best Practices in Nashville
Does Nashville Require Property Insurance?
Like the rest of Tennessee, there is no legal requirement to carry homeowners or commercial property insurance in Nashville. However, if you have a mortgage or commercial lease, your lender or landlord will almost certainly require it. And with unpredictable storms, flash floods, and dense urban traffic, voluntary coverage is a smart investment.
Key Coverages for Property Owners in Nashville
If you live or operate a business in Nashville, here are the top coverages we recommend:
Homeowners Insurance: Covers your home, belongings, and living expenses after a covered event like a fire, storm, or theft.
Commercial Property Insurance: Protects your physical business assets, equipment, and building.
Flood Insurance: Important in areas near the Cumberland River or with poor drainage—this is not included in standard policies.
Liability Coverage: Covers legal fees and damages if someone is injured on your property or if you’re found legally responsible for damage.
Business Interruption Insurance: Essential for small businesses in busy districts like SoBro or 12 South—this covers lost income during temporary shutdowns.
Auto & Fleet Coverage: For personal and business vehicles navigating Nashville’s growing traffic.
Frequently Asked Questions
Nashville Home and Commercial Insurance Company
No, it’s not required by law in Nashville or Tennessee. However, lenders typically require it, and it’s strongly recommended due to the area’s risk of storms and property crime.
Any business with a physical location, employees, or customer interactions should have commercial insurance. This includes restaurants, boutiques, venues, wellness studios, and more.
Typical coverage includes the structure of the home, your personal belongings, liability protection, and temporary housing costs if your home becomes uninhabitable after a covered event.
Yes. We specialize in building custom coverage for a variety of industries—from tech startups to music production spaces, healthcare providers, and food service operators. Add-ons like cyber, equipment, or professional liability are available.
Rates are influenced by location (e.g., flood-prone areas), home or business value, claims history, building age, and coverage selections. In commercial settings, industry type and size also play a role.
Due to the city's geography and proximity to rivers and creeks, certain neighborhoods are prone to flooding. Flood coverage is separate from most standard policies and may be essential depending on your property’s location.