Condo Insurance in Tennessee

Your condo is more than a property, it’s your home.

At Holt Insurance Agency, we understand that protecting it goes beyond four walls. Since 1946, our family-owned agency has been helping Tennessee condo owners safeguard what matters most. With the right coverage, you can enjoy the convenience of condo living without worrying about unexpected financial setbacks.

What Does Condo Insurance Cover?

  • Dwelling Coverage

    Protects interior structures such as walls, ceilings, and built-ins.

  • Personal Property Coverage

    Reimburses you for stolen, damaged, or destroyed belongings.

  • Liability Protection

    Covers you if someone is injured in your condo or you accidentally damage someone else’s property.

  • Loss of Use

    Pays for temporary living expenses if your condo becomes uninhabitable due to a covered loss.

  • Loss Assessment Coverage

    Helps cover your share of costs for damages to shared areas not fully covered by the association’s master policy.

Why Choose Holt Insurance Agency

Generations of Trust in Tennessee

Serving Tennessee families since 1946, our multi-generational legacy means stability, reliability, and deep local knowledge from Downtown Nashville to the countryside of Leiper’s Fork.

People, Not Policies

We build relationships, not transactions. You’ll talk to a real person who knows your name, your family, and what matters to your lifestyle.

Comprehensive Protection Made Simple

Bundle condo coverage with your auto, or umbrella for easy billing, unified service, and potential discounts! Ideal for families with lake houses or multiple vehicles.

Freedom to Focus on Fun

Spend time living; not worrying. Our tailored coverage and responsive support keep your mind on the road, not paperwork.

How Condo Insurance Works: A Quick Overview

Personal Consultation

We review your condo association’s master policy to determine exactly what you need.

Custom Coverage Options

You’ll receive clear, tailored recommendations from top-rated insurance carriers.

Ongoing Support

We check in regularly to make sure your policy keeps pace with your life.

  • Homeowners insurance covers the entire structure, while condo insurance only covers the parts of your unit you own and your personal property.

  • It covers shared areas and some structural elements, but not your personal property, interior upgrades, or liability.

  • It depends on your condo’s value, your belongings, and your association’s master policy. We can review these details with you.

FAQs About Condo Insurance

  • Yes, but high-value items like jewelry or collectibles may require additional coverage.

  • Absolutely. Bundling often saves money and simplifies your insurance.

Bundle & Save: Get a Quote Today from Holt Insurance Agency

Brick building with "Holt Insurance Agency" sign, surrounded by trees and shrubs.

Did you know you can often save hundreds of dollars by bundling your policies? Many insurers offer multi-policy discounts when you combine:

At Holt Insurance Agency, we specialize in finding affordable solutions that don’t sacrifice coverage. Let’s explore how much you could save with a bundled quote tailored to Tennessee residents.

👉 Request Your Free Quote from Holt Insurance Agency

Protect your adventures and your wallet!

Get Peace of Mind for Your Tennessee Condo

Life is too short to stress over insurance details. Let Holt Insurance handle the fine print while you enjoy the view from your balcony. Whether your condo is in Knoxville, Chattanooga, or on the shores of Old Hickory Lake, we’ll help protect it like it’s our own. Protect your condo, your belongings, and your lifestyle. Contact Holt Insurance Agency now to get a fast, friendly quote.