Lake House Insurance
Protect Your Lake Home with Personalized Coverage You Can Trust
Owning a lake house in Tennessee—from the peaceful shores of Norris Reservoir to the scenic hills of Reelfoot Lake—means endless memories with family and friends. But waterfront living also brings unique risks like flooding, windstorms, and water damage. At Holt Insurance Agency, we believe in protecting people, not policies. Our lake house insurance is tailored to your lifestyle and your property, with personal service you can count on. Get started today with a customized quote.
What Does Lake House Insurance Cover?
-
Core Protection
Dwelling Coverage – Repairs or rebuilds your home after wind, hail, lightning, or fire.
Other Structures – Covers boat docks, gazebos, decks, and private piers often found on lakefront lots.
Personal Property – Protects your furniture, watercraft, electronics, and valuables stored on or near the lake.
-
Waterfront-Specific Enhancements
Water Damage & Flood – Options for water intrusion due to rising lake levels or heavy rains.
Windstorm & Hurricane – Higher risk near open water—enhanced policies for hail, wind, and storm surge.
Equipment Breakdown – Covers pumps, generators, and septic systems essential to your lake lifestyle.
-
Liability & Additional Protection
Liability Coverage – Protects you if someone is injured on your private dock or property.
Boat Liability – Covers incidents involving your watercraft, depending on vessel size and use.
Loss of Use / Additional Living Expenses – Helps if your home becomes uninhabitable after a covered loss.
Why Choose Holt Insurance for Lake House
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.
Freedom to Focus on Fun
Spend time on the water; not worrying. Our tailored coverage and responsive support keep your mind on what matters, not paperwork.
How Lake House Insurance Works: A Quick Overview
1. Reach out for a quote
We assess your property, usage, and modifications.
2. Review personalized options
Choose coverage levels, deductibles, and add-ons that fit your needs.
3. Ride with peace of mind
Enjoy confident coverage; claims handled by caring pros who know you.
-
Yes, many standard policies exclude flood by default. Holt helps you evaluate if you need a separate flood policy based on elevation, history, and lake behavior.
-
Not usually. We’ll add “other structures” coverage and tailor limits to include your dock, boathouse, or gazebo built right on the shoreline.
-
You can bundle personal watercraft or boat liability, depending on size and usage. We’ll help you compare options and add the right coverage.
FAQs About Lake House Insurance
-
Your dwelling coverage addresses those perils, plus we can add windstorm-specific enhancements for better protection near the water.
-
Yes. We offer flexible policy options for part‑time lake homes so you only pay for the coverage you need when you’re there.
-
Contact us right away. We’ll guide your claim, coordinate with adjusters, and help you choose trusted local contractors to restore your home swiftly.
Bundle & Save: Get a Quote Today from Holt Insurance Agency
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!
Ready to Secure Your Lake Home?
Protect your lakeside escape with the confidence and care that only Holt Insurance Agency can offer. Contact us today for a personalized quote, tailored to your Tennessee lake house—and your lifestyle. Call now, or fill out our simple quote form—one dedicated agent will get back to you fast. Your peace of mind on the water starts here.