Renters Insurance That Puts You First

You’re not just renting a place; you’re creating a home in Tennessee, whether in Franklin, Knoxville, or along the peaceful shores of the Cumberland. At Holt Insurance Agency, we believe in People, Not Policies. That means delivering renters insurance that’s easy to understand, affordable, and tailored to you. Learn how our personal service, multi‑generational trust since 1946, and hometown expertise make protecting your belongings simple so you can focus on living life, not insurance.

What Is Renters Insurance?

  • Personal Belongings Protection

    Covers theft, fire, or damage to your possessions—furniture, electronics, jewelry, and more.

  • Personal Liability

    Covers legal costs if someone is injured in your rental home or if you accidentally damage someone else’s property.

  • Additional Living Expenses

    Helps with temporary housing if your rental is uninhabitable after a covered loss.

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 renters 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 Renters Insurance Works: A Quick Overview

1. Reach out for a quote

We assess your needs, usage, and possessions.

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.

  • We help you estimate the replacement cost of your belongings—typically between $20,000 and $50,000—and adjust liability coverage based on your lifestyle and a potential lawsuit’s cost.

  • Standard policies do not. But we can help arrange separate flood or earthquake endorsements if you live near the floodplains of the Mississippi or around seismic zones.

  • Absolutely. Bundling renters with auto, watercraft, or umbrella policies can lead to significant savings and streamlined service.

FAQs About Renters Insurance

  • Your deductible is what you pay out of pocket before coverage kicks in. We help you choose a deductible that balances affordability with affordable premiums.

  • Claims often can be initiated immediately—by phone, online, or in‑person at one of our Tennessee offices—and we’ll guide you every step of the way. We’ve handled claims reliably since 1946.

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!

Ready to Protect What Matters?

Let Holt bring you the coverage you need, with the service you deserve. Reach out today to get a free renters insurance quote tailored to your TN rental needs. Whether you’re new to renting in Murfreesboro or renewing in Memphis, we’re here to help.