Carlson Insurance Group
166 Belinda Parkway, Suite 100, Mount Juliet, TN 37122
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Mount Juliet households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
166 Belinda Parkway, Suite 100, Mount Juliet, TN 37122
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1002 Meb Court, Mount Juliet, TN 37122
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2093 N Mt Juliet Rd, Ste 1, Mount Juliet, TN 37122
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12890 Lebanon Rd, Mount Juliet, TN 37122
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203 N Mt Juliet Rd, Mount Juliet, TN 37122
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Learn about insurance coverage options specific to Mount Juliet residents.
Everything Mount Juliet residents need to know about auto and home insurance, including Tennessee requirements, tornado coverage, and local agents.
Car InsuranceMount Juliet auto insurance guide: TN requires 25/50/15 minimums in this at-fault state. Learn costs, coverage options, and how growth affects rates.
Tennessee requires all drivers to carry liability insurance with minimum limits of 25/50/25. This means $25,000 per person for bodily injury, $50,000 total per accident for all injuries, and $25,000 for property damage. These requirements apply statewide, including Mount Juliet. However, most insurance professionals recommend higher limits since the minimums often don't cover the full cost of serious accidents.
Tennessee homeowners pay an average of $254 per month or about $3,045 annually for home insurance. Mount Juliet residents may pay slightly more or less depending on factors like your home's value, age, construction type, and proximity to fire stations. Wilson County's tornado risk and Mount Juliet's rapid growth also influence rates. Getting quotes from multiple insurers is the best way to find competitive pricing.
Yes, standard homeowners insurance policies cover tornado damage through your dwelling coverage, which pays to repair or rebuild your home. After Mount Juliet experienced an EF3 tornado in March 2020, many residents filed claims that covered structural repairs, roof replacement, and personal property losses. Your policy should also include additional living expenses coverage, which pays for temporary housing while your home is being repaired after tornado damage.
It depends on your location. If your home is in a FEMA-designated flood plain, your mortgage lender will require flood insurance. Even if you're not in a high-risk zone, flood insurance is worth considering since standard homeowners policies don't cover flooding from rising water. Mount Juliet has designated flood plains, and Middle Tennessee's heavy spring rains can cause unexpected flooding even in areas not typically considered high-risk.
Both options have merit. Local agents in Mount Juliet understand Wilson County's specific risks, including tornado exposure and flood plains, and can provide personalized recommendations. Independent agents can quote multiple carriers to find you the best rates. However, you should compare at least three sources—perhaps one local agent, one national carrier, and one online comparison site—to ensure you're getting competitive pricing and appropriate coverage for your situation.
Common discounts include bundling your home and auto insurance (typically 15-25% savings on both policies), good student discounts for young drivers, safe driving discounts, home security system discounts, and loyalty discounts for long-term customers. Many Mount Juliet residents also qualify for higher discounts due to Wilson County being the second-wealthiest county in Tennessee. Ask every insurer you quote with about all available discounts since they vary by company.
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