--- title: "Insuring Your Owner-Occupied Short-Term Rental Property in Nashville: What you need to know." description: "Insuring Your Owner-Occupied Short-Term Rental Property in Nashville: What You Need to Know" image: https://hutins.com/hubfs/5f3e14_e3c9f58dacc7450f957f058feae95dce~mv2.webp --- [Skip to content](https://hutins.com/blog/insuring-your-owner-occupied-short-term-rental-property-in-nashville-what-you-need-to-know#main-content) [![](https://hutins.com/hs-fs/hubfs/logohubspot-1.png?width=750&height=750&name=logohubspot-1.png)Homepage](https://hutins.com/blog/insuring-your-owner-occupied-short-term-rental-property-in-nashville-what-you-need-to-know#) - [Online Quotes](https://my.hutins.com/quote) - [Get a quote](https://hutins.com/quote) - [Auto Insurance](https://hutins.com/auto-insurance-tn) - [Home Insurance](https://hutins.com/home-insurance) - [Business Insurance](https://hutins.com/business-insurance) - [Motorcycle Insurance](https://hutins.com/motorcycle-insurance) - [Boat Insurance](https://hutins.com/boat-insurance) - [Rental Property insurance](https://hutins.com/rental-property-insurance) - [Horse Trailer Insurance](https://hutins.com/horse-trailer-insurance) - [Flood Insurance](https://hutins.com/flood-insurance) - [Tractor Insurance](https://hutins.com/compact-tractor-insurance) - [Life Insurance](https://hutins.com/instant-life-insurance-quotes) - [About](https://hutins.com/about-us) - [Careers](https://hutins.com/careers) - [Our Team](https://hutins.com/team) - [Our Carriers](https://hutins.com/our-carriers) - [Join Our Referral Program](https://hutins.com/hutsenpilleraf) - [Testimonials](https://hutins.com/testimonials) - [Blog](https://hutins.com/posts) - [Historical Images of Mt. 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While this can be a great way to earn extra income, it's important to remember that renting out your property comes with its own set of risks. To protect yourself and your investment, there are a few key types of insurance coverage that you'll want to consider.       ##### Guaranteed Replacement Coverage for Your Home     One of the most important types of coverage for any property owner is guaranteed replacement coverage. This type of insurance will ensure that your home is fully rebuilt or repaired if it is damaged or destroyed. Without this coverage, you could be left to pay out of pocket for repairs or rebuilding, which could be a significant financial burden.       ##### Mechanical Breakdown Coverage for Your Appliances     Another important type of coverage to consider is mechanical breakdown coverage for your appliances. This type of coverage will protect you in the event that one of your appliances, such as your air conditioning unit or refrigerator, breaks down and needs to be repaired or replaced. Without this coverage, you would be responsible for paying for these repairs out of pocket, which could add up quickly.       ##### Personal Umbrella Policy     Finally, it's a good idea to consider a personal umbrella policy. This type of policy provides additional liability coverage above and beyond what your standard homeowner's insurance policy covers. It will protect you in the event that someone is injured on your property or if you are sued for damages. Without a personal umbrella policy, you could be held financially responsible for these costs, which could be significant.   ##### Conclusion       In summary, as a property owner in Nashville, you'll want to make sure you have guaranteed replacement coverage for your home, mechanical breakdown coverage for your appliances, and a personal umbrella policy. These types of coverage will protect you and your investment in case of damage or liability issues. It's always better to be safe than sorry, so be sure to speak with Hutsenpiller Insurance to make sure you have the right coverage for your short-term rental property.   [Get a quote ](https://www.hutins.com/quoting)         - [airbnb](https://www.hutins.com/blog/tags/airbnb) - [vrbo insurance](https://www.hutins.com/blog/tags/vrbo-insurance) - [strp insurance](https://www.hutins.com/blog/tags/strp-insurance) - [Insurance Basics](https://www.hutins.com/blog/categories/insurance-basics) - • - [Home Insurance in Tennessee](https://www.hutins.com/blog/categories/home-insurance-in-tennessee) 30 views0 comments Post not marked as liked ## Recent Posts [See All](https://www.hutins.com/blog) [![](https://static.wixstatic.com/media/5f3e14_ee78292d822e487ca2e63e682693e155~mv2.webp/v1/fill/w_288,h_162,al_c,q_80,enc_auto/5f3e14_ee78292d822e487ca2e63e682693e155~mv2.webp) ](https://www.hutins.com/post/understanding-roof-loss-settlements-in-home-insurance-a-simple-guide-for-tennessee-homeowners) [Understanding Roof Loss Settlements in Home Insurance: A Simple Guide for Tennessee Homeowners](https://www.hutins.com/post/understanding-roof-loss-settlements-in-home-insurance-a-simple-guide-for-tennessee-homeowners)  209 1 like. 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