Renters Insurance at 445 Park Commons Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 445 Park Commons Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 4014/100K (154% above national average)
What You'll Likely Pay
$11
Est. Monthly
$133
Est. Annual
$10
With Discounts/mo
$13
State Avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for 445 Park Commons Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 445 Park Commons Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $7/mo | $87/yr |
| USAA | $8/mo | $98/yr |
| State Farm | $11/mo | $130/yr |
| Progressive | $12/mo | $141/yr |
| Safeco | $12/mo | $141/yr |
| Travelers | $13/mo | $152/yr |
| Allstate | $14/mo | $163/yr |
| Nationwide | $14/mo | $163/yr |
| Farmers | $14/mo | $174/yr |
| Liberty Mutual | $16/mo | $195/yr |
Discounts You May Qualify For
Next Step
See if you can beat $10/mo
6 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Metropolitan Nashville Police Department.
Nashville property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. 445 Park Commons Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Package lockers, Sprinklers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Metropolitan Nashville Police Department (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
What residents talk about most
Management
Consistently positive in reviews
“Quick responses and very friendly faces really make you feel at home.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like 445 Park Commons Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Moderate seismic hazard · ground motion 0.14g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 36 severe-weather events a year in Davidson County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Davidson County. Counts reflect reported events, not damage amounts.
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
Fees Beyond Rent
These are the additional charges beyond base rent at 445 Park Commons Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Security Deposit - Refundable
Jetty Bond also available! Charged per unit.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 3. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Garage Lot
Reach out to our team for parking policies and any associate d fees!
Optional Add-On Fees
Package Lockers
We use Parcel Pending. A convenient and easy way to securely receive package deliveries! Charged per unit.
Pet Policy
Bringing a pet? Here's what 445 Park Commons Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 445 Park Commons Apartments
From the property listing:
Step into unprecedented comfort and convenience, meticulously designed to elevate your living experience at every turn. 445 Park Commons offers a comfortable respite for residents with a full amenity suite, including a saltwater pool, exclusive gym, dog park, beautiful outdoor dining areas, and much more. 445 Park Commons is nestled amidst GEODIS Park in Nashville’s Historic Fairgrounds. With convenient accessibility to Downtown Nashville and public transportation options, you’re right in the middle of the action and have access to the best Nashville has to offer.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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