Renters Insurance at Alta City Side Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Alta City Side Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 4014/100K (154% above national average)
What You'll Likely Pay
$12
Est. Monthly
$140
Est. Annual
$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 Alta City Side Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Alta City Side 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 $12/mo
4 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. Alta City Side Apartments also has on-site security features (Property manager on site, 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
“The office staff is truly amazing and very helpful always.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at Alta City Side Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is below.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
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
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Moderate seismic hazard · ground motion 0.13g
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
NOAA's records put Davidson County squarely in severe-weather territory: roughly 36 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
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.
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
1301 Lebanon Pike, Nashville, TN 37210
Nashville
Monthly Cost Breakdown at Alta City Side Apartments
The listed rent isn't the whole number. Here's what Alta City Side Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Alta City Side Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit. Payable to 3rd Party
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Internet Services
Amount for internet services provided by community. Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Administrative Fee
Amount to facilitate move-in process for a resident. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
Pet Management - Third Party
| Restrictions: None
Pet Rent
Max of 1. Monthly amount for authorized pet. Charged per pet
Pet Fee
Max of 1. Amount to facilitate authorized pet move-in. Charg ed per pet.
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be s ubject to availability. Charged per rentable item.
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Business Office Rental
Amount to rent a co-working space or shared business office amenity space. May be subject to availability. Charged per unit.
Situational Fees
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Insufficient Move-Out Notice Fee
Amount for not providing notice to move-out as required by l ease. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Trash Container - Replacement
Amount to replace trash/waste container. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Utility - Electric
Usage-Based (Utilities).Amount for provision and consumption of electricity. Charged per unit. Payable to 3rd Party
Pet Policy
Bringing a pet? Here's what Alta City Side Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About Alta City Side Apartments
From the property listing:
Alta City Side features modern studio, one-, and two-bedroom apartments near downtown Nashville with easy access to Donelson, shopping, and entertainment. Homes include stainless steel appliances, quartz countertops, luxury flooring, and in-unit laundry. Enjoy a saltwater pool, pickleball courts, fitness center, fire pits, and pet-friendly amenities in a connected, modern community.
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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