Renters Insurance at Emerson at Harding Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Emerson at Harding Apartments can push your insurance cost up or down:
Older Building
Built in 1973 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Water/Leak Issues
5 mentions in Google reviews
Pest Issues
4 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 4014/100K (154% above national average)
What You'll Likely Pay
$15
Est. Monthly
$175
Est. Annual
$14
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 Emerson at Harding 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
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 Emerson at Harding 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 $14/mo
5 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. Emerson at Harding Apartments also has on-site security features (Package service, Property manager on site, Gated) 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.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Emerson at Harding Apartments.
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.
380 Harding Pl, Nashville, TN 37211
Southeast Nashville
Monthly Cost Breakdown at Emerson at Harding Apartments
The listed rent isn't the whole number. Here's what Emerson at Harding Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Emerson at Harding Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Pet Policy
Bringing a pet? Here's what Emerson at Harding Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Emerson at Harding Apartments
From the property listing:
Located right outside downtown Nashville, you'll find architecturally beautiful homes that feature open floor plans, king-size bedrooms, and generous closet space. With a variety of layouts to choose from, we are sure that one of our studios, apartments, or town homes will be a perfect place for you to call home. Conveniently located near the Harding Plaza Shopping Center, within easy access to I-24 and I-440, and minutes from downtown Nashville.Discover luxury, comfort, and convenience at 380 Harding apartment homes today.
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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