Renters Insurance at The Guthrie North Gulch Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Guthrie North Gulch 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
Identity Theft Concerns
1 mention in reviews (mail tampering, fraud, personal info)
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
$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 The Guthrie North Gulch 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 The Guthrie North Gulch 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 $11/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. The Guthrie North Gulch Apartments also has on-site security features (Package service, Property manager on site, Doorman, Package lockers, Perimeter fencing) 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 The Guthrie North Gulch Apartments.
FEMA Zone X (0.2 Pct Annual Chance 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.
600 11th Ave N, Nashville, TN 37203
North Gulch
Monthly Cost Breakdown at The Guthrie North Gulch Apartments
The listed rent isn't the whole number. Here's what The Guthrie North Gulch Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Guthrie North Gulch Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash
Charged per unit.
Pest Control
Charged per unit.
Billing Statement Fee
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 255. Charged per pet.
Monthly Pet Fee
Max of 255. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Parking Deposit
Charged per vehicle.
Garage Lot
$25 parking fee
Surface Lot
$25.00 Per a resident. Please call leasing office for parkin g details.
Optional Add-On Fees
One Time Utility Account Set Up Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what The Guthrie North Gulch 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 The Guthrie North Gulch Apartments
From the property listing:
Where upscale design meets low-key living, The Guthrie North Gulch is a warm welcome in the heart of downtown. With the best amenities and a world of perks in every direction, the Guthrie is minutes from anywhere—and miles from ordinary. Living at Guthrie North Gulch allows you to enjoy the lifestyle you've always dreamed of. Relax and unwind with old friends and new while mixing up your favorite cocktails and charcuterie in our gourmet kitchen atop our beautiful open-air skylounge while listening to the music roll through the streets of downtown.
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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