Renters Insurance at Wyndchase Bellevue Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Wyndchase Bellevue Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Water/Leak Issues
4 mentions in Google reviews
Water Intrusion Issues
4 mentions of ceiling leaks, sewage, or pipe issues in 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
$13
Est. Monthly
$160
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 Wyndchase Bellevue 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 Wyndchase Bellevue 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 $13/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. Wyndchase Bellevue Apartments also has on-site security features (Concierge, Gated access, Doorman, Package lockers) 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
Maintenance
Consistently positive in reviews
“The office and maintenance staff are very friendly and accommodating.” — Google reviewer
Management
Consistently positive in reviews
“From clear and consistent communication about our moving in process to going above and beyond to help us with our mail key, Jodi has made our move so smooth!” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
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.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
Fees Beyond Rent
These are the additional charges beyond base rent at Wyndchase Bellevue 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.
Administrative Fee
Charged per unit.
Pets Fees
Dog Deposit
Charged per pet.
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Pet Policy
Bringing a pet? Here's what Wyndchase Bellevue Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Wyndchase Bellevue Apartments
From the property listing:
Wyndchase Bellevue Apartments in Nashville, Tennessee, have set a new standard for apartment living. Enter an oasis of luxury in the bustling Nashville suburb of Bellevue. Wyndchase Bellevue is located minutes from downtown Nashville and the Warner Parks and offers one, two, and three bedroom apartment homes.
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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