Shelter Insurance Review: Car, Home, and More

Shelter Insurance is a mutual insurance company that was founded in 1946 and operates out of Columbia, Missouri.
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This highly-rated, award-winning insurance company offers a wealth of insurance products across the states of Colorado, Iowa, Arkansas, Kansas, Kentucky, Indiana, Illinois, Mississippi, Missouri, Nebraska, Ohio, Nevada, Oklahoma, Tennessee, and Louisiana.

In this Shelter Insurance review, we’ll look at insurance policies, coverage options, customer satisfaction, liability cover, and more, before seeing how Shelter compares to other leading insurance companies.

Shelter Car Insurance Coverage Options

Shelter is a leading auto insurance company in Missouri and other serviced states. It isn’t always the cheapest (more on that below) but it does provide a wealth of coverage options, including:

Liability Coverage

Liability coverage is the most basic, bare-bones insurance type and one that is required in most states. Liability insurance covers bodily insurance (per person and per accident) and property damage. It essentially covers you for the damage you do to another driver and their property during a car accident.

Collision Coverage

An optional form of auto insurance that covers you for damage done to your own vehicle, regardless of who was at fault. If you have collision coverage on your auto policy, you will get a payout when you hit a guardrail, wall, tree or building.

However, it’s one of the most expensive add-ons and a lot of the damage you do to your own vehicle may not be severe enough to warrant paying the deductible.

Comprehensive Coverage

With comprehensive coverage, you will be covered for many of the things that collision insurance doesn’t cover. For instance, it provides protection against vandalism and damage from extreme weather events. It also covers you in the event of an animal collision, which is surprisingly not covered by collision insurance.

Personal Injury Protection

With PIP insurance, you will be covered for some of the personal losses you incur due to an injury sustained in a car accident. For instance, if you’re hit by another driver and suffer severe injuries that cause you to miss work, PIP will pay for the money you lose. It will also cover the money needed to cover traveling for doctor and hospital appointments, as well as childcare costs.

Medical Payments

By adding medical payments cover onto your policy you will be protected against hefty medical bills resulting from a car accident. This option is required in just a few states but the coverage limits are often set very low.

Underinsured and Uninsured Motorist Coverage

Uninsured motorists are a growing problem on America’s roads. If you’re hit by one of these drivers and don’t have collision insurance, you could be left severely out of pocket. But not if you have underinsured/uninsured motorist insurance.

This coverage option will protect you against bodily injury and property damage resulting from an accident with an uninsured or underinsured driver.

Roadside Assistance

Shelter car insurance policies offer optional roadside assistance cover, which gives you up to $100 per claim and covers you for expenses accrued when you are stranded by the roadside.

Roadside assistance is an emergency service designed to help you get back on the road or to tow your car to a nearby garage. It includes everything from lost key replacement to fuel delivery and tire changes.

Rental Car Reimbursement

If your car is stolen or damaged so badly that it needs to spend several days or weeks in a repair shop, rental car reimbursement can help you to stay on the road. It will cover you for the money you spend on rental cars, which means you won’t miss a single important car journey.
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Your coverage will be limited to a specific time period and you will not be covered for rentals that extend beyond this period.

Accidental Death

A form of life insurance that covers you for accidental deaths, such as car accidents. If you die in an accident, for example, your spouse or family members will receive a payout. There are many more restrictions than you get with term life insurance policies, but the premiums are also much lower.

Disability Income Coverage

PIP can cover you if you suffer serious bodily injuries and miss work as a result, but what happens if you’re forced to miss up to a year of work? That’s where Disability Income Coverage comes in. With Shelter, you will be paid a sum of money every week for up to a year.

GAP Insurance

If you bought your car on finance and wreck it soon after, the insurance payout may not be enough to cover the losses due to the interest payments and the rapid deprecation that new cars experience. With GAP insurance, you will be covered for that extra amount. As a result, this type of car insurance is often required by auto loan companies.

New Car Replacement

If you have a car that is less than a year old and has fewer than 15,000 miles on the clock, you can apply for the new car replacement program, which gives you a like-for-like replacement. This is an essential addition for anyone driving an expensive new vehicle as the losses could be catastrophic without it.

Other Shelter Insurance Options

Shelter offers multiple additional insurance options, many of which can be bought along with your car insurance, allowing you to save money with a multi-policy discount.

As with Shelter car insurance, we recommend comparing rates to other insurance companies, making sure you’re getting the best coverage for the lowest rates. There are a huge number of insurance companies in the United States offering the same coverage options found at Shelter, and many of them are cheaper:

Homeowners Insurance

A homeowners policy from Shelter will protect your property and everything in it. You can get cover for the dwelling, personal property, medical payments, personal liability, living expenses, and more.

Shelter also offers additional coverage options pertaining to electronics, sewer damage, earthquake damage, loss of farming equipment, and more.

Renters Insurance

If you rent your home, you won’t need property insurance, but you still need to protect your personal property and that’s where renter’s insurance comes. If your flat/house is burgled and you lose expensive items, including heirlooms, jewelry, artwork, and electronics, you will be covered.

Umbrella Insurance

With a minimum liability of $1 million, umbrella insurance will step in and provide cover above and beyond what you are offered elsewhere. If you have a lot of personal assets and are worried about being sued above what your liability insurance can pay, this is the policy for you.

Business Insurance

A business insurance policy from Shelter will protect your business against property loss, equipment damage, liability claims, and more. This is essential for all businesses and at Shelter you can choose a range of customization options to make sure the policy is perfectly suited to your needs.

Flood Insurance

Your home insurance policy doesn’t cover you for flood damage and this is true whether you’re with Shelter or not. However, you can add flood insurance to your Shelter insurance policy, with the rates dependent on where you live and how common floods are in your area.

Life Insurance

In addition to accidental death cover, Shelter also has term life and whole life insurance policies. These provide payouts to your loved ones in the event of your death.

Your age, activity, medical history, and health will dictate the size of your insurance premiums and your death benefit.

Shelter Car Insurance Cost

We ran some car insurance quotes and found that Shelter was consistently more expensive than providers like GEICO, Allstate, State Farm, and Progressive. In fact, when comparing quotes for young drivers, Shelter car insurance premiums were more than double those offered by GEICO and were also substantially higher than other major carriers.

In many states, including Kentucky and Louisiana, Shelter ranked as one of the most expensive providers. The rates were a little more promising in Missouri, but you’ll probably still get better offers elsewhere.

Regardless of what you think about Shelter Insurance and whether or not you have had good experiences with them in the past, we recommend getting quotes from other providers first.

Of course, it isn’t all about price, but it takes some incredibly impressive customer support and benefits for a $3,000 policy to take precedent over one that costs $1,500 or less, and we’re not convinced Shelter has that level of support or those benefits.

Bottom Line: Shelter Insurance Review

Shelter is a dedicated, capable, and financially strong insurance provider that offers extensive coverage for both drivers and homeowners. It has good reviews from policyholders, has high ratings from AM Best, JD Power and the Better Business Bureau (BBB), and there are very few complaints when compared to other providers.

Shelter serves a number of states and if you reside in one of these, it’s worth getting a quote. Just don’t forget to check other providers and don’t assume Shelter will offer the best rates. In our experience, it’s more likely to be one of the most expensive providers in your state, but you won’t know until you check.

Visit www.ShelterInsurance.Com to learn more and to discuss an auto policy and/or home insurance policy with one of their representatives.

Shelter Insurance Review: Car, Home, and More is a post from Pocket Your Dollars.


5 Reasons to Buy an Electric Car

5 Reasons to Buy an Electric Car

We’ve been hearing about electric cars for a while, but it sometimes seems that the only people who buy them are either very into being energy efficient or very wealthy. But there are a lot of good reasons for you to consider buying an electric car. They are good for the environment, but they can also be good for your pocketbook. And who doesn’t want to satisfy the demands of their conscience and their bank account at the same time?

Check out our cost of living calculator.

1. Electric cars help the U.S. with energy independence.

The United States spends about $300 billion importing oil into the country. That’s two-thirds of the U.S. trade deficit. Being dependent upon foreign oil leaves the United States more vulnerable to international problems and fluctuations in the supply of oil abroad.

2. Electric cars are more efficient. 

5 Reasons to Buy an Electric Car

With an electric car you never have to stop for gas. You can charge your electric car in your own garage overnight and be ready to travel wherever you want to go in the morning. In addition, you won’t be wasting any time or money buying snacks or pumping gas at the gas station.

3) You’ll likely save money.

Even though oil prices are the lowest they’ve been since 2008, electricity is still the less expensive option. Right now, if you purchase an electric car, recent data shows you will spend $3.74 worth of electricity to travel 100 miles. However, if you purchase a comparable car that uses gasoline, it will cost you about $13.36 to travel 100 miles. In addition, gas prices have a way of rising (or at least being unpredictable), so that journey of 100 miles can quickly get even more expensive for people with conventional cars.

4) You can get paid to buy an electric car .

5 Reasons to Buy an Electric Car

Right now, the federal government offers a tax credit that can reduce the cost of a new electric car by up to $7,500. That can effectively eliminate the cost difference between a gasoline-powered car and an electric car. Sometimes it can even make the cost of buying a gasoline-powered car more than the cost of buying an electric car. However, the tax credit offer might not last forever, so you might want to buy an electric car sooner rather than later if that’s an important factor for you.

Related Article: 3 Tips for Claiming the Energy Tax Credit

5) They’re Low Maintenance

With an electric car you’re not going to have to take your car to the mechanic as often. Although all cars may have problems, electric cars generally have lower maintenance costs than gasoline-based car. With an electric car you’ll also spend less time worrying about how to get by while your car is in the shop, or waiting around at the garage for the maintenance to be performed.

Bottom Line

You don’t have to be a hippie or a billionaire to opt for an electric car. There are advantages for anyone who takes relatively short car trips and has access to charging facilities.

Photo credit: Â© Bryukhanova, © Lovric, ©

The post 5 Reasons to Buy an Electric Car appeared first on SmartAsset Blog.


33 Expert Apartment Moving Tips for an Easy Relocation

Moving doesn’t have to drag you down. These moving hacks can help you move smarter — not harder.

Moving is never easy, but there are some things you can do to make it as painless as possible and avoid making rookie moving mistakes. Take a look at this list of apartment moving tips and give some a try. What do you have to lose?

1. Purge, purge, purge

You have to go through all of your stuff anyway to pack up, so why not get rid of things you don’t really need? That way, you don’t have to bother with relocating it. If you can’t remember the last time you wore something or you simply don’t need it, stick it in a “donate” pile and arrange for a donation pick-up service. Anything that’s broken or stained beyond repair should get trashed. If you’re feeling really industrious, ask management if you can hold a “garage sale” of sorts and make some money off of your junk. Or, sell it online and put the profits toward your moving budget.

2. Scrounge around for boxes

Unless this is a last-minute move, you have time to find moving boxes for free. Ask friends to hold onto their Amazon or other delivery boxes, then go pick them up. Inquire with the manager while shopping for groceries, too! The local liquor store probably has oodles of partitioned boxes that are perfect for moving glassware or even shoes. This will save you a bundle of cash.

Pro tip: If they aren’t moving boxes, they likely won’t have handles on the side. Before filling them up, make your own triangular handles using a box cutter (flat side up).

Making a moving list

3. Make a list

Start a list of anything that needs fixing or touching-up before you vacate the premises. These should only be things for which you’re responsible, like holes in the wall from hanging pictures. Leaky faucets and wonky garbage disposals are management’s responsibility. While you’re at it, make a separate list of the stuff the manager needs to fix before new tenants move in. That’s just nice.

4. Soap it up

Speaking of holes in the wall, an easy way to plug them is to rub a bar of soap on the wall until the hole fills in. That’s one easy and cheap moving hack!

5. Keep documents handy

Make a file of important documents and don’t pack it up with everything else. This can include recent bills, the lease you’re ending, the lease you’re starting, identification documents and so on. If someone offers you a last-minute, free trip to Paris you’re gonna want to go, not lament the fact that your passport is in a box somewhere.

6. Itemize moving expenses

This apartment moving tip affects your bottom line directly. Many moving-related costs are tax-deductible, so keep a detailed list, along with receipts for tax season. Examples of tax-deductible expenses include moving company services, DIY storage pods or moving trucks, gas/moving mileage rate, move insurance, packing supplies and storage for up to 30 days after moving items out, but before going into the new place.

7. Make it a no-brainer where boxes will go

A little extra effort on the front end will make unpacking that much easier. Color-code boxes by room, so you and any helpers can easily know where to put them.

Take care of your pets while moving

8. Provide for pets

Moving with pets is a stressful situation for furry friends. Make a plan well ahead of time as to where they’ll spend the day. If a friend or family member isn’t able to take them in, reserve a boarding spot at a local vet. Be sure the pet is up to date on vetting, however, or else they can refuse to keep Fido or Fluffy.

9. Label everything

A little effort on the front end will save a ton of time come unpacking day. On the outside of the box, jot down the basics of what’s in each one. This way, you won’t unpack your Christmas décor before much more important items.

10. Pack a personal items box

Put everything you need to stay safe and functioning at peak potential in a “moving day” box. This includes things like prescription medications, eyeglasses, phone chargers, laptop computers and toothbrushes. Be sure to include bedding, so you have somewhere to sleep on the first night. And don’t forget the coffee maker!

11. Be space smart

You can efficiently pack smaller things, like spices and miscellaneous kitchen items inside of pots, tupperware and other items. Think of them as smaller moving boxes! Doing this drastically cuts down on the number of boxes necessary. The same concept goes for things like suitcases, too, which you can load with heavier items, like books, for painless transport.

12. Pack dishes vertically

Resist the instinct to lay dishes down flat inside the boxes. Instead, invest in dish separators and pack them vertically. Don’t forget to prominently label boxes with dishes and glasses as “fragile!”

13. Don’t dump the dresser drawers

Think of drawers as really sturdy boxes. Take drawers out of the dresser, leave everything and wrap them up with plastic wrap. Uncover at the new place, then pop ’em back in where they go. Easy-peasy.


14. Put the toaster in a bag

Here’s an apartment moving tip that prevents unnecessary mess. Unless it’s brand-new, even the cleanest toaster has crumbs hidden in every crevice. Pack your toaster in a bag to avoid sharing the crumbs with everything else in the box.

15. Pack clothes in a moving wardrobe

This is another expense that’s totally worth it. Keep clothes on hangers, then pack them that way in a hanging wardrobe. Then, all you have to do is transfer the items into the new closet. It’s much faster, plus imagine all of the folding, unfolding and ironing you’ll save yourself!

Don’t have the budget for wardrobe boxes? Take a handful of hanging clothes at a time, then wrap them up in a garbage bag and tie up the end.

16. Pack knives in oven mitts

Keep your fingers safe from unintentional pokes and pack knives inside oven mitts, points facing inward. Put a rubber band around the open end to keep them from falling out. Label the box accordingly, though, for safety’s sake.

17. Sock it to stemware

If you have stemware you want to keep intact, add an extra layer of protection by putting each glass or goblet inside a clean sock.

18. Prevent spills

There’s no need to toss out that half-full bottle of shampoo. Simply cover it up with plastic wrap to avoid a hair product catastrophe! Do the same with other liquid products, like cooking oil or laundry detergent. This apartment moving tip is key to keeping everything from getting all sticky and icky.

Cutlery in the drawer

19. Wrap it up

Don’t even bother taking cutlery out of the drawer organizer. Instead, put plastic wrap on it and call it a day!

20. Buy some bubble wrap

Don’t chance it with your breakables. Wrap mirrors, picture frames and other fragile items with bubble wrap and place inside boxes or cardboard sleeves as needed. Cris-cross tape in an “X” on the glass to further reduce breakage potential. Once you start unpacking, pop that bubble wrap for a wonderfully stress-reducing activity!

21. Use TP rolls for cords

Avoid the need for mass-untangling. Wrap cords around empty toilet paper or paper towel rolls to keep them neat and easy to unroll. Label accordingly.

22. Be creative with packing materials

Fun as it is, use bubble wrap sparingly. Minimize the amount of Earth-unfriendly bubble wrap by packing breakable items with soft things like sheets, towels and blankets. You need them anyway, so you might as well make ’em pull double-duty!

Woman taking picture of her kitchen

23. Document everything in pictures

Take pictures of everything to keep an easy-to-reference photographic record. This goes for the aesthetic stuff (the way your framed prints are hung) to the technical (which cords go in which spot on the back of the TV).

24. Keep cleaning supplies separate and accessible

You’ll probably have to do a quick spray-down once the place you’re vacating is empty, and it’s always a good idea to spritz countertops in a new place (even if it’s been cleaned). Keep supplies like antibacterial spray, paper towels, window cleaner, etc. in a clearly labeled box. Throw in some laundry and dish detergent for good measure.

25. Keep hardware together

Label and box up any hardware that’s removed from the furniture. Or use painter’s tape to secure it to the inside of the piece. Don’t forget other removable bits, like couch feet!

26. Pack a cooler

On moving day, fill a cooler with bottled waters, sodas and snacks to keep everyone hydrated and fed. Watered, full-bellied helpers are happy helpers.

27. Have a first aid kit

Hopefully, everything goes off without a hitch on moving day. If, however, someone gets a paper cut or has a headache, be prepared with a fully-stocked first-aid kit.

28. Take control of valuables

Whether they’re worth a lot of money or just valuable for sentimental reasons, big-ticket items are best handled by you. Movers are great and all, but things get lost and broken all the time. Better to remove the middleman, in the case of those extra-important baubles and trinkets.

Man measuring the couch

29. Take some measurements

Just because you fit a big piece of furniture in your current abode with no problem doesn’t mean it’ll easily go through your new doorway. Measure any large pieces and entry points to make sure they match up. If not, a door may have to come off the hinges or the piece taken apart.

30. Take a toolbox

To that end, always have a basic toolbox available for moving day. No one wants to buy a hammer or screwdriver because they can’t find theirs in a box.

31. Unpack strategically

As tempting as it is to knock out the kitchen, you probably don’t need Grandma’s casserole dish anytime soon. Instead, order out for food and prioritize unpacking the bedroom and bathroom right away.

32. Take your time

Don’t unpack everything the first night. In fact, that’s just a recipe for chaos. Take your time and go room-by-room. Thoughtfully decide where everything should go, break down the boxes for that room to save space, then move to the next area.

33. Keep a knife around

Speaking of boxes, keep a utility knife in your pocket to easily break them down. Wear protective gloves to avoid scraping, cutting or damaging your skin.

Let the apartment moving games begin!

Don’t dread a move — it’s an exciting time! Instead, be as intentional as possible about the way you do things. Follow these apartment moving tips and anticipate the joys of setting up a cool, new home just the way you want it.

The post 33 Expert Apartment Moving Tips for an Easy Relocation appeared first on The Blog : A Renter’s Guide for Tips & Advice.


What to Do this Weekend: Date Night In Ideas


We are a month and a half into quarantine and date nights in many households have devolved into, ‘What have we not seen on Netflix yet?’  While we are all ready to get back out and about, there are plenty of fun date night at home options to help you enjoy and appreciate your partner.  This post is partially inspired by the fact that we are celebrating our wedding anniversary tonight and I was already doing so research on what to do this weekend.  I figured if I was already doing the work, I might as well share the wealth with you all!  

Check out a few of our best date night in ideas

Name that Tune

This really is a fun activity that we typically do on road trips, but it works just as well for date night.  Play each other your favorite songs from different eras or events in life.  

What song was popular when you went to your first school dance?  Did you ever learn a choreographed dance to a song?  What was it?  What was your first favorite country/hip hop/punk song?  Did you ever dedicate a song to someone on the radio? Make a mixtape?  First breakup/heartbreak song you listened to 100 times?

Music is such an integral part of our memories.  It is sure to bring out some great stories from your partner that you have never heard before and some great stories from your past that you may have completely forgotten about. All you really need is a Spotify account, your beverage of choice!

Wine Tasting

This is an amusing challenge for the nose and tastebuds.  Taste three (or five–no judgment here) wines and figure out which is which based solely on the tasting notes….you know the ‘hints of pencil lead and cranberry.’  This can be made romantic with dim lights and some candles or you can make this more upbeat with some fun background playlists.

Optional additions to make the night more festive: Cheeses, nuts, olives, crackers, honey

Minute to Win It

Impress each other with feats of strength and balance.  This is an evening bound to be full of laughter.  Check out this video for inspiration! Challenges include…

  • Face the Cookie.
  • Stack Attack.
  • Movin’ On Up.
  • Junk in the Trunk.
  • Suck It Up.
  • Penny Hose.
  • Ping Pong Bounce.

Sweets for Sweethearts

Bake together…even if neither of you is an expert in the kitchen, learning something new together is good for relationships!

Here are some recipes that have videos to go along with them

For easy cooking try these 3 Ingredient Desserts

For all those ripe bananas on your counter

For when you can only be trusted with the microwave

20 Questions

It sounds silly, but this really can be a learning experience. If you’ve been together you may think you know all the answers…but remember people’s tastes and preferences change.  Do you really know that sweet tarts are still his favorite candy? Or is Paris still her number one destination? The answers could surprise you!

Double Date 

Yes! This is actually possible via Netflix Party.  Pick a movie ahead of time, grab the popcorn and candy and chat with your favorite duo.  

Take a trip down memory lane

Look at each other’s pictures from your favorite vacation together.  You’ll be surprised to see the vacation through their eyes and their memories.  You can relive the best times together and appreciate it in a whole new way.  Bring in even more sensory memories by adding a favorite food or drink you discovered during that trip.

Or Take a Virtual Trip

Ever wonder what Venice is like during lockdown?

Join Travel Curious on their next tour with your Venetian born guide, Luca, who will take you on a live virtual walking tour of Venice and will end up in the Venetian mask-maker artisan shop. 

Join for free on their Instagram Live feed on May 15 2020 at 15:00pm BST / 10:00am EST

Read What to Do this Weekend: Date Night In Ideas on Apartminty.


The Best Places to Live in Tennessee in 2022

Tennessee is known as the “volunteer state” thanks to its role of sending volunteer soldiers to the War of 1812 and then again after the Mexican-American War in 1846. Today, it’s also known for being home to the Country Music Capital of the World and the University of Tennessee, which was founded two years before Tennessee became the 16th state. Here are the best places to live in Tennessee in the coming year.

Brentwood, TN

Brentwood, Tennessee

  • Population: 42,783
  • 1-BR median rent: $1,508
  • 2-BR median rent: $1,992
  • Median home price: $1,110,000
  • Median household income: $168,688
  • Walk Score: 24/100

While it’s only 10 miles from Downtown Nashville, Brentwood has its own rich history with great restaurants and parks. From Concord Park, a 40-acre park that surrounds the Brentwood Public Library and offers locals walking and bike paths, to Granny White Park with tennis courts and a baseball field, nature lovers won’t have a hard time enjoying outdoor activities.

There are a number of historic sites and homes throughout Brentwood and the city developed a scavenger hunt and interactive map of historic places to help locals and visitors learn more about the area.

Being close to Nashville also means those living in Brentwood have easy access to the amenities the larger city affords.

Chattanooga, TN

Chattanooga, Tennessee

  • Population: 182,799
  • 1-BR median rent: $1,262
  • 2-BR median rent: $1,602
  • Median home price: $300,000
  • Median household income: $45,527
  • Walk Score: 41/100

Known as the Scenic City, Chattanooga sits on the far southeastern part of the state and borders Georgia. Thanks to its mild climate, outdoor enthusiasts take full advantage of what nature provides in terms of hiking trails, rock climbing, biking, camping and more.

Attractions include the historic Chattanooga Choo Choo which includes the Glenn Miller Gardens, live music at Songbirds and several dining and imbibing options. There is also Lovers Leap at Rock City, Lookout Mountain with Ruby Falls, the tallest and deepest underground waterfall open to the public in the United States, and Audubon Acres, a 130-acre nature sanctuary. Families can have fun together in one of the best places to live in Tennessee by visiting the Chattanooga Zoo, Tennessee Aquarium and Creative Discovery Museum.

Clarksville, TN

Clarksville, Tennessee

  • Population: 158,146
  • 1-BR median rent: $963
  • 2-BR median rent: $1,178
  • Median home price: $315,000
  • Median household income: $53,604
  • Walk Score: 20/100

Fifty miles northwest of Nashville is Clarksville, where community and access to family-friendly entertainment is part of the fabric of the city. Living in Clarksville means meeting friends at the local deli or the vinyl shop downtown. It means trivia nights, enjoying the public art, including murals and sculptures in and near downtown and learning about local history at the museums.

Clarksville is also near Kentucky’s Fort Campbell, one of the county’s largest military bases. While Clarksville is home to active service members and their families, it’s also home to many retired military members who’ve decided to remain in the area to live and work.

Franklin, TN

Franklin, Tennessee

  • Population: 83,097
  • 1-BR median rent: $1,767
  • 2-BR median rent: $1,954
  • Median home price: $874,999
  • Median household income: $98,231
  • Walk Score: 25/100

For those who want to live in a community with that close-knit Americana feeling, Franklin fits the bill. Located 30 minutes south of the country music capital of the world, locals can lay down roots in this area and take advantage of outdoor family-friendly activities like heading to the farmers’ markets, hiking and biking along the trails.

Unlike busier cities around Tennessee, living in Franklin is pretty quiet when it comes to nightlife. Other than smaller venues that welcome live entertainment on weekends, most head to Nashville for evening fun.

Hendersonville, TN

Hendersonville, Tennessee

  • Population: 6,357
  • 1-BR median rent: $ 1,489
  • 2-BR median rent: $ 1,850
  • Median home price: $475,000
  • Median household income: $38,654
  • Walk Score: 25/100

Known as the city by the lake, those living in Hendersonville know they’re lucky to live in such close proximity to Old Hickory Lake. The lake allows plenty of opportunities to fish, boat, kayak and enjoy other water activities.

Historic Rock Castle gives visitors a glimpse into the history of one of the best places to live in Tennessee located 18 miles northeast of Nashville.

Knoxville, TN

Knoxville, Tennessee

  • Population: 187,603
  • 1-BR median rent: $1,069
  • 2-BR median rent: $1,114
  • Median home price: $310,000
  • Median household income: $40,341
  • Walk Score: 30/100

Knoxville is located in East Tennessee. The city is nestled between the lush forests, streams and waterfalls of the Great Smoky Mountains National Park and Big South Fork National River and Recreation Area with its whitewater paddling, rock climbing, horseback riding and hiking trails.

It’s also home to the state’s largest and most famous university: the University of Tennessee. While it’s three hours from Nashville and four hours from Chattanooga, those living in Knoxville appreciate having more space and a tighter-knit community than their larger urban neighbors while still having access to great restaurants, food trucks, brewing companies and thriving farmers’ markets.

Memphis, TN

Memphis, Tennessee

  • Population: 651,073
  • 1-BR median rent: $1,012
  • 2-BR median rent: $1,062
  • Median home price: $172,000
  • Median household income: $41,228
  • Walk Score: 41/100

Memphis has a long and storied history with the Civil Rights Movement in the United States. The Lorraine Motel where Dr. Martin Luther King, Jr. was assassinated, is located in Memphis. In 1991, the two-story motel was converted into the National Civil Rights Museum, where it features exhibits that trace the history of the movement in the country from the 17th century to the present.

Today, several neighborhoods make up the vibrant city, one of the best places to live in Tennessee. From Downtown with views of the Mississippi River to Hickory Hill and East Memphis areas just east of Downtown with a more suburban feel, to the north and south areas. Memphis also features the Memphis Zoo which houses more than 3,500 animals, Shelby Farms Park, one of the country’s largest urban parks and, of course, the birthplace of the blues and home to Graceland.

Mount Juliet, TN

Mount Juliet, Tennessee

  • Population: 37,029
  • 1-BR median rent: $1,314
  • 2-BR median rent: $1,674
  • Median home price: $474,950
  • Median household income: $91,303
  • Walk Score: 17/100

Located about 17 miles east of Downtown Nashville, Mt. Juliet is sometimes called the city between the lakes since it’s between Old Hickory Lake and Percy Priest Lake. The family-friendly community is complete with a farmers market, plenty of parks with football fields, volleyball courts and even “Bark Park,” a 3/4 –acre fenced-in area for our furry friends to meet and play.

Murfreesboro, TN

Murfreesboro, Tennissee

  • Population: 146,900
  • 1-BR median rent: $1,165
  • 2-BR median rent: $1,389
  • Median home price: $389,945
  • Median household income: $62,003
  • Walk Score: 22/100

Located about an hour southeast of Nashville, living in Murfreesboro allows residents to have the best of both worlds: a suburban atmosphere with access to big-city entertainment. Sometimes referred to as “The ‘Boro” by locals, Murfreesboro is home to Middle Tennessee State University, as well as great restaurants, bars and coffee shops. Cannonsburgh Village allows locals and visitors to go back in time as the reproduction pioneer village features a gristmill, schoolhouse and general store.

Murfreesboro has eight city parks for locals to enjoy outdoor adventures whether it’s playing tennis, baseball or simply enjoying the waterfalls along a hike. While its historic downtown isn’t huge, The Square is where many people meet up, where the annual Christmas tree is lit and events like Jazz Fest and Friday Night Live take place. Main Street includes charming restaurants, antique shops and boutiques.

Nashville, TN

Nashville, Tennessee

  • Population: 670,820
  • 1-BR median rent: $1,962
  • 2-BR median rent: $1,954
  • Median home price: $449,900
  • Median household income: $59,828
  • Walk Score: 41/100

Known as Music City and the Country Music Capital of the World, it’s not hard to find great live music at any of Nashville’s famous music venues, including Ryman Auditorium, the Grand Ole Opry or the Cannery Ballroom at Station Inn. The Country Music Hall of Fame and Museum showcases permanent and rotating (and online) exhibits.

Still, there’s more to living in Nashville than its music. The city, located in the north-central region of the state, has a thriving food scene with world-class restaurants and charming coffee shops, and the Nashville Zoo delights young and old. Since there are different neighborhoods with their own charm and character, whether it’s Downtown, West End, East Nashville or Germantown, it’s easy to check out areas throughout Nashville and enjoy what each has to offer.

Find an apartment for rent in Tennessee

Tennessee may be known for its music scene but there’s so much more than great music throughout the state. Whether you’re looking for an active nightlife environment or something a bit more family-friendly, there are apartments for rent in Tennessee that will fit your interests and budget in one of these best places to live in Tennessee.

The rent information included in this summary is based on a median calculation of multifamily rental property inventory on Apartment Guide and as of October 2021.
Median home prices are from Redfin as of October 2021.
Population and median household income are from the U.S. Census Bureau.
The information in this article is for illustrative purposes only. This data herein does not constitute a pricing guarantee or financial advice related to the rental market.

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Apartments With Move-in Specials

Right now is a fantastic time to be looking for a new apartment home in Washington, DC. The past few years’ construction boom has added a surplus of apartment inventory to the market. The result of extra apartment inventory = move-in specials!

If you are willing to commit to a longer lease term you can score anywhere between one to three months free! Plus if you can make a quick decision, apartments are offering additional incentives like $250 gift cards, free parking, free meal delivery services, and more.

Move-in specials used to only be found at new construction buildings that were just opening up. With all the extra apartment inventory in DC now, the interesting thing we are seeing is that older buildings are getting in on the concession game, too! So it’s possible to get one or two months free at the more budget-friendly buildings.

We’re starting a list of apartment specials here and will add to it as we find more. Hear of an awesome special? Drop us a line at in[email protected] and we’ll be sure to add it to the list!

Avec on H Street

Get up to two months free + $250 gift card

901 H Street NE, Washington, DC Text with an agent: 855-283-1852 Speak with an agent 833-758-5743

Avec on H is a new apartment building on H Street NE. The building has a huge rooftop with a pool, outdoor living rooms with heaters, conversation areas with firepits, and grilling areas. The building has studios, one, two, and three-bedroom apartments starting at $1564. You can get the two-months free movein special by choosing a longer lease term and if you apply within 48 hours of your apartment tour, you get the additional $250 gift card. They are offering self-guided tours and virtual tours. Check out Avec floorplans here.


Dupont Apartments

Get up to two months free!

1717 20th Street NW, Washington, DC

Speak with an agent 833-300-3125

Dupont Apartments is located just two blocks from the Dupont Circle metro stop. The smaller apartment building doesn’t have all the bells and whistles of a new luxury building, but the prices are great and the location can’t be beaten! The building has studios and one-bedroom apartments starting at $1490. You can get the two-months free move-in special on any available apartment right now. They are offering self-guided tours and virtual tours. Check out Dupont Apartments floorplans here.


Aura Pentagon City

Get up to two months free!

1221 South Eads Street, Arlington, VA Speak with an agent 877-472-3092

Aura Pentagon City is located in the heart of Pentagon City. Living here means an easy commute to the Pentagon, Boeing, and the new Amazon HQ2! The building has two rooftop pools, 24-hour concierge, fitness center, and complimentary coffee service! Apartment sizes range from studios up to two-bedrooms and come equipped with large closets, full-size washers and dryers, and gas ranges. You can get the two-months free move-in special on specific apartments right now. Check out Aura floorplans here.


2800 Woodley

Get Six Weeks free!

2800 Woodley Road, NW Washington, DC Speak with an agent 833-226-4798

2800 Woodley is on a residential street in the Woodley Park neighborhood. Just four blocks from the Woodley Park/Adams Morgan metro station, this is a great apartment for car-free living lifestyle. However, the residential street does allow for street parking. This rent-control building has a stunning lobby and some of the friendliest front desk employees you will ever meet. The rent is inclusive of all utilities with the exception of cable/internet. Apartment sizes range from studios up to two-bedrooms and come equipped with large closets, wood parquet floors, and gas ranges. You can get the six weeks free move-in special on any available apartment right now. Check out their floorplans here.



Get up to Two Months Free!

1701 Massachusetts NW Washington, DC Speak with an agent 833-716-9395

Located on Massachusetts Avenue, NW The Baystate is made up of 111 studio apartments. The building offers package receiving and pick-up/delivery dry cleaning service. There is on-site management and for your convenience a mobile app to submit work orders or pay your rent. There are an on-site laundry room and fitness center. In the warmer months, you can enjoy the rooftop deck. Studio apartments at this property start at only $1395! You can get the two-months free move-in special on any available apartment right now. Check out their floorplans here.

Read Apartments With Move-in Specials on Apartminty.


Banquette, Baby!

I’ve been chugging along on the Hood Canal Cottage design – I know I am SO overdue for an update for you, but when you’re in the throes of design deadlines it can be really hard to find a moment to pause and recap everything. But I swear, it’s coming slowly. In recent weeks I’ve moved on from major architectural design and finish decisions into the interior design side of things. It’s been a tad overwhelming, as I haven’t decorated a space from scratch since we moved to San Francisco nearly 10 years ago (did you ever catch the tour of my first place in SF? I’m almost embarrassed to share it, but I was SO proud of it at the time).

Designing the Hood Canal Cottage is a unique situation to be in for a hobby designer like me. Usually, you move and take pieces with you, but since the cottage won’t serve as a full-time residence, I’m starting from a literal blank slate.

My focus this week has been on the dining room – or in this case dining space as the dining area sits within a great room that also houses the kitchen and living room. I’ve been shopping around like a madwoman trying to hone in on the look and feel I want to bring to life in the dining area. I want it to feel distinct and anchored – its own little zone within the larger room. And the idea I keep coming back to again and again is banquette seating.

Banquettes and built-ins have been having a moment for a while now, but I would argue for very good reason. A built-in banquette is a great space saver in a smaller space and increases the capacity around a dining table. Since I envision the Hood Canal Cottage as our hub for future Thanksgiving dinners and holiday gatherings, I definitely want to be able to cram as many people around the table as possible.

Like many of the examples you see here in this post, our dining table will also run parallel to a long wall, rather than float in the middle of the room. This actually limits the ability to pull back a dining chair. I would probably have to use a bench on that side of the table, but a banquette will allow the table to sit a little closer to the wall and not have legs you have to work around, saving precious floor space.

I also love how a banquette offers the opportunity to add big long seat cushions, back pillows, or both! Adding cushy upholstery to a dining space softens areas often dominated by hard surfaces. I love how that brings a sense of coziness, inviting you to sit and linger over your morning coffee, or pour that last little bit of wine and stay up talking. I want this home to encourage anyone who stays there to slow down and enjoy the little moments. Kinda like you’re living on vacation. That is the goal.

Adding a major upholstered piece at the dining table will also help me bridge the living room space and kitchen.

While I am obviously leaning toward jumping on the banquette bandwagon, I do have some convincing to do. Not everyone in my household is into the idea of a banquette. To add to that resistance, I’m not finding any good off-the-shelf options so it’s likely I’d have to go custom to create my vision. Custom is certainly not the most affordable of options.

So what say you? Do you happen to have a banquette in your home?? Do you like it? Have you found it comfy? Useful? Are there downsides you’ve dealt with? I think I’m pretty committed to this design choice at this point, but I would love to hear what you think! Please share in the comments section.

Catch up on the Hood Canal Cottage HERE.

Check out more design ideas HERE.


images vincent van duysen | home designing | mr & mrs white | danthree | amber interiors shoppe / larritt-evans design | poppy talk | nicole franzen | decus interiors / 

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