Disclaimer: Data Accuracy and Sources
The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.
Welcome to La Vergne, Tennessee – a city where small-town charm meets the vibrant pulse of the greater Nashville area. Nestled in Rutherford County, La Vergne is a community that prides itself on its rich history, friendly atmosphere, and the natural beauty of Middle Tennessee. As one of the region’s rapidly growing cities, La Vergne offers a unique blend of old and new, making it a delightful place to explore.
La Vergne’s history is deeply rooted in the early settlement of Tennessee. Established in the 1850s, the city was named after a prominent French settler, La Vergne, whose legacy is still remembered today. The city began as a small farming community and gradually grew with the arrival of the railroad in the late 19th century. The railroad brought new opportunities, connecting La Vergne to larger markets and helping to establish it as a key player in the region’s agricultural economy.
During the Civil War, La Vergne found itself strategically located along the Nashville & Chattanooga Railroad, making it a site of several skirmishes and military maneuvers. Today, visitors can explore these historical ties through local landmarks and nearby battlefields that tell the story of La Vergne’s role in this pivotal period of American history.
La Vergne’s growth has not diminished its sense of community. The city is known for its friendly residents and a strong spirit of togetherness. This is best experienced during the city’s annual events, such as Old Timers Festival, a beloved tradition that brings together locals and visitors for a weekend of fun, food, and festivities. The festival celebrates the city’s heritage with parades, live music, craft vendors, and family-friendly activities, offering a taste of small-town Americana at its finest.
The city also boasts a variety of community parks and recreational facilities that cater to all ages. Veterans Memorial Park, one of the largest in the area, is a hub of activity, offering sports fields, playgrounds, walking trails, and a beautiful lake for fishing and picnicking. The park also serves as a gathering place for community events and seasonal celebrations, reinforcing the strong sense of community that defines La Vergne.
For those interested in the arts, La Vergne is just a short drive from the vibrant cultural scene of Nashville. Residents and visitors can easily enjoy world-class music, theater, and art galleries in the nearby city, while still returning to the peaceful, laid-back atmosphere of La Vergne.
La Vergne is blessed with the natural beauty that Middle Tennessee is known for. The city is surrounded by rolling hills, lush forests, and scenic waterways, making it a haven for outdoor enthusiasts. Hurricane Creek Recreation Area is a popular spot for those looking to enjoy nature without venturing too far from town. The area offers hiking trails, picnic spots, and opportunities for bird watching, all set against the backdrop of serene woodland.
For water-based activities, Percy Priest Lake is just minutes away from La Vergne. This sprawling reservoir is perfect for boating, fishing, and swimming, providing a refreshing escape during the hot Tennessee summers. The lake is also surrounded by numerous parks and campgrounds, making it an ideal destination for weekend getaways and outdoor adventures.
While La Vergne may be small, it is home to several hidden gems that add to its charm. Miller’s Grocery, located in nearby Christiana, is a must-visit for anyone craving authentic Southern cuisine. This historic country store turned restaurant serves up hearty meals in a cozy, rustic setting, complete with live bluegrass music on weekends. It’s a local favorite that offers a true taste of Tennessee.
For a unique shopping experience, visit the La Vergne Flea Market, where you can find everything from antiques and collectibles to handmade crafts and fresh produce. The market is a treasure trove for bargain hunters and those looking for one-of-a-kind items, reflecting the city’s eclectic and welcoming spirit.
La Vergne, Tennessee, is more than just a suburban outpost of Nashville—it’s a city with its own identity, history, and a strong sense of community. As La Vergne continues to grow, it remains committed to preserving the qualities that make it special: its friendly atmosphere, rich heritage, and natural beauty.
Whether you’re exploring the historical roots of the city, enjoying its outdoor spaces, or simply taking in the local culture, La Vergne offers a warm welcome and a host of experiences that make it a wonderful place to visit or call home. From its quiet neighborhoods to its vibrant community events, La Vergne is a place where the past and present come together, creating a bright future for all who live and visit here. Welcome to La Vergne, where every corner holds a story and every visit feels like coming home.
Yes, mobile home insurance is essential in Tennessee due to the state’s diverse climate and environmental challenges. Insurance provides financial protection against natural disasters, liability issues, and potential losses due to theft or vandalism. Given Tennessee's susceptibility to tornadoes, flooding, and winter storms, having comprehensive coverage ensures you are financially protected in case of damage or loss.
In Tennessee, insurance premiums for homeowners are influenced by a variety of factors. The insurer you choose can significantly impact the premium you pay, as different companies may offer varying rates for similar coverage. Additionally, your decisions regarding the amount of coverage you purchase also affect your premium. Here are some key factors that insurers consider when determining your premium:
By understanding these factors, homeowners in Tennessee can make informed decisions about their insurance needs and find ways to potentially lower their premiums.
The cost of mobile home insurance in Tennessee varies based on several factors:
On average, mobile home insurance in Tennessee can range from $300 to $1,000 annually, depending on these factors.
These hazards are the most significant weather-related threats in La Vergne, TN, based on historical data and the associated risks to both property and personal safety.
Description: Use energy-efficient appliances and consider adding insulation. Importance: Tennessee’s climate can range from hot summers to cold winters, making energy efficiency important for cost savings and comfort.
Description: Regularly check for and address pest infestations. Importance: Tennessee’s warm and humid conditions can attract pests like termites and ants, which can damage homes.
Description: Ensure proper drainage around the home to prevent water accumulation. Importance: Heavy rains and potential flooding in Tennessee necessitate good drainage to avoid water damage and mold.
Description: Be aware of the differences between personal property loans and traditional mortgages. Importance: Many Tennessee homeowners use personal property loans, which can have different terms and protections.
Description: Keep a list of local emergency contacts and services. Importance: Having quick access to local emergency services is vital for addressing urgent issues promptly.
Description: Engage with your local community to stay informed about local issues and opportunities. Importance: Community involvement helps you stay connected and aware of relevant information and support.
While cost should not be the only factor to consider, it is important to evaluate the affordability of the insurance policies you are considering. Obtain quotes from multiple providers and compare them, ensuring you understand the coverage details associated with each quote. Additionally, inquire about any available discounts, such as bundling home and auto insurance or installing security features in your manufactured home, as these can help reduce your premium costs.
The State of Manufactured Housing in Tennessee:
Key Data:
Insights: Manufactured housing plays a crucial role in Tennessee’s housing market due to its affordability compared to traditional homeownership and renting. However, the age of many of these homes, particularly those built before 1980, can lead to higher maintenance costs for homeowners. The affordability and availability of manufactured homes provide an essential housing option, particularly for low- and moderate-income residents, despite potential future expenses related to older units.
Key Data:
Insights: Tennessee offers slightly more affordable housing than the national average, and the state has a relatively low foreclosure rate. However, homeownership rates vary significantly by demographic factors such as race, income, and family structure. Manufactured housing can help bridge some of these gaps by providing an affordable homeownership option. With a substantial portion of manufactured housing being affordable, this type of housing is critical in meeting the state’s need for low-cost housing solutions.
Key Data:
Insights: Manufactured housing is a vital component of affordable housing in Tennessee, particularly for very low-income homeowners who face lower housing cost burdens compared to other forms of homeownership. The significant cost savings per square foot make manufactured homes an attractive option for those seeking affordable housing. This type of housing is essential for providing stable and cost-effective living conditions for a large portion of Tennessee’s population, particularly in a state where homeownership challenges vary widely.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
Mobile homes play a significant role in Tennessee’s housing landscape, offering an affordable and flexible housing solution. To ensure that mobile home owners and residents are well-informed and in compliance with the latest regulations, it’s essential to stay up-to-date with the 2023 mobile home laws in the state. In this comprehensive guide, we’ll explore the key aspects of Tennessee’s mobile home laws for 2023, covering ownership, placement, and essential regulations to help you navigate the mobile home landscape effectively.
Key Points:
Insights: In 2023, Tennessee maintained strict regulations on mobile home ownership to ensure clarity and accountability in property transactions. The titling process serves as irrefutable proof of ownership and imposes the responsibility to transfer the title to the new owner during a sale or transfer. Non-compliance can result in legal and financial penalties, highlighting the importance of adhering to these regulations.
Key Points:
Insights: The placement of mobile homes in Tennessee is tightly regulated by local zoning ordinances, which can differ significantly across regions. Mobile home owners must thoroughly research and comply with these local ordinances to ensure they meet requirements such as property line setbacks, minimum lot sizes, and allowed mobile home types. Understanding these zoning laws is essential for a harmonious community integration and to avoid potential legal issues.
Key Points:
Insights: In 2023, Tennessee continues its commitment to mobile home residents’ safety by enforcing rigorous safety standards. These standards cover critical aspects of mobile home living, ensuring that homes meet specific requirements for electrical systems, plumbing, heating, and ventilation. Mobile home owners should be prepared for periodic inspections to maintain compliance, underscoring the state’s dedication to secure and habitable living environments for all residents.
Key Points:
Insights: Tennessee’s regulations for the transportation and installation of mobile homes prioritize safety and structural integrity. These regulations mandate acquiring the necessary permits and adhering to established guidelines during the disassembly, transportation, and reinstallation processes. Compliance with these regulations is crucial to ensure the safety of the mobile home and the community it is placed within.
In Tennessee, manufactured home residents have homeownership rates comparable to those of residents in other types of housing. Approximately 66% of manufactured home residents own their homes, which mirrors the 66% homeownership rate seen among residents of traditional site-built homes. This parity underscores the significant role that manufactured homes play in providing affordable housing options that facilitate homeownership in the state.
Financing for manufactured homes differs notably from traditional home financing. Owners of manufactured homes are less likely to have a conventional mortgage and are more likely to use personal property loans. These loans, which often come with higher interest rates, shorter prepayment periods, and fewer consumer protections, present unique challenges for manufactured home owners. Unlike traditional mortgages, personal property loans typically classify homes as personal property, akin to vehicles.
This classification can lead to financial drawbacks, as lenders may use depreciation tables similar to those in the auto industry to determine the value of these homes. Consequently, manufactured home owners may experience a decline in their home’s value over time, making it more challenging to build equity and wealth through homeownership. Despite these challenges, the accessibility of personal property loans continues to enable many Tennesseans to achieve homeownership through manufactured homes.
Overall, while manufactured home residents in Tennessee enjoy similar homeownership rates to those living in site-built homes, the financial pathways they navigate can be markedly different, often requiring careful consideration and planning to maximize the benefits of their home investment.
The Manufactured Housing and Modular Buildings Section of the Tennessee Department of Commerce and Insurance oversees the regulatory framework for HUD-labeled manufactured homes and modular buildings. Operating under TCA Title 68 and federal mandates like the National Manufactured Housing Construction and Safety Standards Act of 1974, the section plays a pivotal role in licensing manufacturers, retailers, and installers of manufactured homes. It ensures compliance with safety standards through rigorous inspections and investigates violations of state and federal regulations. Additionally, the section collaborates with HUD as the State Administrative Agent, overseeing aspects such as construction quality control, consumer complaint resolutions, and post-production monitoring of homes in Tennessee.
For those involved in manufactured housing or modular construction in Tennessee, the section provides critical services like license application and renewal, verification, and handling of consumer complaints. It serves as a central hub for resources and information, facilitating the safe and compliant installation and maintenance of manufactured homes and modular buildings across the state. Residents and stakeholders can contact the Manufactured Housing Section at their Nashville headquarters for inquiries, licensing procedures, or to report any issues related to manufactured housing standards and regulations.
Since Tennessee is located inland, and does not have a coastline, there are no Coastal Insurance Pool Services available as per government/subsidized schemes. You might however find some add ons to your insurance plan, like the Inland Marine Select plan available for new construction of individual dwellings and commercial projects with limits of up to $3,000,000 available – according to construction type and protection class, with further limits of up to $500,000 per location – which is excluding wind & hail in coastal areas.
The Tennessee Manufactured Housing Foundation (TMHF), based in Mt. Juliet, TN, is dedicated to assisting Tennessee residents who are economically disadvantaged or facing challenging circumstances related to their manufactured homes. TMHF aims to support the repair and improvement of existing manufactured homes and provide replacement homes to those in need due to income limitations or other hardships.
Key Points:
Insights: Understanding tenant rights and landlord responsibilities is vital for harmonious living in Tennessee’s mobile home parks. The current laws cover essential issues like rent increases, eviction procedures, and tenant protections, aiming to balance the interests of park owners and tenants. These laws foster fairness and equity, ensuring a mutually beneficial mobile home park experience in Tennessee.
Key Points:
Insights: In 2023, Tennessee reinforced its commitment to environmental sustainability in mobile home communities by implementing strict environmental regulations. These rules address critical areas such as responsible sewage disposal, water quality maintenance, and efficient waste management. Adhering to these regulations promotes a healthier living environment and contributes to preserving the state’s natural resources.
Key Points:
Insights: Staying informed about evolving mobile home laws and regulations is crucial for compliance in Tennessee. The legal landscape can undergo revisions and updates to address new issues and changing circumstances. By frequently checking for updates and consulting with relevant authorities, mobile home owners and residents can navigate new provisions effectively and continue enjoying the benefits of mobile home living with confidence.
Navigating the current mobile home landscape in Tennessee requires a thorough understanding of the state’s laws and regulations. From ownership and placement to safety standards and tenant rights, being aware of these laws is essential for both mobile home owners and residents. By staying informed and adhering to the latest regulations, you can ensure a smooth and compliant mobile home experience in the Volunteer State.
For more information on your rights visit the following resources:
It’s essential to compare quotes from various insurance providers and work with local agencies that understand La Vergne’s specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or storm damages. Always remember to ask about any available discounts that you may be eligible for!
Proximity to Percy Priest Lake Flood Coverage
Sinkhole Coverage
Manufactured Home Foundation Coverage
Proximity to Interstate Noise and Vibration Coverage
Enhanced Hail and Storm Damage Coverage
Noise Barrier and Insulation Inclusion
