Hey Nashville folks — with the way storms have been rolling through middle Tennessee lately, I’m starting to wonder: is tornado coverage something optional for car insurance, or is it automatically included?

I asked a couple of providers and got mixed answers. Some say comprehensive coverage usually handles tornado damage (fallen trees, hail, debris, etc.), but others make it sound like you need to double-check or add it on specifically.

For those living in areas like Donelson, Antioch, or even East Nashville where storms tend to hit harder — do you make sure your car insurance in Nashville, TN includes tornado protection? Or is it just part of a standard policy?

Would love to hear your take — especially if you've ever actually filed a weather-related claim.