About us

Meet Your Independent Insurance Agent in Hendersonville, TN

We are an independent insurance agency in Hendersonville that quotes your home, auto, business and life coverage across more than 50 carriers, so you are not stuck with whatever one company happens to sell.

Thirty-Three Years at the Same Desk in Hendersonville

Bill Yon has been writing insurance in Hendersonville since 1993, and The Bill Yon Agency has stayed independent the whole way. That is 33 years of watching what carriers actually pay, which ones hold rates steady, and how claims really go once the paperwork starts.


Karen Coldiron came into property and casualty around the same time Bill did. Between the two of them there is more than 60 years of property-and-casualty experience sitting in one small office on Indian Lake Road.


Long enough to know the neighborhoods, the lake, the flood maps and the local contractors. Small enough that you talk to the same people every time.

Two-story white brick house with a porch and water view, sunny day.
A man and a woman are sitting at a table drinking coffee.

Insurance Explained Like a Neighbor Would Explain It

Our job is to make coverage clear before you buy it, not after something goes wrong. We walk through what a policy pays, what it does not, and where the gaps sit, in plain words and without pressure.


As an independent insurance agency, we are free to tell you when the cheaper option is the right one and when it is not. Nobody at a home office is setting a quota for us.

What Is an Independent Insurance Agent?

An independent insurance agent is appointed by many insurance companies instead of one. A captive agent works for a single company and can only offer that company's policies. We hold appointments with more than 50 carriers, including Erie, Progressive and Travelers, so one conversation gets your information quoted across all of them.


Here is how that plays out in practice.


  • You give us your information once, not once per company.
  • We run it through the carriers that actually write your kind of risk, and put the numbers side by side.
  • We explain why the cheapest quote is or is not the one we would take, based on how that carrier handles claims.
  • When a carrier raises rates at renewal, we re-shop it instead of asking you to accept it.


You do not pay us directly for any of this. Our commission is built into the policy premium and paid by the carrier, at the same rate the carrier would pay anyone selling that policy. Shopping the market through an agent does not add a fee to your premium.

One Agency for the House, the Cars, the Boat and the Business

Most of our clients start with one policy and end up bringing us the rest. We write personal, commercial, life and health coverage, so the same office handles your household and your company.


  • Personal insurance, including auto, homeowners, renters, condo, flood, umbrella, boat, RV, motorcycle, collector car and SR-22 filings.
  • Business insurance, including general liability, business owners policies, commercial property, commercial auto and truck, workers' compensation, professional liability, cyber liability and industry-specific programs.
  • Life insurance, including term, whole, universal, final expense and annuities.
  • Health insurance for individuals, families, seniors and small employers, placed through our health partner.


Bundling across the same carrier often moves the price, and we check that every time.

How We Work With You, From Quote to Claim

You will know before you call what the process looks like, because it does not change.

A check mark icon inside a circle, confirming a selection.

Straight answers on what a policy covers, what it costs and why we are recommending it.

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Callbacks the same day whenever we can, from the person who already knows your file.

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An annual review of your coverage and your rate, whether or not anything changed.

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A real advocate when you file a claim, including following up with the adjuster on your behalf.

We put the whole process in writing so there are no surprises the first time you call.

Four People, and You Will Know All of Them

There is no call center here and no rotating queue. These are the people who answer the phone at 131 Indian Lake Road.

Man with a graying beard smiles, wearing a white shirt, patterned tie, and suspenders.

Bill Yon

Owner/Agent

Bill has been in insurance since 1993 and has run the agency independently ever since. He handles the harder placements, the commercial accounts that need a carrier to make an exception, and the coverage conversations where somebody needs a straight opinion rather than a brochure.

Woman with shoulder-length dark brown hair smiles, wearing a black shirt, against a beige wall.

Karen Coldiron

Business Manager

Karen came into property and casualty around the time Bill started and has been at it ever since. She takes client information, quotes it across the carriers, and carries the policy through underwriting and issuance, mostly by phone. If you have a question about why a rate moved, Karen can usually tell you before pulling the file.

Woman with long brown hair, smiling, wearing an orange turtleneck and gold chain necklace against a light wall.

Sawyer Lee

Customer Relations

Sawyer shares the client-facing work with Karen, from the first call through service and renewals. He gathers what a quote needs, follows the file through underwriting, and handles the day-to-day changes, adding a driver, swapping a vehicle, updating a mortgagee.

Woman smiling outdoors, wearing a gray sweater. Blonde hair, trees in the background.

Elizabeth McGiboney,

Office Manager

Elizabeth is Bill's daughter and works with the agency part-time in a consulting capacity.

Five Stars on Facebook and Yelp, One Neighbor at a Time

We hold 5-star ratings on both Facebook and Yelp from clients across Hendersonville, Gallatin and Nashville. Read them yourself before you call us.

Mary C.

Mike D.

Seth B.

Connie B.

Joe S.

Paul F.

Cris P.

Steve N.

Deana S.

Teresa T.

Elizabeth D.

Rini F.

Timothy C.

Donnie W.

Levin F.

Mike B.

Sandra H.

Carrie W.

Uzziah S.

Ken B.

Brian C.

B R.

Eric G.

Beverly L.

Emerald S.

Keri M.

Ej Y.

Paul L.

Brett B.

Dan T.

Ken

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Where We Work, and Where You'll Find Us

We serve Hendersonville, Nashville, Gallatin and surrounding areas, and our office is at 131 Indian Lake Road, STE 202, Hendersonville, TN 37075, directly across from Hendersonville High School. You can call us at (615) 826-0156, or stop in during office hours if you would rather sit down with somebody. We ask that you schedule in-person consultations ahead of time so the right person is at the desk when you arrive.


Around Sumner County we write a lot of Old Hickory Lake boat and dock coverage, Goodlettsville and Gallatin homeowners policies, and commercial accounts for contractors and shops along Highway 31E. Across Davidson County we handle Nashville homeowners, renters and condo coverage, Nashville business insurance for restaurants, trucking and professional services, and Nashville health insurance for individuals, families and small employers.

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We Sponsor the Things We Show Up To

Our community work is local and specific. We sponsor BBQs, back youth sports and school activities around Hendersonville, and support events and volunteer efforts across Sumner County. If you have seen our name on a banner somewhere, we were probably standing under it.

A pair of hands holding a heart with a cross on it.

Questions People Ask Before They Call Us

  • How is an independent insurance agent paid?

    An independent agent is paid a commission by the insurance carrier, and that commission is already built into the policy premium. You do not write a separate check to the agency, and the same policy does not cost more because you bought it through an agent. That is why comparing carriers through one independent agency costs you nothing but the phone call.

  • Why would I use an independent agent instead of buying direct from one company?

    A single company can only quote its own products, so if its rate is high for your address, your age or your claim history, that is the number you get. An independent agent holds appointments with many carriers and quotes them side by side, then re-shops the policy when a rate moves at renewal. It usually means fewer phone calls for you and a better read on which carrier actually pays claims well.

  • Who owns The Bill Yon Agency?

    Bill Yon owns the agency and runs it out of Hendersonville, Tennessee. He has been in insurance since 1993 and has kept the agency independent the entire time, working alongside Karen Coldiron, Sawyer Lee and his daughter Elizabeth McGiboney.

  • How long has The Bill Yon Agency been in business?

    Bill has been writing insurance in Hendersonville since 1993, which puts the agency at 33 years serving Sumner and Davidson counties. Bill and Karen together bring more than 60 years of property-and-casualty experience.

  • Do you cover Gallatin and the rest of Sumner County?

    Yes. We are licensed across Tennessee and write regularly in Gallatin, Goodlettsville, Old Hickory and the rest of Sumner County, along with Nashville and Davidson County. Our office is in Hendersonville, so most of our clients are within a short drive, though nearly all of the work gets done by phone and email.

Let's Talk

Let's Put Your Coverage in Front of 50 Carriers

Send us what you have now, or tell us what you need, and we will quote it across the carriers that fit. There is no cost to see the numbers and no obligation once you have them. Call (615) 826-0156 and you will get Karen, Sawyer or Bill on the line.