Personal Insurance in Hendersonville, TN
We are an independent agency on Indian Lake Road writing home, auto and everything else a Hendersonville family owns, shopping more than fifty carriers so your coverage is built around your household instead of one company's product shelf.
One Agency for Everything You Own in Hendersonville
Most people come to us with a house at one company, a truck at another and a boat somewhere they cannot remember. We put all of it in front of us at once, look for the gaps between the policies, and quote the whole picture across our carrier options.
We write personal insurance for Hendersonville, Nashville, Gallatin and surrounding areas. Around Sumner County that means the neighborhoods off Main Street and New Shackle Island Road, the older housing stock in Goodlettsville, and the homes and docks along the water in Old Hickory. A good share of our files also sit south of the county line in Nashville and Davidson County.
We write commercial coverage out of the same office, so if you own the business as well as the house, start with our
Hendersonville business insurance page.
The Coverage Hendersonville Families Ask Us For First
These are the policies that make up most household files in Sumner County. Every one is written through our carrier options, and every one is quoted by the same two people who will answer when you call back.
Auto Insurance
Tennessee requires liability coverage on every registered vehicle, and most Hendersonville households need more than the state minimum once there is a financed car or a teen driver in the mix. Read more on our auto insurance page.
Home Insurance
Covers the house, the detached garage or shop, what is inside, and your liability if someone is hurt on the property. Read more on our homeowners insurance page.
Renters Insurance
If you rent an apartment or house here, your landlord's policy covers the building and nothing of yours. Read more on our
renters insurance page.
Condo Insurance
Your association's master policy stops somewhere, and where it stops is usually the drywall in. Read more on our
condo insurance page.
Mobile/Manufactured Home Insurance
Manufactured homes are rated and underwritten differently than site-built houses, and not every carrier writes them. Read more on our mobile and manufactured home insurance page.
What People Add Once the Basics Are Settled
Three coverages come up in almost every review we do, usually because a home or auto policy alone leaves them out.
Umbrella Insurance
Sits above your auto and home liability limits and picks up where they run out, which matters if you have assets, rental property or young drivers. Read more on our umbrella insurance page.
Flood Insurance
Homeowners policies exclude flood, and properties near the Cumberland River floodplain and the creeks that feed it can take water without being in a mapped high-risk zone. Read more on our flood insurance page.
Scheduled Personal Property Insurance
Rings, firearms, instruments and collections hit a low sublimit on a standard home policy, so they get listed and valued separately. Read more on our scheduled personal property insurance page.
Coverage for What Sits in the Driveway and at the Dock
Old Hickory Lake is ten minutes from most of Hendersonville, and a lot of what our clients own does not fit on a home or auto policy.
Boat & Watercraft Insurance
Bass boats, pontoons and personal watercraft kept on Old Hickory Lake need their own hull, liability and towing coverage. Read more on our boat and watercraft insurance page.
RV Insurance
Travel trailers, fifth wheels and motorhomes carry both vehicle exposure on the road and contents exposure at the campsite. Read more on our RV insurance page.
Motorcycle Insurance
Bikes and ATVs need liability, physical damage and coverage for the accessories and gear that came after you bought it. Read more on our motorcycle insurance page.
Collector Car Insurance
Agreed-value coverage means the number you and the carrier settle on is the number paid, rather than a depreciated book value. Read more on our collector car insurance page.
Coverage for What Sits in the Driveway and at the Dock
Old Hickory Lake is ten minutes from most of Hendersonville, and a lot of what our clients own does not fit on a home or auto policy.
Agreed-value coverage means the number you and the carrier settle on is the number paid, rather than a depreciated book value. Read more on our collector car insurance page.
Collector Car Insurance
SR-22 & High-Risk Driver Coverage
An SR-22 is a certificate a carrier files with the state confirming you carry liability coverage, and not every company will write the policy behind it. We know which of ours will, and we can get the filing moving the same day you call. Read more on our SR-22 and high-risk driver coverage page.
Home and Auto Insurance in Hendersonville, TN, Quoted Together
When you ask us for home and auto insurance, we do not quote one and then circle back to the other. We take the house, the vehicles and the drivers in a single sitting and run them through our carrier options at the same time, because the companies that price a home well are not always the ones that price the cars well.
What that gets you is a side-by-side you can actually read: the same coverages, the same deductibles, and the real difference between carrying both policies in one place and splitting them up. Sometimes the split still wins, and we will tell you when it does.
How Getting a Quote Actually Goes Here
Two people handle this work, start to finish. Karen Coldiron and Sawyer Lee split the client-facing files between them, so the person who takes your information is the person who carries it through.
Step 1:
We gather what we need
One call, usually fifteen or twenty minutes. Current declarations pages help, but we can work from your address, vehicles and drivers if the paperwork is buried somewhere.
Step 2:
We shop it across the carriers
We quote your coverage through the companies that fit your household, then read what comes back. Bill and Karen bring more than sixty years of combined property-and-casualty experience to that part.
Step 3:
We carry it through issuance
Once you pick, we handle underwriting, any questions the carrier has, and issuance, then confirm the policies are in force. Most of it happens by phone, and you can always come sit at the desk instead.
More on
what to expect when you work with us.
Independent in Hendersonville Since 1993
We opened here in 1993 and have written personal insurance out of this town for thirty-three years. Being independent means we are not obligated to one company's rates or appetite, so when a carrier stops fitting your file, we move it rather than defend it.
- Independent agency since 1993, thirty-three years in Hendersonville
- Access to more than fifty insurance carriers rather than a single company's product shelf
- More than sixty years of combined property-and-casualty experience between Bill and Karen
- 5-star ratings on both Facebook and Yelp
- An office at 131 Indian Lake Road, STE 202, Hendersonville, TN 37075, directly across from Hendersonville High School
You can reach us at (615) 826-0156, Monday through Thursday from 9am to 5pm and Friday from 9am to 4pm. Walk-ins are welcome, and in-person consultations are easiest when they are scheduled ahead. More about the agency is on our about page.
What Hendersonville Clients Say
Questions We Get From Hendersonville Households
Who writes home and auto insurance in Hendersonville, TN?
The Bill Yon Agency writes both, out of one office at 131 Indian Lake Road in Hendersonville. We are an independent agency, so instead of one company's rate we quote your home and vehicles across more than fifty carriers and show you what each one comes back with. Call (615) 826-0156 to start.
Can I bundle my home and car insurance in Hendersonville?
Yes, and most households here do. We quote the house and the vehicles together through the same set of carriers, then compare carrying both in one place against splitting them between two companies. Which one wins depends on the home, the drivers and the claims history, so we run it rather than assume it.
What personal insurance do I need in Sumner County, TN?
Tennessee requires auto liability on every registered vehicle, and a mortgage lender will require homeowners coverage. Beyond that, the common additions here are umbrella liability, flood for properties near the Cumberland River floodplain, and separate policies for boats, RVs, motorcycles and collector cars. We go through the list with you rather than sell from it.
Is there an insurance office in Hendersonville I can walk into?
Our office is at 131 Indian Lake Road, STE 202, directly across from Hendersonville High School, and we are open Monday through Thursday 9am to 5pm and Friday 9am to 4pm. Most of our clients handle everything by phone, but you are welcome to come in and sit down with us. Calling ahead means we will have your file pulled up when you arrive.
How long does it take to get a quote?
Most personal quotes come together within a business day once we have your current coverage details, vehicles and drivers. SR-22 filings can often be started the same day you call.
Bring Us the Pile of Policies
If you are not sure what you have or whether it fits together, that is a normal place to start. Send us what you are carrying now and we will read it, tell you plainly where the gaps are, and quote it across our carrier options.
Let's Talk
One Agency, All Your Insurance—Protect Every Part of Life
The Bill Yon Agency helps Tennessee families, homeowners, and drivers simplify insurance, maximize savings, and get reliable protection all in one place. Let us guide you to a complete solution—so you never have to wonder if you’re fully covered.
