Personal Insurance Agency Serving Nashville, TN
We are an independent agency covering homes, cars and everything else a Nashville household owns, and because we place coverage with more than 50 carriers instead of one company's product shelf, a renewal increase does not have to be the end of the conversation.
Why Nashville Households Call an Independent Agent
Most people find us after one company gave them one answer. A homeowner in Sylvan Park gets a renewal notice with a number on it that does not match last year. A family in Donelson gets a non-renewal letter for a roof that is fine. When you are with a single carrier, that is where it stops. When you are with us, it is where the work starts.
- Independent since 1993, which is 33 years of writing personal coverage in Middle Tennessee.
- Access to more than 50 carriers, so one company's underwriting decision is not the last word on your house or your cars.
- More than 60 years of combined property and casualty experience between Bill and Karen.
- 5-star ratings on Facebook and Yelp from the people we already take care of.
- One agency handling the house, the cars, the boat and the camper on a single review.
Home and Auto, Quoted Together and Explained Once
Home and auto is the pairing almost every conversation starts with, and it is the reason people want one agency instead of two websites and two logins. We gather the information once, run your house and your vehicles across the carrier options together, and show you what the combination looks like before you commit to anything.
That matters more in Davidson County than it used to. Rebuild costs on the older housing stock in East Nashville and Germantown have moved faster than sale prices, so a dwelling limit set a few years ago is often short of what it would actually take to put the house back. We look at the coverage amount and the vehicles at the same time, because the same carrier decision usually affects both.
Personal Coverage We Write for Nashville Clients
Every line below is written for Nashville and Davidson County households. Start with the one you came here for, and we will sort out the rest on the phone.
Auto Insurance
Nashville auto insurance — liability, collision and comprehensive for commuters, families with teen drivers and multi-vehicle households.
Home Insurance
Nashville homeowners insurance — dwelling, contents and liability coverage built around what your house would cost to rebuild today.
Renters Insurance
Nashville renters insurance — contents and liability for the apartments and rental houses across 12 South, Midtown and East Nashville.
Condo Insurance
Nashville condo insurance — the unit owner coverage that picks up where a downtown or Gulch association master policy stops.
Flood Insurance
Nashville flood insurance — separate flood coverage for properties inside and outside the mapped zones, since a standard home policy excludes it.
Umbrella Insurance
Nashville umbrella insurance — additional liability limits stacked above your home and auto policies.
Mobile/Manufactured Home Insurance
Nashville mobile and manufactured home insurance — coverage written for manufactured housing rather than adapted from a site-built form.
Boat and Watercraft Insurance
Nashville boat and watercraft insurance — hull, liability and trailer coverage for boats kept on Percy Priest and Old Hickory Lake.
RV Insurance
Nashville RV insurance — motorhomes, travel trailers and fifth wheels, on the road and in storage.
Collector Car Insurance
Nashville collector car insurance — agreed value coverage for vehicles that are not daily drivers.
Scheduled Personal Property Insurance
Nashville scheduled personal property insurance — rings, instruments, cameras and other items worth listing separately from your contents limit.
SR-22 & High-Risk Driver Coverage
Nashville SR-22 and high-risk driver coverage — filings handled with carriers that write these policies routinely.
Own a business as well as a home? Our Nashville business insurance pages cover the commercial side.
Coverage Questions That Come Up Across Davidson County
Nashville is not one insurance market. What we look at changes with the neighborhood and the kind of place you live in.
- East Nashville and Germantown: older homes where the rebuild cost, not the sale price, sets the dwelling limit, and where updates to wiring, plumbing and roofing change which carriers will write the risk.
- The Gulch and downtown condos: the master policy determines whether your unit's walls, floors and fixtures are yours to insure, so we read it before we quote.
- 12 South, Midtown and Green Hills rentals: renters coverage for contents and liability, which most leases now require in writing.
- Bellevue, Madison, Antioch and Hermitage: properties near creeks and drainage where flood exposure exists outside the mapped high-risk zones.
- Donelson and Sylvan Park: households insuring a home, two or three vehicles and often a boat or camper under one review.
Percy Priest and Old Hickory sit close enough to Nashville that recreational coverage comes up in a lot of these conversations. If there is a boat, a trailer or an RV in the picture, we quote it alongside the house and the cars rather than sending you somewhere else for it.
We Are Twenty Minutes Up the Road, and We Answer the Phone
Our office is at 131 Indian Lake Road, Suite 202 in Hendersonville, directly across from Hendersonville High School, about twenty minutes from most of Davidson County. Karen and Sawyer handle Nashville accounts end to end: gathering your information, quoting it across the carrier options, and carrying it through underwriting and issuance. You get the same two names every time you call, not a queue.
Most of that happens by phone, which is how the majority of our Nashville clients prefer it. If you would rather sit down with the policies in front of you, call ahead and we will put you on the calendar.
- Phone: (615) 826-0156
- Office: 131 Indian Lake Road, STE 202, Hendersonville, TN 37075
- Hours: Monday through Thursday, 9am to 5pm; Friday, 9am to 4pm
You can see
how the quoting process runs before you call, so there are no surprises on the first conversation.
Nashville Insurance Questions We Get Asked Most
Do I need flood insurance in Nashville if my home is not in a flood zone?
It is worth quoting either way. Standard homeowners policies exclude flood entirely, and a meaningful share of Nashville flood claims come from properties outside the mapped high-risk zones, where drainage and creek backup do the damage. Coverage outside a high-risk zone is generally less costly to write, so the question is usually worth asking before you decide.
What car insurance does Tennessee require me to carry?
Tennessee's financial responsibility law sets minimum liability limits of $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. Those minimums cover very little in a serious Nashville accident, and property damage in particular runs out quickly against current vehicle values. Most of our clients carry limits well above the state floor, and we will show you what the higher limits look like.
Why is my Nashville home insured for more than I could sell it for?
Your dwelling limit is based on what it would cost to rebuild the house, not what it would sell for, and those two numbers have moved apart in Nashville as construction and labor costs have risen. On older homes in East Nashville, Germantown and Sylvan Park especially, rebuilding to current code often costs more than the market value of the property. We review that limit whenever we quote a home.
What does my condo association's master policy actually cover?
It depends on how the association's policy is written, and they are not all the same. Some cover the unit to the bare studs, leaving your flooring, cabinets, fixtures and improvements to you. Others stop at the exterior walls. We read the master policy before quoting a unit owner policy so your coverage lines up with the gap rather than duplicating what the association already carries.
Can I bundle home and auto insurance in Davidson County?
Yes, and most carriers we work with credit the combination. We quote the house and the vehicles together across the carrier options so you can compare the bundled result rather than piecing two separate policies together and hoping they fit. It also means one renewal date and one phone number when something changes.
How does an independent agency quote differently from calling one company?
A single company can only offer you its own product and its own underwriting decision. We take your information once and take it to more than 50 carriers, which matters most when a home has been non-renewed, a driver has a recent violation, or a property has a feature one carrier will not write. Different carriers see the same risk differently, and finding that difference is the work.
Do I have to come to your office to get a Nashville policy?
No. Nearly all of our Nashville accounts are handled by phone and email from start to finish, including quotes, signatures and issuance. The office is at 131 Indian Lake Road in Hendersonville if you would rather come in, and we will schedule a time so someone is expecting you.
Let's Talk
Get Your Nashville Home and Auto Quoted Together
Send us what you have now, even if it is a pile of declarations pages from three different companies. We will sort out what you are actually covered for, quote it across the carriers, and tell you plainly what we think. Call (615) 826-0156 or send us your information and we will take it from there.
