Tennessee Independent Agents

All Your Tennessee Insurance Needs Met in One Place

Get help from one of our Tennessee independent agents

They understand your risks and will find you the coverage you need.

Most Popular Coverages in Tennessee

What is an independent insurance agent?

The national yearly premium average is $1,132, but the Tennessee yearly premium average is $1,139, which places them as the 19th most expensive state for home premium in the US. 

Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, the damage is covered if the property owner has a suitable homeowners insurance policy in Tennessee.

Tennessee requires its drivers to stay protected with minimum coverage up to $50,000 for all persons injured in an accident, $25,000 for an individual, and $25,000 for property damage. But chances are these limits won't be enough if an accident occurs. It's a good idea for vehicle owners to consider purchasing a policy with higher limits so they can have peace of mind when they're on the road. 

Business insurance in Tennessee will pay for damage to buildings, which is called commercial property insurance. Business insurance will also pay for damage to business property, which is referred to as business personal property insurance. General liability will cover damage to a third party's property as well as any medical bills. Tennessee businesses can also be covered with commercial vehicle and worker's compensation insurance, which protects work vehicles and employees.

If an employee is injured or becomes ill on the job in a Tennessee business, the costs associated with necessary medical treatment and lost wages can add up quickly. Worker's compensation insurance protects both businesses and employees by offering benefits to injured workers while reducing the likelihood that businesses will need to deal with expensive lawsuits. 

They need commercial property coverage, which includes buildings and the contents inside them. There is also immovable personal property. This would be kitchen equipment, built-in furniture, and the like. It’s not typically covered under a general policy, so will require additional coverage.

Different types of vehicles have different insurance coverage requirements as mandated by the state of Tennessee. Company cars must be covered by the same liability minimums as passenger cars. These are $25,000 for bodily injury per person, $50,000 for bodily injury per accident involving two more injured parties, and $15,000 in property damage coverage per incident, 

Every business should have its property and employees protected. And because this line of work involves dealing with so many customers, it’s extremely important to keep the business going strong. Coverage is available for many types of hotel businesses, including premier and full-service hotels, boutique hotels, and condo hotels

When deciding to raise liability protection limits, it's important to find a professional who understands the unique risks of businesses and can help them find the right protection at the best price. An agent is always available to get quotes, make policy modifications, and help with filing  claims.

Renters insurance in Tennessee can offer coverage for some of the most common risks that renters face. Usually, these policies contain a group of insurance options. A typical renters insurance policy in Tennessee may contain the following coverages: personal property, personal liability, loss of use, and floods.

A number of factors go into calculating life insurance rates, but the four most influential factors are the following: the policyholder's age at the time they purchase the policy; their height-to-weight ratio; the insureds health history and the health histories of their immediate family members; and whether they smoke or use nicotine products

Life insurance companies base their rate calculations on several different factors. It is possible to get approximate rate quotes based on age and the size and type of policy desired, but many companies will not provide actual, final rates until after an applicant has completed a health history questionnaire and passed a physical examination that includes blood tests. 

What Our Customers Are Saying