Home insurance companies in Tennessee play a crucial role in safeguarding personal assets against various potential risks. These firms offer a range of products including homeowner's insurance, renters insurance, and specialized coverage options tailored to the unique needs of Tennesseans. Notably, the industry is witnessing a trend towards customization, with many agencies using technology to deliver tailored options and expedite claims processes. Additionally, growing awareness of natural disasters and changes in urban development are prompting homeowners to seek better coverage, fostering innovation and competition amongst insurance providers in the region.

The companies featured in this list range from small agencies to larger firms and are primarily headquartered throughout Tennessee, including cities like Nashville, Memphis, and Cookeville. Founded between the 1910s and 2000s, these organizations specialize in various insurance products, notably home, auto, and additional coverage options for businesses and personal needs. Many of the companies are family-owned or privately operated, prioritizing personalized service and community engagement to enhance client relationships and satisfaction.

Continue reading to learn about the top home insurance companies in Tennessee.

Top 23 Home Insurance Companies in Tennessee

1. Farm Bureau Insurance of Tennessee

• Website: fbitn.com
• Ownership type: Private
• Headquarters: Columbia, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1948
• Headcount: 1001-5000
• LinkedIn: farm-bureau-insurance-of-tennessee

Farm Bureau Insurance of Tennessee, founded in 1948, is a private insurance company based in Columbia, Tennessee. With a workforce of over 1,100 employees, the company specializes in a variety of insurance products, including auto, home, life, and business insurance. They primarily serve individuals and families throughout Tennessee, providing essential financial protection against various risks. The company operates through a network of more than 500 local agents, ensuring that customers receive personalized service and support. Farm Bureau Insurance is particularly noted for its home insurance offerings, which are designed to protect homeowners from potential losses. Their claims process is supported by a dedicated team of over 350 claims professionals, ensuring that customers receive timely assistance when needed. The company has built a reputation for reliability and community involvement, making it a trusted choice for many Tennesseans.

2. Swallows Insurance Agency

• Website: swallowsinsurance.com
• Ownership type: Private
• Headquarters: Cookeville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1956
• Headcount: 11-50
• LinkedIn: swallows-insurance-agency

Swallows Insurance Agency, founded in 1956 and based in Cookeville, Tennessee, is a private insurance agency that provides a wide array of personal and commercial insurance products. With a team of 11 to 50 employees, the agency specializes in connecting clients with various insurance carriers to secure the best coverage options tailored to individual needs. Their offerings include auto, home, life, and health insurance, as well as specialized commercial insurance for different industries. The agency prides itself on delivering high-quality service and maintaining strong relationships with clients, ensuring that every call is answered by a person rather than an automated system. This personal touch, combined with their focus on financial stability and quick claims processing, underscores their commitment to client satisfaction and industry relevance.

3. Zander Insurance

• Website: zanderinsurance.com
• Ownership type: Private
• Headquarters: Nashville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1925
• Headcount: 51-200
• LinkedIn: zander-insurance

Zander Insurance, based in Nashville, Tennessee, is a private insurance agency founded in 1925. With a workforce of approximately 180 employees, the company specializes in offering a variety of insurance products, including life, auto, home, and identity theft protection. Zander Insurance operates by comparing rates from numerous top insurance companies, ensuring that clients receive the best possible options tailored to their needs. The agency serves both individual consumers and businesses, emphasizing customer satisfaction and transparency in the insurance process. Their affiliation with financial expert Dave Ramsey further enhances their credibility, particularly among clients who value financial wisdom and guidance in their insurance decisions.

4. Cumberland Insurance Agency

• Website: cumberlandinsurance.com
• Ownership type: Private
• Headquarters: Cookeville, Tennessee, United States (USA)
• Founded year: 1996
• Headcount: 11-50
• LinkedIn: cumberland-insurance-agency

Cumberland Insurance Agency, established in 1996, is a private insurance agency based in Cookeville, Tennessee. With a team of 16 employees, the agency specializes in a wide array of insurance products, including auto, home, business, and life insurance. They cater to both individual consumers and businesses, focusing on risk management and asset protection through customized insurance solutions. The agency operates multiple offices across Tennessee, enhancing their local reach and customer engagement. Their independence allows them to offer a variety of products from different carriers, ensuring that clients receive options that best fit their needs. Cumberland Insurance Agency is dedicated to providing personalized service and has built a reputation for reliability and responsiveness in the insurance market.

5. Sneed Insurance

• Website: sneedinsurance.com
• Ownership type: Family Owned
• Headquarters: Memphis, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1957
• Headcount: 11-50
• LinkedIn: srg-inc

Sneed Insurance, based in Memphis, Tennessee, is a family-owned independent insurance agency that has been serving clients since 1957. With a team of approximately 27 employees, the agency focuses on providing tailored insurance solutions for both individuals and businesses. They offer a comprehensive range of products, including home insurance, auto insurance, life insurance, and various commercial insurance options. Sneed Insurance prides itself on its ability to shop around for the best coverage and pricing, representing over fifty different insurance companies. This independence allows them to provide unbiased advice and customized strategies that adapt to the changing needs of their clients. Their commitment to building long-lasting relationships and offering educational resources further enhances their role in the insurance industry.

6. TIS Insurance Services, Inc .

• Website: tisins.com
• Ownership type: Private
• Headquarters: Knoxville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1945
• Headcount: 51-200
• LinkedIn: tis-insurance-services-inc-

TIS Insurance Services, Inc., based in Knoxville, Tennessee, has been a significant player in the insurance sector since its establishment in 1945. With a workforce of approximately 132 employees, the company operates as a private insurance agency, providing a wide array of personal and commercial insurance products. Their offerings include auto, home, health, and life insurance, catering to both individual consumers and businesses. TIS is particularly focused on home insurance, providing tailored coverage options that protect one of a person's most valuable assets. The agency prides itself on its client-centric approach, emphasizing quality service and competitive proposals. With over 75 years of experience, TIS has built strong relationships with top insurance carriers, allowing them to offer exclusive programs and effective risk management solutions. Their commitment to claims advocacy and loss prevention further underscores their dedication to client satisfaction and protection.

7. White & Associates Insurance Agency

• Website: whiteandassociates.net
• Ownership type: Private
• Headquarters: Dyersburg, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1976
• Headcount: 51-200
• LinkedIn: white-and-associtates

White & Associates Insurance Agency, founded in 1976 by Larry White, is a privately owned insurance agency based in Dyersburg, Tennessee. With a workforce of approximately 77 employees, the agency has grown significantly since its inception, expanding to 12 locations across West Tennessee, Missouri, and Arkansas. White & Associates provides a variety of insurance products, including home, auto, life, and health insurance, catering to both individual consumers and businesses. The agency has established itself as the largest independent Allstate agency in Tennessee and has received recognition for its customer service and employee satisfaction. Their approach emphasizes community involvement, as seen in their 'Referrals for a Cause' program, which has raised over $44,000 for local non-profits since 2015. This commitment to community and customer service positions them as a relevant player in the home insurance market.

8. Lester, Greene, McCord & Thoma Insurance

• Website: lester-greene-mccord-thoma.com
• Ownership type: Private
• Headquarters: Tullahoma, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1940
• Headcount: 11-50
• LinkedIn: lester-greene-%26-mccord-insurance

Lester, Greene, McCord & Thoma Insurance, based in Tullahoma, Tennessee, has been serving clients since 1910. This private insurance agency specializes in a variety of insurance products, including home, auto, life, and commercial insurance. With a team of experienced professionals, they focus on providing personalized insurance solutions that cater to the unique needs of both individuals and businesses. The agency prides itself on building strong relationships with clients, ensuring they receive the right coverage at competitive prices. Their commitment to the community is evident through their active participation in local initiatives and partnerships with organizations like Keystone, which enhances their ability to offer comprehensive insurance solutions. With a client base of over 4,000, they have established a solid reputation in the Tullahoma area and beyond, making them a trusted choice for insurance needs.

9. Smith - Berclair Insurance, Inc.

• Website: smithberclair.com
• Ownership type: Family Owned
• Headquarters: Memphis, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1966
• Headcount: 11-50
• LinkedIn: smith---berclair-insurance-inc.

Smith - Berclair Insurance, Inc. is an insurance agency based in Memphis, Tennessee, established in 1966. As a family-owned business, they have built a reputation for providing a wide range of insurance products, including business, auto, home, life, and health insurance. The agency prides itself on its customer service, helping individuals, families, and businesses navigate their insurance needs effectively. They are part of the Trusted Choice® network, which allows them to source coverage from various reputable national and local providers. This independence enables them to offer competitive pricing and personalized plans. Their focus on home insurance includes standard policies that protect against property damage and liability, making them a relevant player in the home insurance market.

10. Griffin Insurance Agency

• Website: griffinins.com
• Ownership type: Private
• Headquarters: Kingston, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1980
• Headcount: 1-10
• LinkedIn: griffin-insurance-agency

Griffin Insurance Agency, based in Kingston, Tennessee, has been serving the community since its establishment in 1980. As an independent agency, it provides a variety of insurance products, including auto, home, life, and business insurance. The agency prides itself on its commitment to customer service, ensuring that clients receive personalized attention and tailored insurance solutions. Griffin Insurance Agency is a member of professional organizations such as the Professional Insurance Agents and the Insurors of Tennessee, which underscores its dedication to industry standards and practices. The agency operates with a fully licensed staff, focusing on building strong relationships with clients and actively participating in community initiatives. This local engagement enhances its reputation and trustworthiness among customers.

11. Widener Insurance Agency, Inc.

• Website: widenerins.com
• Ownership type: Private
• Headquarters: Johnson, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1967
• Headcount: 11-50
• LinkedIn: widener-insurance-inc

Widener Insurance Agency, Inc., based in Johnson City, Tennessee, has been serving clients since 1967. This private insurance agency specializes in a wide array of insurance products, including personal, business, and life & health insurance. They cater to both individual consumers and businesses, providing tailored coverage to mitigate various risks. The agency's focus on customer service is evident in their efficient claims processing and support, ensuring clients receive fair and prompt assistance during losses. Widener Insurance Agency is also a member of Trusted Choice, which reflects their commitment to ethical practices and customer advocacy. Their recognition as the 2023 Best of the Best in Johnson City for auto, home, and business insurance underscores their standing in the local market.

12. Hutsenpiller Insurance

• Website: hutins.com
• Ownership type: Family Owned
• Headquarters: Mt. Juliet, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1992
• Headcount: 11-50
• LinkedIn: hutsenpiller-insurance

Hutsenpiller Insurance, based in Mt. Juliet, Tennessee, is a family-owned insurance agency founded in 1992. The agency specializes in a wide range of insurance products, including home, auto, and business insurance. With a dedicated team of professionals, Hutsenpiller Insurance aims to provide personalized coverage solutions tailored to the unique needs of their clients. The agency prides itself on its commitment to exceptional customer service, which is reflected in numerous positive testimonials from satisfied clients. Hutsenpiller Insurance has also been recognized with several awards, including Business of the Year in 2019 and multiple Agent of the Year accolades. Their focus on community involvement and support for local initiatives further solidifies their reputation as a trusted insurance provider in Tennessee.

13. FMT Insurance

• Website: fmtinsurance.com
• Ownership type: Corporate
• Headquarters: Knoxville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: May 2020
• Founded year: 1913
• Headcount: 1-10
• LinkedIn: farmers-mutual-of-tennessee

FMT Insurance, also known as Farmers Mutual of Tennessee, is an insurance provider based in Knoxville, Tennessee. Established in 1913, the company has been serving the local community for over a century. FMT Insurance specializes in various insurance products, including home, mobile home, farm, and church insurance. Their primary market is Tennessee, where they focus on providing tailored insurance solutions to meet the needs of homeowners and organizations. The company prides itself on a person-to-person approach, emphasizing mutual values and a commitment to putting policyholders first. FMT Insurance aims to deliver good coverage at fair prices while maintaining a financially sound operation. They also offer modern conveniences such as mobile apps for managing policies and claims, reflecting their adaptation to current consumer needs.

14. Carriage Hill Insurance & Risk Management

• Website: carriagehillinsurance.com
• Ownership type: Corporate
• Headquarters: Lenoir City, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: September 2022
• Founded year: 1984
• Headcount: 11-50
• LinkedIn: carriage-hill-insurance-%26-risk-management

Carriage Hill Insurance & Risk Management, founded in 1984, is an independent insurance agency based in Lenoir City, Tennessee. With a team of approximately 24 employees, the agency operates multiple offices across East Tennessee and Kentucky, providing a wide array of insurance products. Their offerings include personal insurance such as home, auto, and flood insurance, as well as business insurance and employee benefits. The agency prides itself on a client-centric approach, emphasizing personalized service and community involvement. With over 300 years of combined experience among their staff, Carriage Hill Insurance aims to deliver tailored insurance solutions that meet the unique needs of individuals and businesses alike. They have not reported any recent funding, indicating a stable operational model focused on service rather than external investment.

15. Price & Ramey Insurance

• Website: priceramey.com
• Ownership type: Private
• Headquarters: Kingsport, Tennessee, United States (USA)
• Founded year: 1914
• Headcount: 51-200
• LinkedIn: price-%26-ramey-insurance-inc.

Price & Ramey Insurance, based in Kingsport, Tennessee, has been serving the insurance needs of individuals and businesses since its founding in 1914. As a private insurance agency, it specializes in a variety of personal and commercial insurance products, including auto, homeowners, life, and health insurance. The agency prides itself on providing personalized service, tailoring insurance solutions to meet the unique needs of its clients. With a network of over 150 insurance carriers, Price & Ramey can match clients with the best policies at competitive prices. The company has built a reputation for its commitment to customer satisfaction, evidenced by a significant number of returning clients and positive testimonials. Despite facing some criticism regarding claims processing times, the agency continues to focus on maintaining strong relationships with its customers and adapting to their evolving insurance needs.

16. Dickey McCay Insurance Agency

• Website: dickeymccay.com
• Ownership type: Private
• Headquarters: Copperhill, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1929
• Headcount: 1-10
• LinkedIn: dickey-mccay-insurance-agency

Dickey McCay Insurance Agency, established in 1929, is a private insurance agency based in Copperhill, Tennessee. With a small team of dedicated professionals, the agency specializes in a wide array of insurance products, including auto, home, life, health, and business insurance. They serve both individual consumers and businesses, providing customized insurance solutions to protect assets and manage risks. The agency operates in multiple states, including Tennessee, North Carolina, and Georgia, and has expanded its reach to include Alabama, Mississippi, Kentucky, and South Carolina. Their focus on community engagement and personalized service reflects their commitment to understanding the unique needs of their clients. With over eighty years of experience, Dickey McCay Insurance Agency has built a reputation for reliability and trustworthiness in the insurance sector, making them a valuable resource for clients seeking comprehensive coverage.

17. Robins Insurance

• Website: robinsins.com
• Ownership type: Private
• Headquarters: Nashville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1976
• Headcount: 11-50
• LinkedIn: robins-insurance-agency-inc

Robins Insurance is an independent insurance agency based in Nashville, Tennessee, established in 1976. With a team of approximately 45 employees, the agency provides a range of customized insurance products, including personal, business, and employee benefits. Robins Insurance serves both individual consumers and businesses across various industries, emphasizing tailored solutions to meet specific insurance needs. Their offerings include home insurance, auto insurance, condo insurance, and flood insurance, showcasing their involvement in the personal insurance market. The agency prides itself on delivering sound guidance and attentive service, ensuring clients receive the protection they require. Robins Insurance operates solely within the United States, reinforcing its focus on the local market and its commitment to understanding regional insurance needs.

18. Collier

• Website: collierinsurance.com
• Ownership type: Private
• Headquarters: Memphis, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1911
• Headcount: 51-200
• LinkedIn: collier-insurance

Collier Insurance, founded in 1911, is a private insurance agency based in Memphis, Tennessee. With a workforce of approximately 108 employees, the company has established itself as a significant player in the insurance market, providing a wide array of products that cater to both commercial and personal needs. Their offerings include homeowners insurance, auto insurance, and individual health coverage, among others. Collier Insurance prides itself on its customer-centric approach, ensuring that clients receive tailored solutions that address their unique circumstances. Over the years, the company has evolved from a local entity into a resource for customers across the nation, maintaining a strong commitment to service and community involvement. The firm has not reported any recent funding, indicating stability and self-sufficiency in its operations.

19. Holt Insurance Agency

• Website: holtinsuranceagency.com
• Ownership type: Family Owned
• Headquarters: Franklin, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1946
• Headcount: 1-10
• LinkedIn: holt-ins-agency

Holt Insurance Agency, based in Franklin, Tennessee, has been serving clients since 1946. This family-owned agency specializes in various insurance services, prominently featuring home and auto insurance. They pride themselves on guiding individuals and families through their insurance needs, ensuring that clients receive appropriate coverage tailored to their lifestyles. The agency emphasizes the importance of regular policy reviews and offers dedicated advisors to assist clients with their insurance queries. Their proactive approach to claims assistance aims to alleviate the stress often associated with filing claims, making the process smoother for clients. Holt Insurance Agency also engages in educational initiatives, providing insights into the insurance industry through their blog and other resources, which further demonstrates their commitment to client service and industry involvement.

20. Bush Insurance & Financial Services

• Website: bushins.com
• Ownership type: Family Owned
• Headquarters: Nashville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1963
• Headcount: 1-10
• LinkedIn: bush-insurance-%26-financial-services

Bush Insurance & Financial Services, Inc. is an independent insurance agency based in Hermitage, Tennessee, with a strong focus on serving the Nashville area. Founded in 1963, the agency has built a reputation for providing tailored insurance solutions across various sectors, including home, auto, business, health, and life insurance. As a family-owned business, they emphasize personal relationships and customer service, helping clients navigate the complexities of insurance by comparing options from multiple trusted carriers. Their offerings in home insurance include policies for homeowners, renters, landlords, and specialized coverage like flood and earthquake insurance. The agency's commitment to understanding the unique needs of their clients has fostered long-term relationships, making them a reliable choice for insurance in the region.

21. Cornerstone Insurance Group

• Website: cornerstoneinsgrp.com
• Ownership type: Private
• Headquarters: Chattanooga, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1996
• Headcount: 11-50
• LinkedIn: cornerstoneinsurancegroup

Cornerstone Insurance Group, established in 1996 and based in Chattanooga, Tennessee, is a private insurance agency with a dedicated team of 27 employees. The company offers a wide array of insurance products, including auto, home, commercial, health, life, and disability insurance, as well as financial services. With a strong emphasis on personal attention, Cornerstone Insurance Group serves both individual consumers and businesses, providing customized solutions to manage risks and ensure financial security. Their independent agents are committed to finding the best policies for their clients, which includes a comprehensive selection of homeowners insurance options. Licensed to operate in Tennessee, Georgia, and Alabama, Cornerstone Insurance Group has built a reputation for quality service and expertise in the insurance industry.

22. Manning Agency

• Website: themanningagency.com
• Ownership type: Private
• Headquarters: Nashville, Tennessee, United States (USA)
• Employee distribution: Philippines 75%, Indonesia 25%
• Founded year: 1978
• Headcount: 1-10
• LinkedIn: manning-agency

The Manning Agency, LLC is an independent insurance agency based in Nashville, Tennessee, founded in 1978. With a small team of dedicated professionals, the agency specializes in both personal and commercial insurance solutions. They offer a range of services, including auto, home, and life insurance, catering to individual consumers and businesses alike. The Manning Agency prides itself on its personalized customer service, aiming to protect clients' assets against unforeseen risks. By partnering with top-rated insurance carriers, they provide clients with tailored coverage options that meet their unique needs. The agency is also actively involved in the community, supporting local initiatives and organizations, which reflects their commitment to service beyond just insurance. Their experienced team serves as trusted advisors, guiding clients through the complexities of insurance and claims processes, ensuring a supportive experience throughout.

23. Southwestern Insurance Group

• Website: swinsurancegroup.com
• Ownership type: Corporate
• Headquarters: Nashville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: July 2021
• Founded year: 2018
• Headcount: 1-10
• LinkedIn: sw-insurance-group

Southwestern Insurance Group, based in Nashville, Tennessee, is an independent insurance agency that provides a variety of personal and business insurance products. Founded in 2018, the company focuses on helping individuals, families, and businesses manage risks and protect their assets through tailored insurance solutions. Their offerings include home insurance, auto insurance, life insurance, and more. The agency prides itself on building personal relationships with clients and providing competitive rates and quality coverage. They are licensed to operate in multiple states, including Tennessee, Georgia, Texas, Florida, and Illinois. As part of the Southwestern Family of Companies, they benefit from a network of support and resources, enhancing their ability to serve clients effectively. Their endorsement as a RamseyTrusted Insurance ELP Agency further underscores their commitment to providing trustworthy and reliable insurance solutions.

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