Independent Insurance Agency Serving Nashville, TN

Yes. Tennessee law requires carriers to include uninsured motorist (UM) coverage in every auto policy. However, drivers may reject this coverage in writing under T.C.A. Section 56-7-1201. Approximately 20 percent of Tennessee drivers are uninsured, one of the higher rates in the country. Rejecting UM coverage carries significant financial risk. We explain the trade-offs during every quote.

Nashville homeowners insurance costs vary by home age, construction type, roof condition, coverage limits, and carrier. Middle Tennessee's tornado and severe weather history affects rates, particularly for older homes. As an independent broker we compare 30 plus carriers to find the most competitive rate for your specific property and location in Davidson County.

Middle Tennessee sits within a tornado corridor. Nashville experienced a significant tornado event in March 2020 that caused extensive damage across Davidson and Putnam counties. Standard homeowners insurance covers tornado damage, but your dwelling coverage limit must be sufficient to cover full replacement cost. Many Nashville homeowners are underinsured relative to current construction costs. We review your replacement cost value during every home insurance quote.

Tennessee is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and medical expenses through their liability coverage. Unlike no-fault states, Tennessee drivers can sue the at-fault party for damages. This makes adequate liability limits especially important, particularly given the 20 percent uninsured driver rate in Tennessee.

Most Nashville small businesses need at minimum a General Liability policy. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. Tennessee requires workers compensation for most employers with five or more employees (T.C.A. Section 50-6-405). Service businesses should also consider Professional Liability. We identify the right combination for your industry.

Yes. Renters insurance covers your personal belongings against theft, fire, tornado, and other covered perils, provides liability protection if someone is injured in your rental, and includes loss-of-use coverage if your unit becomes uninhabitable. The building structure is your landlord's responsibility. Nashville renters insurance typically costs $15 to $25 per month depending on coverage limits.

Yes. Dragon Insurance is licensed in Tennessee and serves clients throughout the Nashville metro including Brentwood, Franklin, Murfreesboro, Smyrna, Hendersonville, Antioch, and Mount Juliet. We handle all quotes by phone and online, with no office visit required. Call 717-229-5115 or request a quote online to get started.