Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Franklin, TN

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Franklin Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

50Reviewed

33Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

256 Seaboard Ln STE H102, Franklin, TN 37067

Expertise.com Rating

Review Sources

Google
5.0 (77)

Why choose this provider?

Williams Insurance Group is a Franklin-based independent insurance agency serving the community for more than 19 years. It helps property owners protect their homes against disasters that can potentially be financially damaging or detrimental. The agency also offers other insurance products, such as renters, condo, seasonal home, investment or rental home, and high-net-worth insurance policies. Williams Insurance Group represents insurance carriers like Foremost Insurance Group, Protective, Trexis Insurance, The Hanover Insurance Group, Progressive, and Erie Insurance.

  • Multiple Policy Types

321 Billingsly Court Suite 18, Franklin, TN 37067

Expertise.com Rating

Review Sources

Google
5.0 (73)
Facebook
5.0 (5)

Why choose this provider?

Johnston & Associates Insurance is a family-owned and -operated independent insurance agency based in Franklin with more than four decades of experience in the industry. It provides homeowners insurance policies, which are often package policies covering both liabilities and property damage. Most disasters and weather events are covered in home insurance policies, although homeowners must purchase a separate policy to cover poor maintenance, floods, or earthquakes. Johnston & Associates Insurance also offers other insurance products, like auto, RV, motorcycle, life, commercial, and umbrella policies.

  • Multiple Policy Types

102 Front Street, Franklin, TN 37064

Expertise.com Rating

Review Sources

Google
4.9 (118)
Facebook
5.0 (24)

Why choose this provider?

Stewart Insurance Group is the homeowner's insurance agency of Eric Stewart, a registered and certified insurance agent in Franklin. Since 2013, Stewart has been partnering with leading home insurance companies to provide the metropolitan residents with quotes that best meet their insurance needs. Stewart Insurance Group's list of home insurers includes ASI Insurance, CHUBB Insurance, Foremost Insurance, Nationwide Insurance, and Progressive Insurance. An independent agency, Stewart Insurance Group also offers specialty dwelling insurance plans.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

147 Bear Creek Pike, Columbia, TN 38401

Expertise.com Rating

Review Sources

Google
4.9 (42)

Why choose this provider?

Farm Bureau Insurance is an insurance agency that provides insurance plans or policies to clients around Franklin. It provides different insurance plans like homeowners, property clauses, farm owners, renters, and commercial property. The homeowners' insurance will protect clients' properties and belongings in cases of damages from fire, vandalism, or inclement weather. The coverage may extend beyond the physical house and include coverage for other structures, such as the deck or garage.

  • Multiple Policy Types

354 Cool Springs Boulevard, Franklin, TN 37067

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

John Mceachin, a Farmers insurance agent, provides a variety of insurance options throughout Franklin and the surrounding communities. Farmers, a multi-line insurance agency, has been in the industry for 26 years. As a Farmers agent, Mceachin offers homeowners' insurance to protect his clients' homes from losses and damages. The Smart Plan Home policy utilizes three customizable packages, including the premier, enhanced, and standard ones. Mceachin also caters to his customers' business, umbrella, motorcycle, and recreational insurance needs.

  • Multiple Policy Types

1730 General George Patton Drive, Brentwood, TN 37027

Expertise.com Rating

Review Sources

Google
4.9 (77)
Facebook
5.0 (22)
Yelp
5.0 (3)

Why choose this provider?

Montgomery & Associates Insurance & Financial Services is an agency that provides insurance protection for residents in Franklin and surrounding locations. It comprises insurance and financial professionals who have been offering homeowners insurance protection for families since 2010. The types of coverages included are damaged to the structure of the home, bodily injury liability, personal damage liability, and personal belongings. Montgomery & Associates Insurance & Financial Services also has other insurance products for auto, general liability, life and disability, and business and commercial.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

813 Columbia Ave Ste C, Franklin, TN 37064

Expertise.com Rating

Review Sources

Google
5.0 (39)
Facebook
5.0 (14)
Yelp
4.0 (5)

Why choose this provider?

McDonald Insurance & Financial Services is a locally owned insurance agency that has been providing its expertise to residential and commercial clients around Franklin since 2010. It provides personal insurance, which covers auto, health, and home. Working with reputable insurance agencies across the nation, McDonald Insurance & Financial Services offers homeowners' insurance, which covers dwelling, personal property, and liability protection. Additional coverages include damages to trees, debris removal, and money spent on repairs.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

222 4th Avenue North, Franklin, TN 37064

Expertise.com Rating

Review Sources

Google
4.1 (15)
Facebook
4.6 (5)

Why choose this provider?

Randy Jones & Associates is a multi-insurance line agency that offers homeowners' coverage to clients in Franklin. Founded in 1978, its home insurance plans secure damages sustained from common hazards such as fire, theft, and extreme weather conditions. It counsels clients on the scope of their coverage and on options such as homeowners' liability, scheduled property insurance, and in-home business insurance. Randy Jones & Associates also offer coverages for other types of properties, including renters', condo, and mobile homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

3325 Aspen Grove Drive, Franklin, TN 37067

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (8)

Why choose this provider?

Victoria Hood is a State Farm insurance agent who provides the locals of Franklin with insurance policies. Victoria and her team have more than a decade of experience in the industry. These insurance policies include auto, home, renters, life, and health. The agency also provides auto refinancing, checking, and savings accounts. The homeowners' insurance policy covers the protection of items like jewelry, appliances, furniture, and more. It will also cover the client from threats and damages like lightning, wind, fire, theft, and vandalism.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Williams Insurance Group
256 Seaboard Ln STE H102, Franklin, TN 37067
Johnston & Associates Insurance
321 Billingsly Court Suite 18, Franklin, TN 37067
Stewart Insurance Group
102 Front Street, Franklin, TN 37064
Farm Bureau Insurance
147 Bear Creek Pike, Columbia, TN 38401
John Mceachin - Farmers Insurance Agent
354 Cool Springs Boulevard, Franklin, TN 37067
Montgomery & Associates Insurance & Financial Services
1730 General George Patton Drive, Brentwood, TN 37027
McDonald Insurance & Financial Services
813 Columbia Ave Ste C, Franklin, TN 37064
Randy Jones & Associates
222 4th Avenue North, Franklin, TN 37064
Victoria Hood - State Farm Insurance Agent
3325 Aspen Grove Drive, Franklin, TN 37067

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • When is the best time to change your homeowners' insurance in Franklin?

    The ideal time to switch homeowners' insurance in Franklin is during your policy's upcoming renewal, especially if you're dissatisfied with coverage, the provider, or the lack of expected discounts. This window is also essential for purchasing a new residence due to mortgage requirements. Evaluate your policy's coverage, rates, and service quality within two months of renewal. Lastly, consider exploring better options if your current policy lacks coverage, has high speeds, or has poor service.

  • What are the steps to changing your homeowners' insurance in Franklin?

    When changing your homeowners' insurance in Franklin, ensure a seamless transition with these steps: First, secure a new policy with your chosen provider to prevent coverage gaps. Once approved, cancel your existing policy and obtain written confirmation of the cancellation date. Handle any financial matters like refunds or cancellation fees. Finally, notify your mortgage lender, if applicable, to avoid forced insurance.

  • Are there any risks in Franklin that homeowners' insurance does not cover?

    Yes. Homeowners' insurance policies only focus on four fundamental types of coverage. These policies cover the home's structure, personal belongings, liability insurance, and additional living expenses resulting from temporary displacement due to insured disasters. For this matter, there are exclusions that homeowners in Franklin should be aware of. Such policies do not cover risks like floods, earthquakes, coverage for high-value possessions, or other specific hazards.

  • What factors identify the right amount of homeowners' insurance in Franklin?

    The right amount of homeowners' insurance in Franklin depends on many factors, including the cost to rebuild your home, the value of your possessions, additional living expenses, and liability coverage. Additionally, it considers the age of your property, its location, the materials used, the presence of any special features, and your risk tolerance.

  • What are the common types of coverage included in homeowners' insurance in Franklin?

    A standard homeowners' insurance policy in Franklin covers essential aspects, which refer to damage to the home's structure from events like fire and storm, liability for injuries to non-residents on the property, liability for accidental property damage, and protection for personal belongings against theft and damage. However, high-end collectibles and other valuable products may require separate coverage. Consult with experienced insurance agents to ensure your coverage meets your requirements and accounts for local risks.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.