Insurance for Nashville and Middle Tennessee

Elite Insurance Group is a family-owned independent agency based in Knoxville, and we insure clients across Tennessee, including Nashville and the surrounding counties. We work with more than 30 insurance companies, so we can match a Franklin home, a Nashville short-term rental or a Murfreesboro contractor with a company that fits, and handle it all by phone and online.

Insurance for Middle Tennessee homes, families and businesses

  • Fast-growing suburbs: new construction in Williamson, Rutherford, Wilson and Sumner counties. We set dwelling coverage to what it would cost to rebuild today and get proof of insurance to your lender before closing.
  • Storms and tornadoes: Nashville has seen major tornadoes, including March 2020. Check your wind and hail deductible, which is often a percentage of your dwelling coverage, and make sure your coverage keeps up with rebuilding costs.
  • Flood: the May 2010 flood showed how far water can reach beyond mapped flood zones. Standard homeowners policies exclude flood, and flood policies usually have a 30-day waiting period.
  • Short-term rentals: Metro Nashville requires a short-term rental permit from Metro Codes before you list. A short-term rental policy covers the building, guest liability and lost rental income.
  • Lake homes and boats: Percy Priest and Old Hickory lakes. See lake home and boat insurance.
  • Drivers: long commutes on I-24, I-40, I-65 and Briley Parkway make liability limits and uninsured motorist coverage worth a close look.
  • Businesses: contractors, restaurants and bars, trucking and service businesses, with workers' comp and same-day certificates in most cases

How we work with clients outside Knoxville

Our office is in Knoxville, and most of our clients never need to visit it. Quotes, policy changes, certificates of insurance and claims all happen by phone, email and our online Client Service page. You get the same licensed agents, the same carriers and the same follow-through as a client down the street.

  1. Tell us what you have. Start a quote online or send a photo of your current declarations page.
  2. We ask the questions that matter. Roof year, updates, drivers, how the property or business is used.
  3. You get a recommendation, not a stack of quotes. We explain the coverage, the gaps we found and the price.
  4. We stay with you. Changes and claims go through the same team every time.

Coverage we write

Why East Tennessee clients choose Elite Insurance Group

  • The right market: we work with more than 30 insurance companies across personal, business, bonds and excess and surplus lines, so we can place hard-to-fit risks, not only the easy ones.
  • A second look: a licensed agent checks your coverage for gaps before you buy: limits, deductibles, roof and water coverage, and easy-to-miss add-ons.
  • Rate checkups: when your life changes, we look for every discount you qualify for and update what matters, like a new roof year, a driver added or removed, or a move. No agency fees on top of your premium.
  • Claim-day help: we walk you through what to do next, help you report the claim and follow up if it stalls.
  • Local people: a family-owned Knoxville agency serving clients for more than 25 years. Requests sent through our Client Service page reach our team even on nights and weekends.

Frequently asked questions

Do you insure homes and cars in Nashville?

Yes. We're licensed in Tennessee and insure clients in Nashville, Franklin, Brentwood, Murfreesboro, Hendersonville, Mt. Juliet and the rest of Middle Tennessee.

Do I need to visit your Knoxville office?

No. Quotes, policy changes, certificates and claims all happen by phone, email and our online Client Service page.

Do I need a permit for a Nashville short-term rental?

Yes. Metro Nashville requires a short-term rental property permit from Metro Codes before you list the property. Your insurance should be a policy written for rentals, not a standard homeowners policy.

Does homeowners insurance cover tornado damage?

Wind damage from a tornado is generally covered by homeowners insurance, subject to your wind and hail deductible. Flooding from heavy rain is not covered without a separate flood policy.

Can you insure my business in Middle Tennessee?

Yes. We write general liability, commercial property, commercial auto, workers' comp and umbrella coverage for businesses across Tennessee.

Related coverage

Short-term rental insurance · Home insurance · Chattanooga · Insurance questions

Get a quote

Tell us what you need and a licensed local agent will follow up. Start your insurance quote or call (865) 687-5140, Monday to Friday, 9 to 5.