From the Birdies notebook
Plain-English insurance writing for Tennesseans. No jargon, no fluff, no "contact us for details."
May 1, 2026 · 5 min read
Tennessee auto insurance minimums in 2026 — and why most drivers should buy more
Tennessee's state-minimum auto coverage is 25/50/15. Here's what that actually means, where it leaves you exposed, and the coverage we recommend instead.
April 22, 2026 · 7 min read
How much does homeowners insurance cost in Middle Tennessee?
Real numbers for Williamson, Davidson, and Rutherford county homes — what drives the price and where you can actually save.
April 10, 2026 · 6 min read
BOP vs general liability — which does my Tennessee small business need?
Two policies, one decision. Here's the plain-English difference, and which one fits which kind of business.
March 28, 2026 · 5 min read
Independent agent vs Geico and Progressive — who actually saves you money?
Direct-to-consumer carriers vs an independent agent. The math, the trade-offs, and when one is genuinely better than the other.