The Best Independent Insurance Agent in Tennessee

Birdies Insurance is an independent insurance agent based in Franklin, Tennessee, serving homeowners, drivers, and business owners statewide. As an independent agency we shop 15+ top-rated carriers in a single quote and represent the customer — not one carrier — so we can place you with whichever company best fits your home, vehicles, and budget. Office: 188 Front St, Suite 116 PMB 223, Franklin, TN 37064. Phone: (615) 378-7187.

An independent insurance agent represents multiple insurance carriers rather than just one. A captive agent (a State Farm, Allstate, or Farmers office) can only sell that one company's policies. An independent agent like Birdies Insurance can shop 15+ carriers at once, then place you with whichever wins on price and coverage. In Tennessee, where homeowners premiums rose 20–40% in 2024–2026 and several carriers tightened guidelines or stopped writing certain homes, having someone shop the whole market on your behalf is more valuable than ever.

Birdies Insurance is licensed across Tennessee and writes policies statewide — from Memphis and Jackson in the west, through Nashville and Middle Tennessee, to Chattanooga, Knoxville, and the Tri-Cities in the east. Our office is in Franklin (Williamson County), and most of our clients are in Middle Tennessee, but carrier availability and quoting are statewide. Call (615) 378-7187 or request a quote with your ZIP and we'll tell you which carriers are competitive for your address.

Often, yes — but the honest answer is "it depends on your profile." Direct carriers like GEICO and Progressive can be the cheapest option for a clean-record driver with simple auto coverage. They're often not the cheapest for homeowners insurance, bundled home + auto, teen drivers, SR-22 filings, high-mileage drivers, or anyone who's been non-renewed. Because Birdies Insurance shops 15+ carriers at once, we can tell you in a single quote whether a direct carrier would beat us — and recommend it if so. That's the point of being independent: we work for the customer, not the carrier.

Goosehead and Brightway are also independent agencies, so structurally we shop carriers the same way — the practical differences are local Tennessee ownership (not a national franchise) and direct access to the agent who quotes you, instead of a 1-800 call center. Aggregator sites like The Zebra, Insurify, or NerdWallet are lead-generation marketplaces: they sell your information to multiple agents and carriers who then call you. Birdies is the agent — one point of contact who shops the market for you and stays with the policy after it's written.

Birdies Insurance writes Tennessee homeowners insurance (primary, secondary, rental, and high-value homes, including older homes and recently non-renewed customers), Tennessee personal auto (including teen drivers, SR-22, and high-mileage), and Tennessee commercial insurance (BOPs, general liability, commercial auto, and workers' comp for small businesses). We also hold a national specialty in golf course and individual golfer coverage that few generalist agencies handle.

Yes — this is one of the most common reasons people come to us. We work with standard-market and surplus-lines carriers actively writing Tennessee homeowners insurance for customers with prior claims, older roofs, or a recent non-renewal. The earlier you reach out the more options we have, because some carriers won't bind inside 30 days of a non-renewal effective date. See our guide on a Tennessee non-renewal or call (615) 378-7187.

Three options: call (615) 378-7187, email service@birdiesinsurance.com, or request a quote online at https://birdiesinsurance.com/quote. Quotes are free, take about 10 minutes for auto and 15 minutes for home, and there's no obligation. Birdies Insurance is paid by the carrier when a policy is written — never by the customer.