Independent Insurance Agent in Franklin, Tennessee

Birdies Insurance is an independent insurance agent based in Franklin, Tennessee, that shops 15+ top-rated carriers for homeowners, auto, and business coverage. As an independent agency we represent the customer — not one carrier — so we can match you to the carrier that 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 (like a State Farm, Allstate, or Farmers office) can only sell you that one company's policies. An independent agent like Birdies Insurance can shop 15+ carriers in one quote, then place you with whichever one wins on price and coverage for your specific home or vehicles. In Tennessee, where homeowners premiums rose 20–40% in 2024–2026 and carriers tightened their guidelines, having someone shop the market on your behalf is more valuable than ever.

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 coverage needs. They're often not the cheapest for homeowners insurance, bundled home + auto, teen drivers, SR-22 filings, high-mileage drivers, or anyone who has 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.

All of those are also independent agencies, so structurally we shop carriers the same way. The practical differences with Birdies Insurance are local ownership in Franklin (not a franchise), direct access to the agent who quotes you (not a 1-800 call center), and a specialty focus on Tennessee homeowners and drivers — including the carriers actively writing TN homes in 2026 that many agencies don't have access to. We also hold a national specialty in golf course and individual golfer coverage that few generalist agencies handle.

Birdies Insurance shops 15+ top-rated carriers for Tennessee homeowners, including standard-market carriers still actively writing TN homes, surplus-lines carriers for older homes or non-standard risks, and specialty carriers for high-value homes and rental properties. Specific carriers vary by ZIP, home age, roof condition, and claims history. Call (615) 378-7187 or request a quote and we'll tell you which carriers are competitive for your address.

Yes — this is one of the most common reasons people come to Birdies Insurance. We work with carriers actively writing Tennessee homeowners insurance for non-renewed customers, including surplus-lines markets for older roofs, claims history, or harder-to-place homes. The earlier you reach out the more options we have, because some carriers won't accept a binding date inside 30 days of a non-renewal effective date. Call (615) 378-7187.

Yes. Because Birdies Insurance is independent, we can shop bundle discounts across 15+ carriers in a single quote and recommend whichever bundle actually wins on combined premium. Captive agents and direct carriers can only show you their own bundle. The bundle that's cheapest is rarely the same carrier from one TN ZIP to another, which is why an independent agent has a structural advantage on bundles.

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.