Feeling frustrated your homeowners insurance keeps going higher?
Are you ready to take control of how much you're paying — and make sure you're actually covered? Answer 15 questions to find out where you stand.
Ready to take control of your home insurance?
15 quick questions. About 3 minutes. We'll measure three things — what you're paying, what you're getting, and what you're missing.
- Personalized score across 3 categories
- Top issues we found in your current setup
- Estimated annual savings or risk exposure
Free. No obligation. Email required to deliver your report.
Licensed in Tennessee • 15+ carriers shopped • Independent — we shop, you save • Locally owned, south of Nashville
This assessment will help you measure and improve three things.
In plain English. No insurance-speak. No pressure to buy anything.
What You're Paying
Is your premium fair for your home and ZIP? Are renewals climbing year over year? When was the last time anyone actually shopped your rate?
What You're Getting
Replacement cost vs. cash value. Dwelling amount vs. real rebuild cost. Liability limits, personal property, and how your roof is actually covered.
What You're Missing
Water/sewer backup, wind/hail deductible strategy, umbrella, scheduled valuables, and whether anyone is actively reviewing your policy.
The TN home market got harder. Your policy might not have kept up.
Tennessee homeowners premiums rose 20–40% across most carriers in 2024–2026. At the same time, carriers tightened coverage in ways most homeowners never hear about — older roofs moved to actual cash value, wind/hail deductibles got split out, personal property limits got squeezed.
Some carriers pulled out of TN entirely. Others are quietly non-renewing customers based on roof age, ZIP, or claims history.
If your policy hasn't been reviewed in a year or two, there's a real chance you're paying more for less coverage — and you wouldn't know it until you actually need to file a claim.
No call. No quote pressure. No spam. Just the score, what it means, and what you can do about it.
A real local agent, not a 1-800.
We're an independent insurance agency based south of Nashville, licensed across Tennessee. We work for you, not for one carrier. When you ask us for a quote, we shop the TN carriers actually writing competitively — including some that don't advertise.
No 1-800 number. No script. Just a small team that knows Tennessee.
Quick questions
Is this really free?
Yes. The assessment is free, your report is free, even the 15-minute agent review is free. We get paid by the carriers when we write a policy — never by you.
Will I get spammed?
No. One email with your report, and that's it unless you tell us otherwise. We're an insurance agency, not a lead-broker.
My carrier just non-renewed me. Can you help?
Yes — this is exactly where independent agents earn their keep. Birdies Insurance works with carriers still actively writing TN home, including options for non-renewed and high-risk profiles. Take the assessment first so we have something to work with.
What's the deal with wind/hail deductibles in TN?
Many TN policies have a SEPARATE wind/hail deductible — often 1–2% of your dwelling amount — that kicks in for storm-related claims. The assessment will flag if yours is high enough to cost you real money on a routine TN hailstorm.
What if I'm not in Tennessee?
Right now Birdies Insurance is only licensed in Tennessee. The assessment still works if you take it from out of state — we just won't be able to quote you.
Take some of it back.
15 questions. About 3 minutes. The number, what it means, and what to do about it.
Ready to take control of your home insurance?
15 quick questions. About 3 minutes. We'll measure three things — what you're paying, what you're getting, and what you're missing.
- Personalized score across 3 categories
- Top issues we found in your current setup
- Estimated annual savings or risk exposure
Free. No obligation. Email required to deliver your report.
Birdies Insurance is an independent agency licensed in Tennessee (TN License #3003585547). The Tennessee Home Score Report is for informational purposes only and does not constitute a quote or binding offer of coverage. Premiums vary by individual underwriting. Privacy Policy.