Insurance Center · Tennessee
Tennessee insurance that fits the risk, not a single company’s menu.
Freedom Insurance Group is an independent agency headquartered in Flower Mound, Texas. We compare home, auto, landlord, condo, business, flood, and specialty policies so Tennesseans are not stuck with one rate or one claims process.
Why this page exists
Tennessee is not a one-policy state.
Tornado and severe-storm corridors, flood along rivers and creeks, landlord liability in growing metros, and commercial auto for contractors all change how coverage should be built.
Use the product cards for a quick start, then the coverage directory for every homeowners part, auto endorsement, landlord DP form, and specialty page we publish for Tennessee.
Tennessee products
Coverage we shop for Tennessee clients
Start with the policy that matches the asset. Then open the coverage directory below for every policy part and endorsement page.
Homeowners & flood
Dwelling through Coverage F, riders, wildfire, flood, and condo forms for Tennessee homes.
Auto & commercial auto
Liability through gap and rental reimbursement, plus commercial auto and truck.
Landlord & condo
Landlord policies and DP-1 / DP-2 / DP-3 forms, plus HO-6 condo coverage.
Specialty & business
Motorcycle, RV, boat, PWC, umbrella, and small business.
Coverage directory
All Tennessee coverage pages
Every coverage page we maintain for this state — including the policy parts people ask about most.
Home, flood, condo & landlord
Auto, specialty & business
Independent by design
What changes when you are not captive to one carrier
- We compare multiple carriers instead of defending one underwriting appetite.
- Severe weather and territory rating move files between preferred and non-standard markets overnight.
- Hard-to-place homes, landlords, and drivers still have options when the first market says no.
- Claims support stays with the agency after the binder goes out.
Claims and policy management
After a loss, call with the policy number, date of loss, and photos. We help open the claim and review the estimate against the coverage you actually bought.
Ready to compare Tennessee rates?
Quotes are free and do not require you to bind.
FAQ
Tennessee insurance questions we hear first
Is auto insurance required in Tennessee?
Yes. Tennessee requires proof of financial responsibility. The common way to meet it is liability auto insurance at 25/50/15.
Where are all the coverage pages?
In the coverage directory on this page — homeowners parts, landlord DP forms, auto coverages, commercial truck, PWC, and more.
Do you only serve Texas?
No. The office is in Flower Mound, but we quote Tennessee statewide. Call or email the desk to start a quote.
