Personal Insurance in Tennessee That Covers All Life’s Risks

Complete Protection for Your Home, Family, and Future

Life in Tennessee comes with everyday risks—from severe storms to car accidents and unexpected liability claims. Many people feel uncertain about what coverage they really need, or worry about hidden gaps that could lead to costly out-of-pocket expenses. At The Bill Yon Agency, we make personal insurance simple and thorough—helping you choose the right protection for your family, property, and budget. Whether you live in Hendersonville, Nashville, or anywhere in the state, our independent agency bundles policies, shops top carriers, and reviews every detail so you can feel secure every day.

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Our Full Range of Personal Insurance Options

Auto Insurance

Protects you, your passengers, and your wallet in case of accidents, theft, or damage. Tennessee law requires minimum liability, but we help you choose options that truly fit your lifestyle and risks.

Home Insurance

Covers your home and belongings against fire, storms, theft, and liability. Most mortgage lenders require this coverage, and we customize policies for Sumner County's risks.

Renters Insurance

Provides affordable protection for your personal property and liability if you rent your home or apartment.

Condo Insurance

Designed for condo owners, filling coverage gaps that association policies may not include.

Mobile/Manufactured Home Insurance

Protects your investment against weather, fire, and liability risks unique to manufactured homes in Tennessee.

Flood Insurance

Flood damage isn’t covered by standard home policies—this optional policy is essential for at-risk areas, including parts of Nashville and Sumner County.

Umbrella Insurance

Adds extra liability coverage over your home and auto limits—ideal for protecting your savings if the unexpected happens.

Motorcycle & ATV Insurance

Custom policies for bikes, ATVs, and off-road vehicles—meeting state laws and covering your adventures.

Boat & Watercraft Insurance

From pontoons on Old Hickory Lake to fishing boats, we help you get the right protection for every craft.

RV Insurance

Covers your motorhome or camper whether you’re touring Tennessee or staying local.

Collector Car Insurance

Protects classic and high-value vehicles with agreed value and special coverages.

Valuable Items Coverage

Extra protection for jewelry, collectibles, fine art, and more—over and above standard policy limits.

SR-22 & High-Risk Driver Coverage

Specialized support for drivers needing SR-22 filings or coverage after major violations.

What to Expect From Your Personal Insurance Plan

Insurance should give you peace of mind, not headaches. Our process is designed to make sure you understand your options, save money by bundling, and avoid gaps that could leave you exposed.


Checklist:

  • Quick, no-obligation quote and risk review
  • Coverage tailored to Tennessee’s unique weather and liability risks
  • Multi-policy discounts when you bundle home, auto, and more
  • Annual policy check-ins to adjust as life changes
  • Support from a single, local team for all your personal insurance needs
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Common Questions About Personal Insurance in Tennessee

  • How can I save money on personal insurance?

    Bundling your home and auto policies can save up to 20%—plus we shop multiple carriers for discounts.

  • What does a homeowners policy not cover?

    Standard policies typically exclude flood damage, earthquake, and some types of personal property. We’ll walk you through what you need.

  • Is auto insurance required in Tennessee?

    Yes, state law requires minimum liability coverage, but we recommend higher limits for better protection.

  • Do I need umbrella insurance?

    If you want extra liability protection beyond your home and auto, umbrella coverage offers affordable peace of mind.

  • How do I get started?

    Request a quote online, call our Hendersonville office, or visit us for a personal insurance review.

Let's Talk

One Agency, All Your Insurance—Protect Every Part of Life

The Bill Yon Agency helps Tennessee families, homeowners, and drivers simplify insurance, maximize savings, and get reliable protection all in one place. Let us guide you to a complete solution—so you never have to wonder if you’re fully covered.