Question 1

What are the benefits of using an independent insurance agency like 615 Insurance?

Accepted Answer

As an independent agency, 615 Insurance represents multiple insurance carriers, not just one. This means we can shop the market on your behalf to find the best combination of coverage and price for your specific situation, unlike captive agents who are limited to a single company's products.

Question 2

What is the minimum auto insurance required in Tennessee?

Accepted Answer

Tennessee law requires all drivers to carry minimum liability coverage of 25/50/15: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. However, state minimums often aren't enough to fully protect you financially. We recommend reviewing your coverage with a local agent to ensure you're adequately protected on Middle Tennessee roads.

Question 3

Does homeowners insurance cover tornado or storm damage in Tennessee?

Accepted Answer

Standard homeowners insurance policies typically do cover wind and tornado damage in Tennessee, including damage to your roof, siding, and personal property. However, flood damage caused by storms is NOT covered under a standard policy — that requires a separate flood insurance policy. Given Tennessee's storm history, we strongly recommend reviewing both coverages.

Question 4

Is flood insurance required in Middle Tennessee?

Accepted Answer

Flood insurance is required by lenders if your home is in a FEMA-designated high-risk flood zone (Zone A or AE). However, because over 25% of flood claims come from moderate-to-low risk zones, we recommend flood coverage for most Middle Tennessee homeowners regardless of zone designation. You can check your property's flood zone at msc.fema.gov or contact us and we'll check it for you.

Question 5

How can I bundle home and auto insurance in Murfreesboro to save money?

Accepted Answer

Bundling your home and auto insurance with the same carrier typically saves between 10% and 25% on your total premiums. As an independent agency, we compare bundle pricing across multiple carriers to find the one that gives you the best combined rate in Murfreesboro and Middle Tennessee. Many clients save $200 or more per year just by switching to a bundled policy.

Question 6

How does my credit score affect my insurance rate in Tennessee?

Accepted Answer

In Tennessee, insurance companies use your credit history to generate an 'insurance score' that helps them predict claim likelihood. Drivers and homeowners with lower credit scores can pay 20–50% more for the same coverage than those with excellent credit. If your credit score has recently improved, it may be worth re-shopping your policy to lock in better rates.

Question 7

Do you offer multi-policy bundling discounts?

Accepted Answer

Yes. We offer multi-policy bundling discounts for clients who combine home and auto insurance. This not only simplifies your coverage under one agency but can also lead to significant savings on both policies.

Question 8

How easy is it to switch insurance carriers through 615 Insurance?

Accepted Answer

Very easy. We handle the entire transition process for you, including coordinating your new policy start date with your existing policy's cancellation to ensure there are no gaps in coverage. Most clients are switched and set up within one to two business days.

Question 9

What areas does 615 Insurance Agency serve?

Accepted Answer

615 Insurance Agency is based in Murfreesboro, TN and proudly serves all of Middle Tennessee including Smyrna, Nolensville, Franklin, Brentwood, and Mount Juliet. We are licensed in both Tennessee and Kentucky.

Question 10

What information do I need to get an insurance quote?

Accepted Answer

For an auto quote, we typically need your driver's license number, vehicle VIN or year/make/model, current coverage details, and driving history. For a home quote, we need your property address, year built, square footage, and current coverage. The more detail you can provide, the more accurate your quote will be. You can start online or call us directly at (615) 809-1225.

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Flood Insurance in Tennessee: Do You Really Need It and Are You in a High-Risk Zone?

Life Insurance Myths That Could Cost You

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