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Personal Insurance

Personal insurance built for Tennessee families.

Auto, home, motorcycle, boat, umbrella, flood, classic-car — every personal coverage you'd expect from a Main Street agency, plus high-net-worth options when life calls for it. We shop 35+ carriers, talk through what fits your situation, and stay with you when it's time to use the policy.

144 years on Main Street35+ carriers shoppedReal local advisors, not a 1-800 number

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Carriers we represent

35+ companies, one local team.

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Auto Insurance Home Insurance Condo Insurance Renters Insurance Motorcycle Insurance Boat & Watercraft Insurance RV & Motorhome Insurance Umbrella Insurance SR-22 Filings Classic & Collector Car Insurance Flood Insurance Earthquake Insurance Mobile / Manufactured Home Insurance Off-Road Vehicle Insurance High-Net-Worth Insurance Rental Property Insurance

Auto Insurance

Tennessee requires liability minimums of $25,000/$50,000/$25,000 — but those minimums won't go far in a real accident on I-65 or I-40. We help you build an auto policy that actually protects your savings, with the right liability limits, comprehensive and collision coverage you'll actually be glad you carried, and the optional add-ons (rental reimbursement, roadside, gap, accident forgiveness) that make a difference when something happens.

Liability, collision, and comprehensive coverage
Uninsured/underinsured motorist (huge in TN — ~22% of drivers are uninsured)
Medical payments + PIP for passengers
Rental reimbursement, roadside, gap insurance
Multi-car, multi-policy, and good-driver discounts
SR-22 filings and high-risk placement

Tennessee's at-fault system means a serious accident can put your assets at risk if your liability limits are too low. Most Holt clients carry 100/300/100 or higher, often paired with an umbrella policy for full protection. We'll quote multiple carriers — Travelers, Progressive, Nationwide, Auto-Owners, Safeco, MetLife, AAA, Foremost, and more — to find the right fit on price and service.

Get a Auto quote Talk to a Holt advisor

Home Insurance

A standard Tennessee home policy covers fire, wind, theft, and liability — but the details matter. Replacement cost vs. actual cash value on the dwelling and personal property, sublimits on jewelry and electronics, water-backup coverage, ordinance-or-law for older Sumner County homes, and whether you have enough coverage on the structure to actually rebuild at today's lumber and labor prices.

Dwelling rebuild coverage at modern construction costs
Personal property protection (replacement cost preferred)
Liability and medical payments to others
Loss of use / additional living expenses
Optional: water backup, equipment breakdown, service line
Higher sublimits for jewelry, firearms, fine art

Standard home policies don't cover flood (separate NFIP or private policy required) and don't fully cover earthquake, even though East Tennessee sits near the New Madrid Seismic Zone. We walk through which add-ons make sense for your specific home, ZIP code, and situation.

Get a Home quote Talk to a Holt advisor

Condo Insurance

Condo insurance (HO-6) covers what your HOA's master policy doesn't — typically the interior walls inward, your personal property, your liability, and assessment exposure if the HOA's master policy falls short on a major claim. We help you read the HOA bylaws, figure out exactly where your coverage needs to start, and place a policy that actually matches.

Interior dwelling / 'walls-in' coverage
Personal property at replacement cost
Personal liability + medical payments
Loss assessment coverage (vital — varies wildly)
Loss of use if your unit becomes uninhabitable

Get a Condo quote Talk to a Holt advisor

Renters Insurance

If you're renting in Gallatin, Hendersonville, or anywhere in Middle TN, renters insurance is one of the cheapest financial moves you can make. For around $12-25/month you get personal property coverage, personal liability if someone's hurt at your place, and additional living expenses if your apartment becomes uninhabitable. Many landlords now require it.

Personal property (theft, fire, water damage)
Personal liability ($100K–$500K standard)
Additional living expenses while displaced
Optional: identity theft, scheduled jewelry, pet liability
Bundles cheaply with auto for big multi-policy savings

Get a Renters quote Talk to a Holt advisor

Motorcycle Insurance

Tennessee's a great riding state — Natchez Trace, the Tail of the Dragon, the back roads of Sumner County — and we write coverage for everything from a daily commuter to a touring Harley to a track bike. Bodily injury liability, comprehensive and collision, custom parts and equipment coverage, accessory limits, lay-up policies for winter — we know motorcycle coverage in detail.

Liability + UM/UIM (TN required)
Collision + comprehensive on the bike
Custom parts & equipment (often under-covered)
Roadside assistance + trip interruption
Lay-up / off-season pricing options
Multi-bike and rider-experience discounts

Get a Motorcycle quote Talk to a Holt advisor

Boat & Watercraft Insurance

Old Hickory Lake, Percy Priest, the Cumberland River — boating is part of life around here. Standard homeowners policies give very limited boat coverage (usually small craft only), so a dedicated watercraft policy is the right move for almost any motorized boat or PWC. We cover bass boats, ski boats, pontoons, jet skis, sailboats, and more.

Hull / physical damage coverage
Liability for injuries and property damage
Medical payments + uninsured boater
Trailer coverage (frequently missed)
On-water towing + fuel-spill cleanup
Agreed-value vs. actual-cash-value options

Get a Boat quote Talk to a Holt advisor

RV & Motorhome Insurance

Whether you're towing a travel trailer to the Smokies or living full-time in a Class A, RV insurance is its own animal — your auto policy doesn't cover the contents, the awning, the trailer, or the personal liability when you're parked. We write Class A, B, C motorhomes plus travel trailers, fifth wheels, and toy haulers.

Liability while driving + while parked
Comprehensive and collision on the RV
Personal effects coverage (often $5K–$50K)
Vacation liability / 'home base' coverage
Roadside assistance built for big rigs
Full-timer endorsement if it's your residence

Get a RV quote Talk to a Holt advisor

Umbrella Insurance

An umbrella policy is the single best dollar-for-dollar protection most people overlook. For roughly $200-400/year you get a million dollars of additional liability over your auto, home, and boat policies. If you have teenage drivers, a pool, a dog, rental property, or any meaningful net worth to protect, an umbrella isn't optional — it's the policy you don't realize you needed until you're glad you had it.

$1M–$10M of additional liability above your underlying policies
Covers auto, home, boat, motorcycle, rental property
Defense costs covered IN ADDITION to the limit
Worldwide coverage on most policies
Often required when underlying assets exceed $300K

We'll walk you through a quick liability worksheet — net worth, future earnings exposure, lifestyle factors — and right-size the umbrella. Most TN families land at $1M-$2M; higher-net-worth households often go to $5M-$10M.

Get a Umbrella quote Talk to a Holt advisor

SR-22 Filings

If you've had a DUI, multiple at-fault accidents, or a license suspension, Tennessee may require an SR-22 — a financial-responsibility filing your insurance carrier files with the state to prove you carry the required liability. Holt places SR-22 coverage with carriers that specialize in non-standard auto, gets the filing made quickly, and helps you build the driving record that gets you back to standard rates.

Same-day SR-22 filings with TN Department of Safety
Non-standard carriers that specialize in high-risk drivers
Path back to standard rates after the SR-22 period
Multi-state filings if you've moved or work across state lines

Get a SR-22 quote Talk to a Holt advisor

Classic & Collector Car Insurance

Your '69 Camaro or restored Bronco isn't a daily driver — and it shouldn't be insured like one. Classic car policies use agreed-value coverage (you and the carrier set the value upfront), have flexible mileage limits, allow shop-of-choice repairs, and cover spare parts and tools. We write through Hagerty, Grundy, and other specialists.

Agreed-value coverage (no depreciation arguments)
Flexible mileage tiers (1K, 5K, unlimited)
Shop-of-choice for repairs
Spare parts, tools, and trailer coverage
Show + travel coverage included

Get a Classic quote Talk to a Holt advisor

Flood Insurance

Standard home insurance does not cover flood. Period. Even outside FEMA-designated Special Flood Hazard Areas, ~25% of flood claims come from properties in low or moderate-risk zones — flash floods from heavy storms, sewer backups, and saturated ground all trigger claims a homeowners policy won't pay. We write through both the NFIP and private flood markets to find the right fit and price.

Building coverage up to $250K (NFIP) or higher (private)
Contents coverage up to $100K (NFIP) or higher (private)
Replacement cost on contents (private only)
Loss of use coverage (private only)
30-day waiting period — buy before you need it

Get a Flood quote Talk to a Holt advisor

Earthquake Insurance

East and Middle Tennessee sit near the New Madrid Seismic Zone — the source of the largest earthquakes ever recorded east of the Rockies. Earthquake coverage is excluded from standard home policies and must be added separately. It's relatively inexpensive in low-risk zones and worth the conversation.

Dwelling coverage for seismic events
Personal property coverage
Loss of use during repairs
Higher deductibles (typically 5%–15% of dwelling)

Get a Earthquake quote Talk to a Holt advisor

Mobile / Manufactured Home Insurance

Manufactured home insurance is a different product than standard homeowners — different valuation methods, different wind/hail provisions, and different carriers. We work with specialty carriers that actually understand mobile homes and write fair coverage at competitive rates.

Dwelling coverage for the home itself
Personal property at replacement cost where available
Liability + medical payments
Adjacent structures (decks, sheds, carports)
Loss of use coverage

Get a Mobile quote Talk to a Holt advisor

Off-Road Vehicle Insurance

ATVs, UTVs, and side-by-sides aren't covered under most home or auto policies. A dedicated off-road policy gives you liability while you're riding, comprehensive and collision on the machine, and accessory coverage for the upgrades you've added (lift kits, lights, winches, sound systems).

Liability + medical payments
Comprehensive + collision on the vehicle
Accessory and custom-equipment coverage
Trailer coverage
Multi-machine + safety-course discounts

Get a Off-Road quote Talk to a Holt advisor

High-Net-Worth Insurance

Above a certain net worth, standard personal lines stop fitting. High-net-worth carriers (Chubb, PURE, Cincinnati, AIG Private Client, Berkley One) offer cash-out home coverage, broader scheduled-property coverage for jewelry and art, higher liability limits, and the white-glove claims service that matches the assets at risk. We work with these markets daily.

Cash settlement / extended replacement cost on dwellings
Broad-form scheduled property (jewelry, art, wine, collectibles)
Higher liability + umbrella limits ($10M+)
Domestic staff coverage (employment practices, workers comp)
Personal cyber and identity theft programs
Worldwide coverage on most personal property

Get a High-Net-Worth quote Talk to a Holt advisor

Rental Property Insurance

If you own a rental in Sumner County, Davidson County, or anywhere in Middle TN, you need a landlord (DP-3) policy — not a homeowners policy. Standard home insurance specifically excludes rental use. A landlord policy covers the building, lost rent if it becomes uninhabitable, liability tied to the property, and optional vandalism and theft of building items.

Dwelling coverage on the structure
Loss of rents (typically 12 months)
Premises liability for tenant injuries
Vandalism and malicious mischief options
Bundling discounts on multi-property portfolios

Get a Rental quote Talk to a Holt advisor

Frequently asked

Personal Insurance questions, answered.

How much auto insurance do I really need in Tennessee?

Tennessee minimums (25/50/25) are dangerously low — a single serious accident can blow through them in a hospital ER bill. Most Holt clients carry 100/300/100 or higher, with uninsured-motorist matched to the same limits. If you have meaningful assets, an umbrella policy on top is the right move.

Does my homeowners policy cover flood?

No. Flood is excluded from every standard homeowners policy in the country. You need a separate flood policy through the NFIP or a private flood carrier. Even outside FEMA-designated flood zones, around 25% of flood claims come from low/moderate-risk areas — flash flooding, sewer backups, and saturated ground all trigger claims.

Do I need an umbrella policy?

If you own a home, drive a car with teenage drivers, have a pool, own rental property, have a dog, or have any meaningful net worth, almost certainly yes. Umbrellas are the cheapest dollar-for-dollar liability protection available — typically $200-400/year for a million dollars of coverage above your underlying policies.

Can I bundle home and auto with Holt?

Yes — and we usually find better savings by shopping multiple carriers than by sticking with one company's bundle. As an independent agency we can quote your home and auto across 35+ carriers and tell you exactly where the math works out. Bundling typically saves 10-25% but the right carrier matters more.

What's the difference between actual cash value and replacement cost?

Actual cash value (ACV) pays you the depreciated value of damaged property — so a 10-year-old roof gets a 10-year-old roof's worth. Replacement cost (RC) pays what it actually costs to replace with a new equivalent. RC is almost always worth the small premium difference, especially on dwellings and personal property.

Personal Insurance

Let's talk about your personal insurance.

Get a real conversation with a real local advisor. We'll shop carriers, walk through what fits, and stick around when you need to use the policy.

Request a quote 615-230-7704