THE BENEFITS OF AN INDEPENDENT INSURANCE AGENT

MULTIPLE HOME QUOTES

At Frank E. Neal & Co., Inc., we represent many of the leading home insurance companies operating in Tennessee. Rather than going from agent to agent, looking for the right price, our amazing agents represent several carriers looking for customers just like you! Now, with our online quoting engine, you can get those quotes directly on our website and see just how easy it is.

Traditional agents such as State Farm, Allstate, and Farm Bureau, can only give you one option to choose from! So each year, despite your relationship with the agent, you are at the mercy of your company. If you choose to work with us, an independent agency, we review your coverage and price each year. And should your homeowners insurance rates unfortunately go up, we are proactive in re-quoting your account with our other companies, that way you don’t have to do a thing!

TONS OF HOMEOWNERS OPTIONS

Every homeowner and their home is unique. For that reason, you need an agent with access to a wide variety of options and companies to help make sure your home is getting the coverage it truly needs. Every homeowners insurance company has a different ideal customer. A few such factors include location, age of construction, construction material, size, and value. Because each company varies on all of these factors and many more, you can get tons of options and prices.

Since our agents represent many companies, we have much greater odds of finding you the policy that fits your needs and your budget. Don’t spend hours and days calling every agent in town. Instead, give our super friendly agents a call and let them do all of the work finding you multiple home insurance quotes to choose from!


CHECK OUT ALL THE DISCOUNTS!

Every company has different discounts, talk to one of our agents to find out just how much you can save!

MULTI POLICY

Discounts for each additional policy you place with the same company

HOME BUYER

Discounts on buying that new home you have been saving for

NEW HOME

Discounts for newly built homes

PROTECTIVE DEVICES

Discounts for burglar alarms, fire alarms, dead bolts, fire extinguishers and more!

LOSS FREE

Discounts for being claim free for a period of time

GREEN HOME

Discounts if your home is a LEED certified green home


HOMEOWNERS INSURANCE RATES IN MIDDLE TENNESSEE

Getting the best homeowners insurance rates has never been easier. All it takes is finding the right agency with tons of options at its disposal. Our agents know and understand the differences between the companies we represent and can help you identify the coverages most important to you. So in helping get the absolute best rate possible for that policy, we are here to help you understand the variety of factors that go into determining your homeowners insurance price.

 

HOMEOWNERS INSURANCE RATING FACTORS

Literally hundreds of factors go into determining your homeowners insurance premiums each year. Each carrier identifies their own factors and weight those factors differently in order to try and gain an advantage over the competition. This is why every insurance company has a different rate for every single customer! With so much riding on these variables, why try and do it all yourself, when a knowledgeable and trustworthy agent can help you wade through this with ease? Below are some of the variables that affect your homeowners insurance rate:

Specific to you

  • Age
  • Marriage Status
  • Credit
  • Claim History
  • Pets

Specific to your home

  • Replacement cost of the home
  • Location
  • Distance from fire hydrant
  • Distance from fire station
  • Building construction material
  • Age of home
  • Age of roof
  • Age and type of heating source
  • Do you have a pool or trampoline

General

  • Discounts
  • Protective devices
  • Carrier loss experience
  • National catastrophes

HOW MUCH IS HOMEOWNERS INSURANCE IN TENNESSEE?

Check out some recent policies written in Brentwood, Franklin, Murfreesboro, and Smyrna!