In Tennessee, drivers are required to provide proof of financial responsibility in the event of an auto accident, which most people do by purchasing liability automobile insurance.

The minimum auto insurance coverage in Tennessee includes $25,000 per person and $50,000 per accident for bodily injury liability, as well as $25,000 for property damage liability.

In Tennessee, drivers are required to provide proof of financial responsibility in the event of an auto accident, which most people do by purchasing liability insurance.

Our claims representatives will gladly assist with claims when coverage is provided by Tennessee Farmers Insurance Companies. However, if we do not provide coverage and have no right of subrogation, our claims representatives are unable to contact the other company on your behalf. 

It is always best to await instructions from the responding authority, but in cases where there are no injuries and only minor property damage, it may be safer to move your vehicle to the shoulder of the roadway while waiting for the authorities to arrive. 

Tennessee law says if you are involved in a minor traffic accident on a Tennessee interstate or divided highway, you should move your vehicle off the road as soon as possible. 

Signs along urban interstates urge motorists to move their vehicles if they are involved in fender benders. This provision of Tennessee law applies only to accidents that occur on a divided, controlled access or interstate highway. 

Home insurance may cover several key areas:

• Dwelling coverage for your home's structure.

• Personal property coverage for your belongings.

• Liability coverage in case of injuries or damage to others on your property (subject to your contract).

• Increased cost of living expenses when a covered loss makes your home uninhabitable.

• Other structures on your property, like a garage or shed.

The cost of home insurance in Tennessee varies based on factors like your location, the value of your home, and the coverage you choose.

Hazard insurance for a home is a component of your home insurance policy that specifically protects against damages caused by specific hazards, such as fire, lightning, windstorms, and other perils. It is often included in standard home insurance policies.

To determine the amount of renters insurance you need, make a list of your personal property and its value. While basic policies can be similar, no two are exactly the same, and understanding what you’re getting, and what you’re not, is important. Your Farm Bureau Insurance agent can help guide you in determining how much renters coverage you need.

Life insurance provides a safety net for your loved ones after your death. This type of coverage is essential if you have dependents who rely on your income, such as a spouse, children, or aging parents. It can help cover everyday expenses, mortgage or rent payments, education costs, and even outstanding debts or loans.

One of the most common questions people ask when choosing a life insurance plan is, 'How much coverage do I need?' The answer to this question depends on individual circumstances and financial goals. Typically, people opt for coverage that is equal to 5-10 times their annual income. However, it's important to take into account other factors such as outstanding debts, future expenses, and income replacement needs. Your Farm Bureau Insurance agent can help you determine the right amount of coverage to fit your needs.

Employer group life insurance is great as supplemental coverage, but ask yourself this: What happens to my employer coverage when I retire, change jobs, or get laid off? Group coverage is only good when you are part of the group. We have all heard the saying “Don’t put all your eggs in one basket.” Make sure you have planned ahead and bought individual life insurance so no matter what happens, your family will be protected.

Term life insurance is temporary and is purchased for a set length of time, a term. We offer policies lasting one, 10, 20 or 30 years. Term life insurance is a way to get the most amount of coverage for the lowest cost. It has a low initial premium and the cost stays level for a specified period of time. Term insurance is most often used to take care of temporary needs like replacing your lost income or paying off the mortgage. The main drawback to term insurance is that after the specified term, the cost will increase. The good news is that all of our term products can be converted to permanent insurance. Depending on your age, you may not have to complete any medical exams or answer any health questions to convert to a permanent plan.

Whole life insurance is meant to last your whole lifetime, as long as you keep paying the premium, and it increases in cash value as time passes. The amount of the premium stays the same, and policies guarantee a set death benefit. The policies’ cash value accounts can grow each year and are tax deferred. The cash value can even be borrowed against to help with emergencies or when times get tough. Another valuable feature of whole life insurance is the opportunity to receive policy dividends.* Dividends can be used to increase your death benefit, increase your cash value, or even help reduce your premium. We can proudly say that we have paid a dividend every year since the company’s inception. *Not all whole life policies pay dividends and dividends are not guaranteed.

Universal life insurance is a flexible form of insurance that can last your lifetime and can also increase in cash value over time. Flexibility means that you can change different aspects of the policy – the size of the premiums, whether the death benefit increases with time or stays level – which allows you to change your coverage as your needs change. Another important feature of universal life is that it can also build up cash value as your premiums are paid. The cash value account earns interest and is tax deferred. With so many products and coverage options, universal life insurance is easily included in budgets of any size.

The main difference between a business owner policy (BOP) and a commercial package policy (CPP) lies in their target businesses and coverage flexibility. A BOP is a pre-packaged insurance solution ideally suited for small to medium-sized businesses with straightforward insurance needs, combining general liability and property coverage. It's perfect for businesses like retail shops, small offices, or restaurants.

On the other hand, a CPP is designed for larger or more complex businesses requiring a higher degree of customization in their insurance coverage. It accommodates a broader range of risks and is customizable to include various coverages, making it suitable for larger-scale manufacturers, contractors, or businesses with unique insurance needs. While BOP offers ease and convenience for standard risk profiles, CPP provides tailored coverage for more complex and extensive insurance requirements.

A business owner policy is most beneficial for small to medium-sized businesses, particularly those that have a physical presence such as retail stores, restaurants, and service-oriented businesses. Businesses that have significant property assets, require liability protection, and face risks like business interruption can find a BOP especially advantageous. It's a comprehensive solution for businesses seeking a balance of coverage, cost, and convenience.

General liability insurance is a component of a BOP but on its own, it only covers third-party liability claims for bodily injury, property damage, and advertising injury. A BOP, on the other hand, is a more comprehensive package that typically includes general liability insurance, property insurance, and business interruption insurance. This bundled coverage provides broader protection for a business, covering more than just liability risks.

Yes, you can add additional coverages to your BOP to suit your specific business needs. Common additions include professional liability, employment practices liability, and specific property coverages for unique or valuable assets. These additional coverages can be tailored to address the unique risks associated with your particular business industry or operations.

Yes, a BOP can be suitable for some home-based businesses. It depends on the nature of your business operations and the extent of coverage required. Your local Farm Bureau Insurance agent can assist in evaluating your specific situation.