5 min read
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6 min read
Switched Home Insurance? How to Make Sure Your Mortgage Gets the Cancellation Letter
CJ Hutsenpiller: Nov 4, 2026
Switching home insurance carriers can be one of the smartest money moves you make. Maybe you found a better price,...
7 min read
The New HOA Board Member's Guide to Insurance in Tennessee
CJ Hutsenpiller: Oct 29, 2026
What insurance does an HOA need? Most Tennessee HOAs need five core coverages: property insurance on common areas,...
3 min read
Tennessee HOA Fidelity Bond Law: What Boards Must Do by January 1
CJ Hutsenpiller: Oct 27, 2026
Does a Tennessee HOA need a fidelity bond? Yes. Under Public Chapter 731 (SB 2326 / HB 2338), every Tennessee...
3 min read
How Much Does Hot Shot Trucking Insurance Cost?
Caetie Page: Oct 24, 2026
Short answer: hot shot trucking insurance often runs several thousand dollars or more per year, and new authorities...
3 min read
Why Is Hot Shot Trucking Insurance So Expensive for New Authorities?
Caetie Page: Oct 21, 2026
Short answer: new hot shot authorities pay more because carriers have no track record to price. Lack of experience,...
3 min read
What Insurance Do I Need to Start a Hot Shot Trucking Business?
Caetie Page: Oct 20, 2026
What Insurance Do I Need to Start a Hot Shot Trucking Business? Short answer: to start a hot shot trucking business you...
3 min read
Can I Use My Personal Auto Policy for Hot Shot Trucking?
Caetie Page: Oct 20, 2026
Can I Use My Personal Auto Policy for Hot Shot Trucking? Short answer: no, a personal auto policy almost always...
3 min read
What Is Hot Shot Trucking? How It Works and What You Need to Get Started
Caetie Page: Oct 19, 2026
What Is Hot Shot Trucking? Everything You Need to Know Before You Hit the Road Short answer: hot shot trucking means...
5 min read
Buying a Tennessee Rental From Out of State? Here's the Insurance You Need
Ashley Callaway: Sep 9, 2026
Short answer: if you buy a Tennessee rental from out of state, you need a landlord policy or short-term rental policy,...
4 min read
Every Insurance Discount You Might Be Missing (A Tennessee Guide to Paying Less)
CJ Hutsenpiller: Aug 26, 2026
Short answer: the discounts Tennessee drivers and homeowners miss most often are bundling, good student, safe driver...
4 min read
Do I Need Gap Insurance? A Tennessee Driver's Guide
CJ Hutsenpiller: Aug 19, 2026
Short answer: gap insurance pays the difference between what you owe on your car loan and what your insurer pays if the...
5 min read
Do I Need Umbrella Insurance? A Tennessee Guide to What It Covers and Why It Matters
CJ Hutsenpiller: Aug 17, 2026
Short answer: umbrella insurance adds extra liability coverage on top of your home and auto policies, usually $1...
6 min read
Replacement Cost vs. Actual Cash Value: What Your Homeowners Policy Actually Pays
CJ Hutsenpiller: Aug 14, 2026
Short answer: replacement cost pays what it costs to replace your home or belongings with new, at today's prices....
4 min read
What Do My Car Insurance Limits Mean?
CJ Hutsenpiller: Aug 12, 2026
Short answer: your car insurance limits like 25/50/25 mean $25,000 of injury coverage per person, $50,000 per accident,...
4 min read
Does Homeowners Insurance Cover Water Damage? A Tennessee Homeowner's Guide
CJ Hutsenpiller: Aug 12, 2026
Short answer: Tennessee homeowners insurance usually covers sudden water damage, like a burst pipe or failed water...
4 min read
Uninsured and Underinsured Motorist Coverage: What Every Tennessee Driver Should Know
CJ Hutsenpiller: Aug 10, 2026
Short answer: uninsured and underinsured motorist coverage pays for your injuries and damage when the at-fault driver...
4 min read
Comprehensive vs. Collision: Which Do You Need? A Tennessee Driver's Guide
CJ Hutsenpiller: Aug 7, 2026
Short answer: collision pays for damage when your car hits something, and comprehensive pays for theft, hail, fire,...
5 min read
What Insurance Do I Need for a Moving Company? A Tennessee Owner's Guide
CJ Hutsenpiller: Jul 31, 2026
Short answer: a Tennessee moving company needs commercial auto for the trucks, motor truck cargo for customers'...
7 min read
What Insurance Do I Need as a Property Investor? A Tennessee Owner's Guide
CJ Hutsenpiller: Jul 31, 2026
Short answer: a Tennessee property investor needs the right policy on each property, a landlord policy for long-term...
5 min read
What Insurance Do I Need for a Home Baking Business? A Tennessee Guide
CJ Hutsenpiller: Jul 29, 2026
Short answer: Tennessee's Food Freedom Act lets you sell baked goods from home without a license, but it does not...
5 min read
What Insurance Do I Need for a Daycare? A Tennessee Owner's Guide
CJ Hutsenpiller: Jul 27, 2026
Short answer: a Tennessee daycare needs general liability, abuse and molestation coverage, professional liability,...
5 min read
What Insurance Do I Need for a Hair Salon? A Tennessee Guide
CJ Hutsenpiller: Jul 24, 2026
Whether you're opening your own salon, taking over a barbershop, or renting a single chair, the beauty business runs on...
5 min read
What Insurance Do I Need for a Restaurant? A Tennessee Owner's Guide
CJ Hutsenpiller: Jul 23, 2026
Short answer: a Tennessee restaurant needs a business owners policy, workers comp once you have staff, liquor liability...
5 min read
What Insurance Do I Need for a Coffee Shop? A Tennessee Owner's Guide
CJ Hutsenpiller: Jul 22, 2026
Short answer: a Tennessee coffee shop needs a business owners policy for liability and property, equipment breakdown...
5 min read
What Insurance Do I Need for a Pet Sitting Business? A Tennessee Guide
CJ Hutsenpiller: Jul 17, 2026
Short answer: a Tennessee pet sitting business needs general liability, animal bailee coverage for pets in your care,...
5 min read
What Insurance Do I Need for a Photography Business? A Tennessee Guide
CJ Hutsenpiller: Jul 16, 2026
Short answer: a Tennessee photography business needs equipment coverage for your cameras and lenses, general liability...
5 min read
What Insurance Do I Need to Be a Personal Trainer? A Tennessee Guide
CJ Hutsenpiller: Jul 15, 2026
Short answer: a personal trainer in Tennessee needs general liability for slips and property damage and professional...
6 min read
What Insurance Do I Need for a Contractor Business? A Tennessee Owner's Guide
CJ Hutsenpiller: Jul 14, 2026
Short answer: a Tennessee contractor typically needs general liability, workers comp, commercial auto, tools and...
5 min read
What Insurance Do I Need for an Airbnb? A Tennessee Host's Guide
CJ Hutsenpiller: Jun 29, 2026
Short answer: a standard homeowners policy usually does not cover Airbnb guests or short-term rental damage. Tennessee...
6 min read
What Insurance Do I Need for a Handyman Business? A Tennessee Owner's Guide
CJ Hutsenpiller: Jun 26, 2026
Short answer: a Tennessee handyman needs general liability, tools and equipment coverage, and commercial auto if your...
5 min read
What Insurance Do I Need for a Cleaning Business? A Tennessee Owner's Guide
Caetie Page: Jun 25, 2026
Short answer: a Tennessee cleaning business needs general liability for property damage and injuries, a janitorial bond...
5 min read
What Insurance Do I Need for a Landscaping Business? A Tennessee Owner's Guide
CJ Hutsenpiller: Jun 22, 2026
Short answer: a Tennessee landscaping business needs general liability, commercial auto for the trucks and trailers,...
5 min read
What Insurance Do I Need for a Food Truck? A Tennessee Owner's Guide
CJ Hutsenpiller: Jun 19, 2026
Short answer: a Tennessee food truck needs commercial auto for the truck, general liability for customers, coverage for...
5 min read
Cheap Insurance vs. Good Insurance: What's the Actual Difference?
CJ Hutsenpiller: Jun 17, 2026
Short answer: cheap insurance saves money until you have a claim, while good insurance has the limits, deductibles, and...
5 min read
What Insurance Do I Need for DoorDash? A Tennessee Driver's Guide
Jessica Davidson: Jun 12, 2026
If you deliver for DoorDash, or you're thinking about signing up, you've probably wondered: what insurance do I need...
4 min read
The Top 5 Coverages Every TN Small Business Should Have. Do You?
Caetie Page: Jun 10, 2026
Short answer: most Tennessee small businesses should carry general liability, commercial property, commercial auto if...
6 min read
I Got Into a Car Accident... Now What?
Eric Henry: Jun 5, 2026
Short answer: after a car accident, make sure everyone is safe, call the police, exchange information, and take photos....
3 min read
Your Insurance, All in One Place, Meet Your New Client Portal
CJ Hutsenpiller: Jun 3, 2026
Short answer: our client portal puts your insurance in one place. You can view your policies, download ID cards and...
7 min read
Can You Switch Insurance Before Your Renewal Date?
Megan Brothers, Jessica Davidson: Jun 1, 2026
Short answer: yes, you can switch insurance before your renewal date. Most auto and home policies can be canceled...
6 min read
Is My Adult Child Still Covered on My Auto Insurance?
CJ Hutsenpiller: May 29, 2026
Short answer: your adult child can usually stay on your auto policy if they live with you or are away at school but...
6 min read
File a Home Insurance Claim or Pay Out of Pocket?
Megan Brothers: May 27, 2026
Short answer: pay out of pocket when the damage is close to your deductible or a small one-time repair. File a claim...
7 min read
Is It Always Best to Bundle Your Home and Auto Insurance?
Caetie Page: May 26, 2026
Short answer: bundling home and auto often saves money, but not always. If one carrier is great on home but expensive...
7 min read
Commercial Trucking Insurance Guide for Tennessee
Ashley Callaway: May 22, 2026
Short answer: most Tennessee truckers need primary auto liability, motor truck cargo, physical damage, and general...
10 min read
Adding a Teen Driver in TN: What It Actually Costs and How to Save
CJ Hutsenpiller: May 21, 2026
Short answer: adding a teen driver in Tennessee often raises a family's auto premium by a large amount, but how much...
5 min read
Pontoon Boat Insurance in Tennessee: Coverage for Lake Days with the Family
CJ Hutsenpiller: May 21, 2026
Pontoon Boat Insurance in Tennessee: Coverage for Lake Days with the Family Short answer: a pontoon boat needs its own...
4 min read
Boat Insurance in Tennessee: Protecting Your Vessel on the Lake
CJ Hutsenpiller: May 20, 2026
Short answer: most homeowners policies give little or no coverage for boats on Tennessee lakes. A separate boat policy...
4 min read
ATV Insurance in Tennessee: Off-Road Coverage That Goes Where You Do
CJ Hutsenpiller: May 12, 2026
ATV Insurance in Tennessee: Off-Road Coverage That Goes Where You Do Short answer: in Tennessee your homeowners and...
4 min read
Flood Insurance in Tennessee: Does Your Homeowners Policy Cover It?
CJ Hutsenpiller: May 11, 2026
Flood Insurance in Tennessee: Does Your Homeowners Policy Cover It? Short answer: no, your Tennessee homeowners policy...
4 min read
Best Life Insurance Companies in Tennessee: How to Choose the Right One
CJ Hutsenpiller: May 7, 2026
Best Life Insurance Companies in Tennessee: How to Choose the Right One Short answer: the best life insurance company...
4 min read
Car Insurance in Nashville, TN: What Local Drivers Need to Know
CJ Hutsenpiller: May 4, 2026
Car Insurance in Nashville, TN: What Local Drivers Need to Know Short answer: Nashville drivers must carry at least...
4 min read
Homeowners Insurance in Mt. Juliet, TN: A Local's Guide to Coverage
CJ Hutsenpiller: Apr 17, 2026
Homeowners Insurance in Mt. Juliet, TN: A Local's Guide to Coverage Short answer: most Mt. Juliet homeowners need a...
5 min read
What Is Mechanical Breakdown Coverage and What Homeowners Need It?
CJ Hutsenpiller: Mar 24, 2026
Your furnace quits on the coldest night of the year. Your air conditioner dies in mid-July. Your water heater gives out...
10 min read
Homeowners Insurance in Wilson County, TN (2026 Rates)
CJ Hutsenpiller: Mar 12, 2026
Wilson County is one of the fastest-growing areas in all of Tennessee. Mt. Juliet's population has tripled over the...
12 min read
Car Insurance in your 20s: What Changes & How to Save as young drivers
CJ Hutsenpiller: Feb 25, 2026
So, you’re getting your own car insurance for the first time. Maybe you’ve even Googled “best insurance for 25 year...
4 min read
Best Home Insurance in Tennessee: A Homeowner’s Coverage Guide
CJ Hutsenpiller: Feb 18, 2026
Short answer: the best home insurance in Tennessee is the policy with strong coverage where it counts: replacement cost...
3 min read
What to Do After a Water Loss: A Step-by-Step Insurance Guide
CJ Hutsenpiller: Jan 22, 2026
A water loss can happen fast. A burst pipe, leaking appliance, roof leak, or storm-related water intrusion can quickly...
4 min read
The Deductible Strategy Most Homeowners Don’t Know About
CJ Hutsenpiller: Jan 20, 2026
If your home insurance premium has gone up over the past few years, you’re not imagining it. One of the biggest drivers...
3 min read
High Wind & Hail Deductibles: How Tennessee Homeowners Can Lower Their Risk and Save Money
CJ Hutsenpiller: Dec 15, 2025
The Rising “Storm Tax” on Your Roof Short answer: a wind and hail deductible is a separate deductible, often 1% to 5%...
7 min read
Tennessee Day Care Insurance: Sexual Abuse & Molestation Coverage
CJ Hutsenpiller: Dec 12, 2025
Short answer: Tennessee child care centers are required to carry sexual abuse and molestation liability coverage, and...
7 min read
Saving Nashville Over $1,000,000 on Insurance
CJ Hutsenpiller: Dec 10, 2025
Short answer: our 2026 goal is to save new clients in the Nashville area more than $1,000,000 combined on home, auto,...
19 min read
What Type of Life Insurance Do I Need?
CJ Hutsenpiller: Sep 5, 2025
What Type of Life Insurance Do I Need for My Family in Tennessee? Short answer: most young families in Tennessee are...
14 min read
Escrow Accounts & Midterm Insurance Changes — A TN Homeowner's Guide
CJ Hutsenpiller: Aug 5, 2025
Short answer: if your mortgage has an escrow account, your lender pays your home insurance from it. When you change...
14 min read
The TikTok Insurance Lie About Agent Commissions — Here's the Truth
CJ Hutsenpiller: Jul 29, 2025
Short answer: no, insurance agents do not pocket most of your premium. The viral claim is false. Agents usually earn a...
7 min read
Top 5 Hacks for Affordable Barndominium Insurance in Tennessee
CJ Hutsenpiller: Jul 17, 2025
Short answer: you can lower barndominium insurance costs by choosing a higher deductible, adding a monitored security...
6 min read
Top 5 Mistakes Tennessee Barndo Owners Make (and how to avoid them)
CJ Hutsenpiller: Jul 16, 2025
Top 5 Mistakes Tennessee Barndominium Owners Make (and How to Avoid Them) Short answer: the biggest barndominium...
8 min read
Insuring Your Barndominium in Tennessee with Hutsenpiller Insurance
CJ Hutsenpiller: Jul 7, 2025
Short answer: a barndominium can be insured on a homeowners policy, but you need a carrier that understands metal...
13 min read
SR-22 Insurance in TN: What It Costs & How to Get It
CJ Hutsenpiller: Jun 24, 2025
Short answer: an SR-22 is a form your insurer files with Tennessee to prove you carry the required liability coverage....
15 min read
Divorce & Insurance: What Happens to Your Home, Auto & Life Policies
Jordan Kilgore: May 24, 2025
Short answer: during a divorce you will need to update who is insured on your home and auto policies, who owns and pays...
8 min read
Why Higher Auto Insurance Limits Won’t Break the Bank for Tennessee Drivers
Tanner Sandel: May 23, 2025
Short answer: raising your auto liability limits above the Tennessee minimum usually costs far less than people expect,...
17 min read
Insuring Your Wedding and Engagement Rings in Tennessee: The Ultimate Guide
CJ Hutsenpiller: May 19, 2025
Insuring Your Engagement Rings: The Ultimate Guide Short answer: the best way to insure an engagement ring in Tennessee...
13 min read
Understanding Credit-Based Insurance Scores
CJ Hutsenpiller: Apr 22, 2025
Short answer: yes, Tennessee insurers can use a credit-based insurance score to help set your auto and home rates. It...
13 min read
A First Time Homebuyer's Guide to Homeowner's Insurance
CJ Hutsenpiller: Apr 17, 2025
Short answer: a homeowners policy covers your house, other structures, belongings, liability, and extra living costs...
2 min read
E&O Insurance for Small Business in Tennessee
CJ Hutsenpiller: Apr 16, 2025
Short answer: errors and omissions insurance pays your defense and settlements when a client says your advice, service,...
4 min read
What to expect after an auto insurance claim.
CJ Hutsenpiller: Apr 12, 2025
Short answer: after an auto claim you will report the loss, talk with an adjuster, get an estimate, and choose a repair...
3 min read
Workers’ Comp Claims Process: A Guide for TN Construction Business'
CJ Hutsenpiller: Mar 12, 2025
Short answer: when a worker gets hurt on a Tennessee job site, get them care first, report the injury to your workers...
4 min read
How TN Parents Can Save on Auto Insurance for Their Teenage Drivers
CJ Hutsenpiller: Mar 9, 2025
Short answer: adding a teen driver often raises your premium a lot, but Tennessee parents can soften it. Ask about good...
3 min read
Why You Should Choose an Independent Insurance Agent in Tennessee
CJ Hutsenpiller: Mar 7, 2025
Short answer: an independent agent works for you, not one insurance company. In Tennessee that means we can compare...
3 min read
File a Claim or Pay Out of Pocket? When to Use Your Car Insurance
CJ Hutsenpiller: Mar 7, 2025
Short answer: if the damage is close to your deductible, or it is a small not-at-fault fender bender, paying out of...
3 min read
Does Your Business Need an Umbrella Policy?
CJ Hutsenpiller: Mar 7, 2025
Understanding Commercial Umbrella Insurance If you own a business in Tennessee, you’ve likely heard about commercial...
3 min read
Understanding Roof Coverage in Home Insurance
CJ Hutsenpiller: Mar 5, 2025
Short answer: your roof claim pays out in one of three ways. Replacement cost pays to put on a new roof, actual cash...
2 min read
Who pays for the damage from a fallen tree?
CJ Hutsenpiller: Mar 5, 2025
Short answer: if a tree falls on your house, your own homeowners policy usually pays, even if the tree was your...
2 min read
Does my homeowners insurance cover my tractor?
CJ Hutsenpiller: Mar 5, 2025
Does My Homeowners Insurance Cover My Tractor? Short answer: sometimes. Many homeowners policies give limited coverage...
4 min read
Full Coverage: The myth of the insurance industry
CJ Hutsenpiller: Mar 5, 2025
Short answer: "full coverage" is not an actual insurance product. It is slang that usually means liability plus...
2 min read
Homeowners Insurance vs. Flood Insurance: Understanding the Difference
CJ Hutsenpiller: Mar 5, 2025
Homeowners Insurance vs. Flood Insurance: Understanding the Difference Short answer: a standard homeowners policy does...
14 min read
Why Did My Insurance Rate Go Up? 7 Reasons (And What to Do About It)
CJ Hutsenpiller: Feb 14, 2025
Insurance Rate Increases Since the COVID-19 Pandemic Short answer: your rate probably went up because of things outside...