4 min read
Every Insurance Discount You Might Be Missing (A Tennessee Guide to Paying Less)
Almost everyone is paying more for insurance than they have to, not because they bought too much coverage, but because...
Madison Tisdale
4 min read
Do I Need Gap Insurance? A Tennessee Driver's Guide
Madison Tisdale: Aug 19, 2026
You drive a new car off the lot, and before you're even home it's worth thousands less than you paid. That's normal,...
4 min read
Do I Need Umbrella Insurance? A Tennessee Guide to What It Covers and Why It Matters
Madison Tisdale: Aug 17, 2026
Most people first hear the words "umbrella policy" from their insurance agent and assume it's an upsell they don't...
4 min read
Replacement Cost vs. Actual Cash Value: What Your Homeowners Policy Actually Pays
Madison Tisdale: Aug 14, 2026
Two homeowners can have a fire, lose the exact same things, and get very different checks from their insurance company....
4 min read
What Do My Car Insurance Limits Mean?
Madison Tisdale: Aug 12, 2026
If you've ever looked at your auto policy and seen three numbers like "25/50/25," you've probably wondered what they...
4 min read
Does Homeowners Insurance Cover Water Damage? A Tennessee Homeowner's Guide
Madison Tisdale: Aug 12, 2026
Water is the sneakiest threat to your home, and the coverage for it is the most misunderstood part of a homeowners...
4 min read
Uninsured and Underinsured Motorist Coverage: What Every Tennessee Driver Should Know
Madison Tisdale: Aug 10, 2026
Here's a number that should stop every Tennessee driver in their tracks: roughly 23% of drivers in Tennessee are...
4 min read
Comprehensive vs. Collision: Which Do You Need? A Tennessee Driver's Guide
Madison Tisdale: Aug 7, 2026
If you've ever looked at your car insurance declarations page and wondered what "comprehensive" and "collision"...
5 min read
What Insurance Do I Need for a Moving Company? A Tennessee Owner's Guide
Madison Tisdale: Jul 31, 2026
A moving company is a business built entirely on being trusted with other people's stuff. Customers hand you everything...
7 min read
What Insurance Do I Need as a Property Investor? A Tennessee Owner's Guide
Madison Tisdale: Jul 31, 2026
Owning one rental property is a purchase. Owning several is a business, and it needs to be insured like one, whether...
5 min read
What Insurance Do I Need for a Home Baking Business? A Tennessee Guide
Madison Tisdale: Jul 29, 2026
Tennessee is one of the best states in the country to start a home baking business, and that's not an exaggeration....
5 min read
What Insurance Do I Need for a Daycare? A Tennessee Owner's Guide
Madison Tisdale: Jul 27, 2026
Running a daycare is one of the most trusted jobs there is. Parents hand you the most precious thing in their lives and...
5 min read
What Insurance Do I Need for a Hair Salon? A Tennessee Guide
Madison Tisdale: 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
Madison Tisdale: Jul 23, 2026
Restaurants are one of the toughest businesses to run and one of the most important to insure correctly. You're...
5 min read
What Insurance Do I Need for a Coffee Shop? A Tennessee Owner's Guide
Madison Tisdale: Jul 22, 2026
Opening a coffee shop is a dream a lot of Tennesseans chase, and it's a real business with real exposure the moment you...
5 min read
What Insurance Do I Need for a Pet Sitting Business? A Tennessee Guide
Madison Tisdale: Jul 17, 2026
Pet sitting and dog walking might be the most joyful business in this whole series, and it comes with a coverage trap...
5 min read
What Insurance Do I Need for a Photography Business? A Tennessee Guide
Madison Tisdale: Jul 16, 2026
A photography business often starts the same way: a camera you love, a few paid shoots, and suddenly a real side...
4 min read
What Insurance Do I Need to Be a Personal Trainer? A Tennessee Guide
Madison Tisdale: Jul 15, 2026
Personal training is one of the easiest businesses to launch and one of the riskiest to run without the right coverage....
6 min read
What Insurance Do I Need for a Contractor Business? A Tennessee Owner's Guide
Madison Tisdale: Jul 14, 2026
If you're stepping up from doing side jobs to running a real construction operation in Tennessee, insurance stops being...
5 min read
What Insurance Do I Need for an Airbnb? A Tennessee Host's Guide
Madison Tisdale: Jun 29, 2026
Short-term rentals are everywhere in Tennessee right now. From cabins near the lake to bungalows a few minutes from...
5 min read
What Insurance Do I Need for a Handyman Business? A Tennessee Owner's Guide
CJ Hutsenpiller: Jun 26, 2026
Handyman work is one of the best small businesses you can start in Middle Tennessee right now. People are buying older...
5 min read
What Insurance Do I Need for a Cleaning Business? A Tennessee Owner's Guide
Caetie Page: Jun 25, 2026
A cleaning business is one of the easiest businesses to start and one of the easiest to underinsure. The barrier to...
5 min read
What Insurance Do I Need for a Landscaping Business? A Tennessee Owner's Guide
Madison Tisdale: Jun 22, 2026
Spring hits Middle Tennessee and suddenly everyone with a mower and a trailer is in business. If that's you this year,...
5 min read
What Insurance Do I Need for a Food Truck? A Tennessee Owner's Guide
CJ Hutsenpiller: Jun 19, 2026
So you're opening a food truck. Maybe it's hot chicken, maybe it's tacos, maybe it's something Nashville hasn't seen...
5 min read
Cheap Insurance vs. Good Insurance: What's the Actual Difference?
Madison Tisdale: Jun 17, 2026
Picture two neighbors in Mt. Juliet. Same street, same trucks, same Tuesday morning fender bender on Lebanon Road....
4 min read
Who Is Actually to Blame for Your Rate Increase?
Tanner Sandel: Jun 15, 2026
You opened your renewal, saw the new number, and thought, who do I get to yell at about this? Fair question. Here is...
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
Running a small business in Tennessee means wearing a lot of hats — and making sure you're properly insured shouldn't...
5 min read
I Got Into a Car Accident... Now What?
Eric Henry: Jun 5, 2026
Getting into a car accident is already stressful. Then the insurance questions start piling up, and if you've never...
3 min read
Your Insurance, All in One Place, Meet Your New Client Portal
CJ Hutsenpiller: Jun 3, 2026
Insurance should be the thing that gives you peace of mind, not the thing that adds to your stress. We've believed that...
6 min read
SR-22 Insurance in Tennessee: What It Is and What to Do Next
Tanner Sandel: Jun 3, 2026
Getting a letter or a court order telling you that you need an SR-22 is not exactly a fun moment. Whether it came after...
6 min read
Can You Switch Insurance Before Your Renewal Date?
Megan Brothers, Jessica Davidson: Jun 1, 2026
It's one of the most common questions we hear. Someone gets a better quote, or their rate jumps at renewal, or they've...
6 min read
Is My Adult Child Still Covered on My Auto Insurance?
Madison Tisdale: May 29, 2026
You spent eighteen years keeping them alive, another four years paying tuition, and at some point you handed them a set...
6 min read
File a Home Insurance Claim or Pay Out of Pocket?
Megan Brothers: May 27, 2026
Something went wrong at your house. Maybe a storm blew a branch through a window. Maybe you walked into the laundry...
6 min read
Is It Always Best to Bundle Your Home and Auto Insurance?
Caetie Page: May 26, 2026
You've probably heard it a hundred times. Bundle your home and auto and save. It's one of the most common pieces of...
7 min read
Commercial Trucking Insurance Guide for Tennessee
Ashley Callaway: May 22, 2026
Trucking is hard work. Long hours, tight schedules, unpredictable weather on I-40, and the constant pressure of keeping...
10 min read
Adding a Teen Driver in TN: What It Actually Costs and How to Save
CJ Hutsenpiller: May 21, 2026
If your teenager just walked out of the Wilson County DMV with a permit in their hand, you are probably feeling two...
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
If you are searching for the BEST home insurance in Tennessee, price alone should not be the deciding factor. The best...
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...
3 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 If you’re a homeowner in Tennessee, there’s a good chance your insurance policy...
6 min read
Tennessee Day Care Insurance: Sexual Abuse & Molestation Coverage
CJ Hutsenpiller: Dec 12, 2025
Operating a child care center in Tennessee comes with many responsibilities, including meeting specific insurance...
7 min read
Saving Nashville Over $1,000,000 on Insurance
CJ Hutsenpiller: Dec 10, 2025
At Hutsenpiller Insurance, we’ve set a bold goal for 2026: save our new customers in the Nashville, TN area over...
7 min read
How to Insure Your Engagement Ring in Tennessee: A Newlywed’s Guide
Madison Tisdale: Oct 27, 2025
Hello there! I’m Madi McNeese Tisdale, an insurance agent at Hutsenpiller Insurance and a newlywed myself. Having just...
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? Are you a young parent in Nashville, Mt. Juliet,...
14 min read
Escrow Accounts & Midterm Insurance Changes — A TN Homeowner's Guide
CJ Hutsenpiller: Aug 5, 2025
Buying a home in Tennessee comes with a lot of new terminology – one of those terms is an escrow account. If you have a...
14 min read
The TikTok Insurance Lie About Agent Commissions — Here's the Truth
CJ Hutsenpiller: Jul 29, 2025
Have you heard the one about insurance agents pocketing 80% of your premium? It sounds like the setup to a bad joke –...
7 min read
Top 5 Hacks for Affordable Barndominium Insurance in Tennessee
CJ Hutsenpiller: Jul 17, 2025
Barndominiums often feature expansive open interiors, like this combined living and kitchen space, which can be...
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) Barndominiums often feature metal...
8 min read
Insuring Your Barndominium in Tennessee with Hutsenpiller Insurance
CJ Hutsenpiller: Jul 7, 2025
Barndominiums – often nicknamed “barndos” – are an exciting home trend in Tennessee, blending rustic barn charm with...
9 min read
SR-22 Insurance in TN: What It Costs & How to Get It
CJ Hutsenpiller: Jun 24, 2025
If you’ve been told you need an SR-22 filing for your auto insurance in Wilson County or the eastern Nashville suburbs...
15 min read
Divorce & Insurance: What Happens to Your Home, Auto & Life Policies
Jordan Kilgore: May 24, 2025
Divorce is already an emotional and complex process, and dealing with insurance during a divorce can easily get...
8 min read
Why Higher Auto Insurance Limits Won’t Break the Bank for Tennessee Drivers
Tanner Sandel: May 23, 2025
Many Tennessee drivers hold a common belief that increasing their auto insurance liability limits will dramatically...
12 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 When you’ve invested in a beautiful engagement ring or wedding band,...
12 min read
Understanding Credit-Based Insurance Scores
CJ Hutsenpiller: Apr 22, 2025
Shopping for insurance in Tennessee can be tricky – especially when you learn that your credit history can influence...
13 min read
A First Time Homebuyer's Guide to Homeowner's Insurance
CJ Hutsenpiller: Apr 17, 2025
As a first-time homebuyer in Tennessee, understanding your home insurance is crucial. Not only do you need to choose...
2 min read
E&O Insurance for Small Business in Tennessee
CJ Hutsenpiller: Apr 16, 2025
As a small business owner in Tennessee, you work hard to serve your clients well. But what happens if one mistake or...
4 min read
What to expect after an auto insurance claim.
CJ Hutsenpiller: Apr 12, 2025
At Hutsenpiller Insurance, we understand that auto accidents are never easy. That's why we're here to walk you through...
7 min read
Actual Cash Value vs. Replacement Cost: What Tennessee Homeowners Need to Know
CJ Hutsenpiller: Mar 26, 2025
Living in Tennessee means facing unpredictable weather—from spring tornadoes and severe thunderstorms to heavy rains...
2 min read
Workers’ Comp Claims Process: A Guide for TN Construction Business'
CJ Hutsenpiller: Mar 12, 2025
For construction business owners in Tennessee, understanding the workers’ compensation claims process is crucial. The...
4 min read
How TN Parents Can Save on Auto Insurance for Their Teenage Drivers
CJ Hutsenpiller: Mar 9, 2025
When your teenager finally gets their driver’s license, it’s a proud moment – but it can also be nerve-wracking and...
2 min read
Why You Should Choose an Independent Insurance Agent in Tennessee
CJ Hutsenpiller: Mar 7, 2025
Choosing insurance is one of the most important decisions you'll make for your family, home, car, or business. It’s not...
3 min read
File a Claim or Pay Out of Pocket? When to Use Your Car Insurance
CJ Hutsenpiller: Mar 7, 2025
Introduction If you’re a Tennessee parent with a teenage driver, navigating car insurance can feel overwhelming. You...
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...
2 min read
Understanding Roof Coverage in Home Insurance
CJ Hutsenpiller: Mar 5, 2025
When it comes to home insurance, understanding how your roof is covered can be confusing. There are three main types of...
2 min read
Who pays for the damage from a fallen tree?
CJ Hutsenpiller: Mar 5, 2025
Picture this: You're enjoying a quiet evening at home when suddenly, you hear a loud crash. Upon investigating, you...
2 min read
Does my homeowners insurance cover my tractor?
CJ Hutsenpiller: Mar 5, 2025
Does My Homeowners Insurance Cover My Tractor? As a tractor owner, you may be wondering if your homeowners insurance...
4 min read
Full Coverage: The myth of the insurance industry
CJ Hutsenpiller: Mar 5, 2025
I'll start by saying I'm probably going to make a few insurance agents mad with this blog post - but that’s fine by me!...
2 min read
Homeowners Insurance vs. Flood Insurance: Understanding the Difference
CJ Hutsenpiller: Mar 5, 2025
Homeowners Insurance vs. Flood Insurance: Understanding the Difference Hello, homeowners! Are you ready to dive into...
12 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 Since 2020, both homeowners and auto insurance premiums have...