Finding trusted and local insurance coverage starts with Hometown Insurance Services, LLC.
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The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
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Hometown Insurance Services, LLC
Learn more about our agency.
We are a family-owned independent insurance agency with one priority—you. We want to help you protect the things that matter most to you, whether that’s your family, your home, or your business. By getting to know you and your unique risks through face-to-face interactions, we can help find the coverage that’s right for you.
As an independent insurance agency, we work as an advocate for your needs. We are backed by some of the nation’s top-rated insurance carriers to bring you the right blend of protection, service, and price. Because we represent multiple insurance companies, you have the power of choice when it comes to your insurance, that way we can help find the coverage you need to bring peace of mind.
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Serving Tennessee and Kentucky
We are proud to serve clients throughout Tennessee and Kentucky. Reach out to us today with your insurance needs to speak with our experienced team.
The Solution To Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what Hometown Insurance Services, LLC does best.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
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As an independent agency, we are here to help you find the right coverage.
Real clients. Real reviews. Real coverage.
“Great group of people to deal with, and they saved me a ton of money on my business insurance. Can’t say enough good things about Hometown Insurance.”
– Tyler B.
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Community Focused
We get involved with our community and support local organizations.
Clients Come First
We go the extra mile to exceed your expectations, no matter what you need.
Experienced Agents
Since 1998, our experienced agents have been bringing you quality coverage.
Interactive Graphic
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Providing for Your Family
Risk Factor
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.
Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.
Mortgage Payments
Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).
Auto Payments
Risk Factor
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
Funeral Costs
Risk Factor
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Risk Factor
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.
Solution
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
Risk Factor
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
Solution
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.
Life Insurance 101
Make sure you cover the unique risks you face with life insurance.
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