Franklin has 87,133 residents in 33,998 households. We list 14 agencies for accident & health insurance in Franklin. Here is what the local numbers say about the cover people here need.

Franklin at a glance

14accident & health insurance agencies listed
36.2%of households rentRenters insurance
$705,400median home valueHome insurance
2002median year homes were builtRebuild cost calculator
3.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Williamson County

FEMA rates the overall natural hazard risk in Williamson County, where most Franklin agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Franklin
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Tennessee

Tennessee requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Franklin How much liability cover do you need?

Source: tn.gov. Checked 2026-10-24.

Insurance companies Franklin agencies work with

Of the 14 Franklin agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare11 agencies
Medicare Advantage9 agencies
Blue Cross Blue Shield6 agencies
Centene6 agencies
HealthSpring Life & Health Insurance Company,6 agencies
Aetna5 agencies
Devoted Health Plan of Texas,5 agencies
Medco Containment Life Insurance Company5 agencies
Molina Healthcare of Texas,4 agencies
Ameritas Life Insurance3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Franklin agencies are

Franklin agencies we list sit in 4 ZIP codes, mostly in Williamson County.

370676 agencies
370644 agencies
370693 agencies
370681 agency

Questions

Accident & Health insurance in Franklin

All insurance agencies in Franklin · Accident & Health insurance across Tennessee

Where can I find accident & health insurance in Franklin?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Franklin agencies work with?

Among the 14 Franklin agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (11), Medicare Advantage (9), Blue Cross Blue Shield (6), Centene (6), HealthSpring Life & Health Insurance Company, (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Franklin?

FEMA's National Risk Index rates inland flooding risk in Williamson County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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