Tennessee has 7,066,383 residents. We list 17 agencies for disability income insurance in Tennessee. Here is what the local numbers say about the cover people here need.

Tennessee at a glance

17disability income insurance agencies listed
33.1%of households rentRenters insurance
$286,700median home valueHome insurance
1987median year homes were builtRebuild cost calculator
5.2%of households have no carAuto insurance
8.1%of homes are mobile homesMobile home insurance

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

Natural hazard risk across Tennessee

How many of Tennessee’s 95 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Lightning19 of 95 counties
Very High in Knox County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Tennessee
Strong wind15 of 95 counties
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 Tennessee
Ice storm13 of 95 counties
Tornado12 of 95 counties
Very High in Shelby County.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Tennessee
Winter weather7 of 95 counties
Very High in Rutherford County.
Inland flooding4 of 95 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.
Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

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 Tennessee How much liability cover do you need?

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

Insurance companies Tennessee agencies work with

Of the 17 Tennessee agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY11 agencies
Unum11 agencies
Blue Cross Blue Shield10 agencies
The Lincoln National Life Insurance Company9 agencies
UnitedHealthcare9 agencies
National Pacific Dental,8 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY8 agencies
Aetna7 agencies
Mutual life carrier7 agencies
Nationwide7 agencies

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

Questions

Disability Income insurance in Tennessee

All insurance agencies in Tennessee · Disability Income insurance in every state

Where can I find disability income insurance in Tennessee?

Pick your city in the list on this page to see every agency there that offers disability income insurance, or search by name or ZIP code.

What does disability income insurance cover?

Replaces part of your income if illness or injury stops you working.

Which insurance companies do Tennessee agencies work with?

Among the 17 Tennessee agencies whose appointments we hold, the companies they are most often appointed with are PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY (11), Unum (11), Blue Cross Blue Shield (10), The Lincoln National Life Insurance Company (9), UnitedHealthcare (9). An appointed agency can quote that company's policies.

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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