Independent insurance · Home · Auto · Life · Business
Insurance should be easy and actually cover what matters.
Send your current policies through our secure form. We send back a written review that shows the gaps and the price together.
No cost. No obligation. Send by 2 p.m. Central Monday through Friday for a same-day reply.
- Licensed in Tennessee, Property & Casualty and Life & Health
- Independent. Not tied to one company.
- Nashville, Brentwood, and Franklin
- Hablamos español
What Hearthside Insurance reviews
Home, auto, umbrella, business, and life insurance, plus long-term care and retirement income planning.
Home & Auto
Limits, deductibles, and what your home and auto policies do and do not cover.
Learn moreSmall Business
Coverage matched to what your business does, including contractor workers' compensation.
Learn moreLife Insurance
Whether what you have still fits the life you are living now.
Learn moreRetirement Income Planning
Reviewing expenses, income sources, and timing for the years after the paycheck stops.
Learn moreLong-Term Care
Planning for potential care costs and the choices your family may want to consider.
Learn moreWhat you do. What we do.
You send your policies. We review them against all 47 points of the Coverage Check.
What you do
Send photos or PDFs of each policy you have. Home, auto, umbrella, whatever you are carrying. Upload them through our secure form. If you want help getting started, call and we will walk you through it.
A declarations page is enough to start. We will ask for more policy wording if we need it. Not sure which page? Send all of them.
What we do
- Check all 47 points of the Coverage Check every time
- Read your policies for the limits, deductibles, and exclusions that could affect a claim
- Compare coverage and price across the carriers we represent
- Send you a written review that shows the gaps and the price together
- Handle the paperwork if you decide to move. Mid-policy is fine.
- Confirm the new coverage before we arrange cancellation of the old policy, with your authorization, and send proof of coverage to your mortgage company
What clients say
Every one of these is a real Google review. Nothing here is edited except for length.
“He took the time to review all of our insurance policies and identified some gaps in our home insurance coverage that we weren't aware of. Incredibly knowledgeable, helpful, and responsive, always getting back to us quickly whenever we had questions.”
“I personally hate dealing with this stuff, but I also like to know enough details to understand what's going on. He was great at communicating what type of coverage I had, along with some of the smaller details most people miss with my business type.”
“Friendly, knowledgeable, and took the time to answer my questions and explain everything clearly. I really appreciated how helpful and easy they were to work with.”
You shouldn't have to know what a seepage clause is.
That is our job. Hearthside is independent, which means we are not tied to one company and can look across the carriers we represent. If your current agent already does all of this, you may not need to change anything.
How we take care of every client, every year
Getting the policy right is the start. Keeping it current is the rest. Five things happen for every client, every year.
You see what your policies do
We walk you through your coverage in plain English, including limits, deductibles, and the endorsements that matter for your household. We call it the Coverage Roadmap Review. It is part of working with us.
A home inventory video
We send you a short video showing what to record and how. Keep the inventory yourself or send it to us and we'll store it in your document vault.
A renewal review each year
When your renewal arrives, we review what changed and explain it to you. We compare coverage and price across the carriers we represent and check the discounts you qualify for.
Monthly upkeep tips
A short note each month, written for Nashville homes and Nashville weather. Small maintenance items and what to look for.
A yearly look at what changed
New house, new car, new kid, new business. Once a year, in your anniversary month, we check whether your coverage kept up with your life. We call it the Annual Life Review.
Four things we promise
New coverage first
We confirm your new coverage is in place before we arrange cancellation of the old policy, with your authorization.
We say when you are fine
If your coverage looks right, we tell you so and leave it alone. If we are not the right fit, we say that too and point you to someone who is.
Renewal changes explained
When we receive your renewal, we review what changed and explain it to you.
Same-business-day replies
Send by 2 p.m. Central Monday through Friday for a same-day reply.
We are paid by the carrier when we place coverage, and only on what you choose to put in force.
Before you file a claim, call us.
A claim can affect your rates and your record. Before anything goes to the carrier, we look at it together.
What we look at
- What the damage actually costs against your deductible
- Whether a claim could raise your rate by more than it pays
- Whether the loss looks like something your policy covers
Then, if it makes sense
We report the claim for you, make sure the adjuster has what they need, and stay on it until it is closed. You get one number to call and it is ours.
About Hearthside
Hearthside is run by one licensed agent with a background in financial planning and a contracting business that was sold. Licensed in Tennessee for Property & Casualty and Life & Health. PLCS and CLCS designations.
We are an independent agency serving Nashville, Brentwood, Franklin, and surrounding Middle Tennessee communities. Hablamos español.
About HearthsideSend us your policies. We'll tell you where you stand.
No cost and no obligation. Send by 2 p.m. Central Monday through Friday for a same-day reply. If your coverage looks right, we will tell you that too.
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