Tennessee · Franklin · Williamson County
An independent agency for all of Tennessee
Sullivan James writes home, auto, umbrella, landlord and business coverage across Franklin, Brentwood, Nashville and the Williamson County towns. We shop the market rather than defend one company's rate.
The Tennessee agency is its own company with its own licence — not a branch desk answering to somewhere else.
Have my policy reviewedOr call (615) 378-7187 · tn@sullivanjames.com
Where most Tennessee calls start
Four moments worth a phone call
Insurance is dull right up until one of these happens. Each one has a page behind it with the Tennessee specifics rather than a contact form.
High-value homes
Insuring above about $1M in Williamson County
Rebuild cost on large custom construction is not market value, and the roof settlement line decides most of what a hail claim actually pays. Scheduled collections, extended replacement cost, and umbrella limits sized to the household rather than the house.
Franklin and Brentwood high-value →Non-renewal
The letter said they are not renewing you
Tennessee gives you at least 30 days' notice and the right to demand a written reason. Storm losses across Middle Tennessee are dropping households with clean claim records. The reason on the notice is the most useful thing you can hand an agent.
What the law gives you →A second opinion
Have someone read the policy line by line
Free, signed, and back in 48 hours. Home, auto and umbrella read against each other rather than one at a time — which is where most of the gaps in a Williamson County household actually sit.
The Coverage Audit →Car insurance
Tennessee's 25/50/25 minimum is a floor
About one in five Tennessee drivers is uninsured, and uninsured motorist coverage is often lowered or rejected by a form signed years ago that rolls forward on every renewal. What to check on a Tennessee auto policy.
Car insurance in Franklin →How we work here
An office in Franklin, and an agent on the phone
The Tennessee office is at 230 Franklin Rd, Building 2B in The Factory at Franklin, and meetings there are by appointment. Most of the work — reviews, placements, endorsements and claims — runs by phone and email, handled directly by a licensed agent rather than passed to a service desk.
Being independent is the part that matters more. A captive agent defends one company's rate because it is the only one they have. We read what you are carrying, then take it to the market — and if your current carrier is still the right answer, that is a finding too.
Reach us at (615) 378-7187 or tn@sullivanjames.com. Licensed in Tennessee.
What we write in Tennessee
Personal and commercial property and casualty.
Tennessee placements go through Tennessee appointments. We will tell you on the call which markets fit the risk in front of us rather than publish a list that flatters the agency and misleads you.
Town by town
Williamson County first, then the counties around it
Rates are set on exposure, and exposure changes by the mile here. Each town page carries what actually drives its underwriting.
Williamson County
Franklin
Our Tennessee home. Williamson County homeowners insure some of the highest-value properties in the state.
Williamson County
Brentwood
Replacement-cost coverage matters most where build costs run highest.
Davidson County
Nashville
Music City drivers face some of the heaviest traffic in TN — and rates reflect it.
Maury / Williamson County
Spring Hill
Suburban families bundling auto + home are the sweet spot here.
Williamson County
Nolensville
Rapid growth, high-value new construction, family households.
Williamson County
Cool Springs
Commercial corridor — BOPs, general liability, and commercial auto rule here.
Rutherford County
Murfreesboro
Fast-growing Rutherford County means more new builds, more new drivers, more rate variance.
Maury County
Columbia
Mix of farm, rural-residential, and small commercial — independent appointments matter.
Looking for the agency itself rather than a town? What a Franklin homeowner should know about this market covers storm-driven non-renewals, the 30-day notice rule, roof settlement and the 25/50/25 auto minimum in one place.
Questions
What Tennessee households ask first
Does Sullivan James write insurance in Tennessee?
Yes. Sullivan James is licensed in Tennessee and writes personal and commercial property and casualty anywhere in Tennessee — home, auto, renters, condo, landlord, umbrella and business coverage. Franklin is the base and Williamson County is the core of the book, with Nashville, Murfreesboro, Columbia and the rest of the state served the same way, by phone and email.
Is the Tennessee office the same company as the Scottsdale one?
Same family, same people, separate companies. The Tennessee agency is its own legal entity with its own licence, and it places business through its own carrier relationships. That is why nothing on these pages quotes an Arizona rating, an Arizona carrier list or an Arizona phone number — an appointment in one state tells you nothing about what can be written in the other.
Do you have an office in Franklin?
Yes. The Tennessee office is at 230 Franklin Rd, Building 2B in The Factory at Franklin. Meetings there are by appointment rather than drop-in, so call or email first and we will find a time. Most of the work — reviews, placements, endorsements and claims — runs by phone and email either way, handled directly by a licensed agent rather than passed to a service desk.
What does the Coverage Audit cost, and how long does it take?
Nothing, and 48 hours. Send the declarations page — or the non-renewal notice, if that is what prompted the call — and within 48 hours you hear what you are actually carrying, where the gaps are, how your roof settles, and what the market says about your price. A signed letter follows by mail within five business days. There is no obligation to move anything.
Which Tennessee towns do you serve?
All of Tennessee. Franklin, Brentwood, Nashville, Cool Springs, Spring Hill, Nolensville, Thompson's Station, Murfreesboro and Columbia are the core of the book, and households in Knoxville, Chattanooga, Memphis and everywhere between are handled the same way, by phone and email. The core towns have their own pages below with the exposures that actually drive its rates, because a Nolensville new build and a Columbia farm outbuilding are not the same underwriting conversation.
We are relocating to Middle Tennessee. Can you take over the coverage?
That is one of the better times to call. A household arriving from California, Illinois or New York usually has a policy structure built for a different set of risks and a carrier that may not write here at all. Hail, roof settlement terms and rebuild cost on Middle Tennessee construction are the three things that tend to need rework, and it is far easier to do before the move than during the first renewal after it.
Send the declarations page.
Within 48 hours you hear what you are actually carrying, how your roof settles, and what the market says about your price. A signed letter follows by mail within five business days. Free, and no obligation to move anything.
Request your coverage auditOr call (615) 378-7187.
Sullivan James is an independent insurance agency, not an insurance company; no coverage is in force until a carrier issues the policy and the first premium is paid. The Tennessee agency is a separate legal entity from the Arizona agency of the same name, with its own licence and its own carrier appointments. The name is a namesake — it honours the 1937 marriage of Melvin Sullivan and Doris James — and is not a claim to have been in business since then. Sullivan James is not affiliated with James E. Sullivan Insurance, the James S. Sullivan Agency of Marion, New York, or John Sullivan Insurance.