ART Insurance Family
2400 Herodian Way SE, #220, Smyrna, GA 30080
View this agency's profile to learn more about their services.
Loading...
City directory
Smyrna households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2400 Herodian Way SE, #220, Smyrna, GA 30080
View this agency's profile to learn more about their services.
5020 Highlands Pkwy, Suite 100, Smyrna, GA 30082
View this agency's profile to learn more about their services.
5020 Highlands Parkway SE, Ste 100, Smyrna, GA 30082
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Smyrna residents.
Get the essential guide to auto, home, and renters insurance in Smyrna, Tennessee. Learn about coverage requirements, costs, and local agents.
Home InsuranceSmyrna homeowners pay $257/month on average. Learn about tornado coverage, wind deductibles, flood insurance, and discounts in this growing Nashville suburb.
Car InsuranceSmyrna drivers need more than TN's 25/50/25 minimums. Learn about at-fault rules, I-24 risks, and why higher coverage matters in this Rutherford County hub.
Tennessee requires liability coverage with minimum limits of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for total bodily injury, and $25,000 for property damage. However, these minimums may not provide adequate protection in serious accidents, so many experts recommend higher limits of at least 100/300/100.
Tennessee homeowners pay an average of $255 per month or about $3,045 annually for home insurance in 2025, which is slightly below the national average. However, your actual cost depends on factors like your home's age, size, construction type, coverage limits, and deductible amount.
While not legally required, renters insurance is highly recommended. Your landlord's insurance only covers the building structure, not your personal belongings or liability. Renters insurance typically costs just $15-30 per month and provides crucial liability protection if someone is injured in your unit or if you accidentally cause damage to the property.
No, standard homeowners insurance policies do not cover flood damage. If you live near Stones River or in a flood-prone area, you'll need separate flood insurance through the National Flood Insurance Program or a private insurer. About 25% of flood claims come from moderate-to-low risk areas, so don't assume you're safe without coverage.
Yes, most insurance companies offer multi-policy discounts when you bundle auto and home or renters insurance together. These discounts typically range from 15-25% and can result in significant annual savings. Local agents in Smyrna can help you compare bundling options across different carriers to find the best rates.
Tennessee ranks as one of the more expensive states for home insurance due to significant weather risks including tornadoes, severe storms, and occasional flooding. These hazards lead to more claims, which drives up premium costs. Additionally, rising building costs—averaging $180-$350 per square foot in 2024—mean higher replacement values and correspondingly higher premiums.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network