Title: Tennessee Auto & Home Insurance Author: Chris Langille Published: September 18, 2026 Last modified: September 21, 2026 --- [ ⌊Sparks Insurance, established 1983⌉ ](https://www.elptn.com/?output_format=md) RamseyTrusted Endorsed insurance pro Talk to a real advisor [800-943-9514](https://www.elptn.com/+18009439514?output_format=md) Independent agency, serving Tennessee # Tennessee Auto & Home Insurance Made Simple Sparks Insurance compares multiple companies to help families find the right coverage and price, with **personal help from a real insurance advisor**. [GET MY FREE QUOTES](https://sparksinsurance.com/request-a-quote/) [ Prefer to talk? 800-943-9514 ](https://www.elptn.com/+18009439514?output_format=md) No obligation · Takes about 10 minutes · Or call and we'll fill it out with you ![Randy Sparks and Dave Ramsey at The Dave Ramsey Show studio](https://www.elpflorida. com/wp-content/uploads/sites/60/2026/09/randy-dave.jpg) Your local advisor Randy Sparks President, Sparks Insurance RamseyTrusted Recommended by Ramsey Solutions Ask us about Wind & hail coverage * Independent AgencyWe compare many companies, not just one * RamseyTrustedRecommended by Ramsey Solutions * Trusted Since 1983Four decades, same family agency We compare companies you already know * ![Travelers](https://www.elpflorida.com/wp-content/uploads/sites/60/2026/09/travelers. webp) * ![Liberty Mutual Insurance](https://www.elpflorida.com/wp-content/uploads/sites/ 60/2026/09/libertymutual-ins.webp) * ![Progressive](https://www.elpflorida.com/wp-content/uploads/sites/60/2026/09/ progressive.webp) * ![GEICO](https://www.elpflorida.com/wp-content/uploads/sites/60/2026/09/geico- ins.webp) Available companies vary by coverage type and location. What we cover ## One agency for the policies that protect your family Most people come to us for auto and home together, which is usually where the savings are, but we write the rest too. ### Auto Coverage and pricing options compared across a wide range of companies, not just one. ### Home Protecting your most valuable asset is serious business. We're here to do exactly that. ### Umbrella Extra liability protection that sits above your auto and home limits. ### Life Term coverage sized to what your family would actually need. How it works ## Four steps, and you'll know exactly where you stand No surprises about what we ask for or how long it takes. 1. 01 2. ### Tell us about you 3. You fill out the quote form: drivers, vehicles, and details about your home. 4. 02 5. ### We shop it 6. We run your information through our rater and compare multiple companies side by side. 7. 03 8. ### We walk you through it 9. A real advisor explains your options and what we'd recommend, in plain language. 10. 04 11. ### You decide 12. Happy with what you see? We write the policy for the start date you choose. **About that form:** it's thorough on purpose. The more we know up front, the more accurate your quotes come back. Set aside about ten minutes, or call **800-943-9514** and an advisor will go through it with you over the phone. [GET MY FREE QUOTES](https://sparksinsurance.com/request-a-quote/) [Or call **800-943-9514**](https://www.elptn.com/+18009439514?output_format=md) Tennessee specifics ## Four decades of writing policies in this state Tennessee sits in an active hail and windstorm corridor, and roof age has become one of the biggest factors carriers price on. We've been here since 1983, and this is our home market. * Hail and windstorms drive a large share of Tennessee home claims, so the condition of your roof matters. * Some carriers pay older roofs at actual cash value only. We'll tell you which ones before you buy. * Bundling auto and home is usually where Tennessee families find the most savings. ![](https://www.elptn.com/wp-content/uploads/sites/65/2026/09/pexels-isaac-loredo- vargas-660530048-17715307.webp) Nearest officeKnoxville & Lenoir City, Tennessee Licensed & appointedTennesseeOur home state, writing here since 1983. Talk to someone local800-943-9514 ![elp in florida](https://www.elptn.com/wp-content/uploads/sites/65/2019/08/68783811_2444678485815970_3249233877155184640_n. png) What clients say > I was thoroughly impressed with the service [Randy] provided me. I felt like I > mattered! Not only did I get a phone call, I got a follow-up email as well as > a nice handwritten note in the mail. The extra contact was unexpected, but greatly > appreciated! Kathy Personal insurance customer ## Ready to see what you'd actually pay? Start your comparison now, and find out what it's like to work with an independent agency that treats you like a person, not a policy number. [GET MY FREE QUOTES](https://sparksinsurance.com/request-a-quote/) Or call us directly [**800-943-9514**](https://www.elptn.com/+18009439514?output_format=md)