Local Tennessee insurance coverage that fits your business needs, with a team that knows your name.
Homeowners, tornado, and flood insurance across Tennessee
Ace Insurance Consultants has helped families protect their homes since 1999, and we serve Tennessee households and businesses from our office in Knoxville. From Memphis and the Mississippi River bluffs to Nashville, Chattanooga, and the Tri-Cities in the mountains of East Tennessee, homes here face tornadoes, flash flooding, and in West Tennessee, earthquake risk. We shop multiple carriers, explain your options in plain English or Spanish, and review your coverage every year.
Tennessee's homeowners market
Carriers look closely at roof age and condition on every Tennessee home, and many policies now carry a separate wind and hail deductible. Fast growth around Nashville, Knoxville, and Chattanooga has pushed rebuilding costs up, so we make sure your dwelling limit keeps pace with what it would actually cost to rebuild. We also cover condos, rental properties, renters, and high-value homes.
Tornadoes, flooding, and earthquake
The March 2020 tornado tore across Nashville, Mount Juliet, and Cookeville, and the May 2010 and August 2021 floods showed how fast water can rise in Middle Tennessee. Hurricane Helene's remnants flooded towns in East Tennessee in 2024, and West Tennessee sits near the New Madrid Seismic Zone. A standard homeowners policy does not cover flood or earthquake, so we quote both separately.
Auto, boat, and business coverage
Tennessee requires auto liability limits of at least $25,000 per person, $50,000 per accident, and $25,000 for property damage. Heavy traffic on I-40, I-24, I-65, and I-75 makes higher limits and uninsured motorist coverage worth a look. We round out your protection with auto, boat, and umbrella coverage. For business owners, we also write business insurance, from business owners policies to commercial property, along with contractors insurance and trucking coverage.
Where we work in Tennessee
We serve Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, Johnson City, Jackson, Hendersonville, Bartlett, Kingsport, Collierville, Smyrna, Spring Hill, Cleveland, Brentwood, Germantown, Gallatin, Columbia, Mount Juliet, La Vergne, Lebanon, Cookeville, Morristown, Oak Ridge, Maryville, Bristol, Farragut, Shelbyville, East Ridge, Tullahoma, Springfield, Sevierville, Goodlettsville, Dyersburg, Dickson, Greeneville, Arlington, and Elizabethton, along with communities across the state.
The numbers behind our protection.
In more ways than one, insurance is a numbers game. Ace Insurance Consultants has the experience and expertise to properly protect your business for years to come.
Years experience insuring businesses owners in TN & CO.
Customer satisfaction with all five star google reviews.
Policies written for Tennessee families & business owners.
Don't take our word for it. Takes theirs.
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Locally owned! Owner and staff go above and beyond to offer great services. Being treated like a person and not a number is meaningful. -
Very nice people, and really low prices!
Providing insurance strategies for business owners in Tennessee.
- Arlington, Tennessee
- Bartlett, Tennessee
- Brentwood, Tennessee
- Bristol, Tennessee
- Chattanooga, Tennessee
- Clarksville, Tennessee
- Cleveland, Tennessee
- Collierville, Tennessee
- Columbia, Tennessee
- Cookeville, Tennessee
- Dickson, Tennessee
- Dyersburg, Tennessee
- East Ridge, Tennessee
- Elizabethton, Tennessee
- Farragut, Tennessee
- Franklin, Tennessee
- Gallatin, Tennessee
- Germantown, Tennessee
- Goodlettsville, Tennessee
- Greeneville, Tennessee
- Hendersonville, Tennessee
- Jackson, Tennessee
- Johnson City, Tennessee
- Kingsport, Tennessee
- Knoxville, Tennessee
- La Vergne, Tennessee
- Lebanon, Tennessee
- Maryville, Tennessee
- Memphis, Tennessee
- Morristown, Tennessee
- Mount Juliet, Tennessee
- Murfreesboro, Tennessee
- Nashville, Tennessee
- Oak Ridge, Tennessee
- Sevierville, Tennessee
- Shelbyville, Tennessee
- Smyrna, Tennessee
- Spring Hill, Tennessee
- Springfield, Tennessee
- Tullahoma, Tennessee
…and all other cities, towns, and neighborhoods throughout Tennessee.
We believe in providing top-notch insurance products and services to our clients, and that requires working with the best financial institutions available.
Most people collect insurance one piece at a time: a general liability policy here, an auto policy there, a business policy from someone else. We take a more holistic approach. Because we write a full book of coverage across your entire commercial insurance needs, we can look at the whole picture, see where things overlap or leave gaps, and help it all work together.
For your business life and employees, that means your business operations, your property, your employees, your vehicles, and the umbrella coverage that ties them together, along with specialty needs. For Tennessee business property owners, it also means real guidance on earthquake and wildfire exposure, the FAIR Plan, and the difficult market many of us are navigating.
We don’t just write policies.
Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect you and your loved ones for years to come. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your needs. Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way.
We’ve successfully served hundreds of customers and are determined to treat each individual with respect and compassion. Shopping for insurance can be difficult, but our staff does the work for you. Maintain your peace of mind knowing that our insurance professionals have your back.
"Ace Insurance Consultants exists to protect your family or business through proactive, strategic insurance planning, not just annual renewals."
Since 1999, we’ve dedicated ourselves to protecting families & businesses with personalized insurance solutions built on honesty, education, and care.
Ace Insurance Consultants
Your trusted insurance advisor in Tennessee providing insurance solutions for all types of businesses.
Insurance services offered by Ace Insurance Consultants.
