Insurance Agency Licensed in Tennessee
Always Faithful Insurance Agency is licensed in Tennessee (Lic. #3004115452, NPN #21686200). We are an independent, veteran-owned property and casualty agency based in Temecula, California, licensed in 21 states, and we work with Tennessee clients by phone, email and fillable, signable applications, so nothing requires an office visit. Call 650-489-2592.
Coverage we write for Tennessee clients
- Personal auto insurance: every driver and vehicle in the household, including teen drivers, tickets and lapses.
- Homeowners, condo, renters and landlord insurance.
- Commercial auto and fleet insurance, including hired and non-owned auto.
- Contractor general liability, workers' compensation and tools and equipment.
- Contractor license and surety bonds, plus umbrella and excess liability.
Tennessee auto insurance requirements
25/50/25 (bodily injury per person / per accident / property damage); no change 2023-2026. PIP is not required, and uninsured motorist coverage is not among the required minimums.
State minimums are a legal floor, not a recommendation. One serious accident can exceed them, so we quote higher limits side by side.
Workers' compensation in Tennessee
Tennessee employers with five or more employees must carry workers' compensation; construction service providers and coal mining employers must carry it with even one employee unless specifically exempted through the state's Exemption Registry.
Applying? Download our Workers' Comp Supplemental Application.
Contractors in Tennessee
The Tennessee Board for Licensing Contractors licenses contractors for projects of $25,000 or more; a separate Home Improvement license covers residential remodeling jobs over $3,000 and under $25,000 in counties that have adopted that law.
We write general liability, workers' comp, commercial auto and equipment coverage, issue certificates and additional insured endorsements, and place license and contract bonds. Start with the Contractor General Liability Supplemental.
Homeowners insurance in Tennessee
A standard Tennessee homeowners policy does not cover earthquake damage; that protection requires a rider or a separate earthquake policy.
Use the Homeowners Application or, for rentals, the Landlord / Rental Property Application.
How it works from Tennessee
- Download the application for your coverage from our insurance forms page, or call 650-489-2592.
- Fill it out and sign it on your computer, tablet or phone, then email it back.
- We shop it with carriers that write in your state and send you the options side by side.
State requirements summarized from official Tennessee sources as of October 2026. Requirements change; we confirm current rules for your situation before you buy.