Send us your declarations page.
We'll write you back.
A licensed Tennessee agent reads your home and auto policies line by line. Within 48 hours you hear every gap and overcharge we find. The signed letter follows within five business days. Free, and no obligation to switch.
Send us your declarations page.
Drop a PDF or photo of your current policy below. Prefer to talk first? Call the Tennessee office at (615) 378-7187.
About the Tennessee audit
What is the Sullivan James Coverage Audit in Tennessee?
A free, line-by-line review of your current home and auto policies by a licensed Tennessee agent. You send the declarations pages. Within 48 hours you hear every gap, overlap and overcharge we find, and a signed letter setting it out in writing follows within five business days. It is a written assessment, not a quote call, and there is no obligation to switch.
Who can do a free insurance coverage audit in Franklin, TN?
Sullivan James TN runs the Coverage Audit for households anywhere in Tennessee, from Franklin, Brentwood and Nashville to Knoxville, Chattanooga and Memphis. It is handled by phone and email as a service-area agency, so there is no need to visit an office.
What do you check on a Tennessee auto policy?
Your liability limits against Tennessee's 25/50/25 minimum, which is a legal floor rather than a recommendation. Whether you carry uninsured and underinsured motorist coverage, and at what limit: under Tenn. Code Ann. 56-7-1201 it matches your liability limits unless someone rejected or lowered it in writing, and that rejection carries forward on every renewal. We also check deductibles, rental and towing, and every driver and vehicle listed.
What do you check on a Tennessee home policy?
How the roof settles — replacement cost or actual cash value — which usually decides more of a Middle Tennessee hail claim than the deductible does. Whether the wind and hail deductible is a flat amount or a percentage of the dwelling limit. Whether the dwelling limit matches today's rebuild cost. Ordinance or law, water backup, loss of use, and whether you need flood coverage, which a standard homeowners policy excludes.
What if my current coverage is already right?
Then the letter says so. Plenty of households we review keep exactly what they have. You leave with your coverage explained in writing and a date to check it again before renewal.
Is this the same audit as the Arizona office?
Same format, separate agency. Sullivan James TN is its own company, licensed in Tennessee, with its own Tennessee phone line and inbox. Tennessee audits are handled in Tennessee.