Motor Vehicle

• Auto Insurance
  When it comes to Nashville auto insurance there is a lot of TV and radio advertising for companies that offer the state minimum coverage. When it comes to you and your family's well-being, Parker & Watts Insurance wants to help you understand the possible implications to your home, retirement savings, future earning power and other financial assets if you are involved in a serious auto accident. We hope you are never involved in a serious auto accident, but we want to help you put together a plan of insurance that gives you the best chance of minimizing the impact on your personal assets in case you are. Talk to one of our agents about the options available to help provide this kind of protection.

Property

• Home Insurance
  Based in Nashville, TN, Parker Watts Insurance understands the home insurance needs of our customers. We’ll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed. It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home’s true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy.
• Landlord Insurance
  Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.

Health and Life

• Life Insurance
  Life insurance is an important part of securing your family's financial future. Many people don't like to think about the death of a loved one or of themselves, but unexpected deaths can create financial hardships and a little planning now can help ease the burden during a difficult time. Though life insurance terms can be confusing, we are here to help clarify the information so you can choose a plan to fit your budget. We have agents who understand your concerns, and can show you how flexible life insurance can be. Our agents will listen to your personal needs to find the coverage and payment options that work for your family budget.
• Health Insurance
  Make sure you work with a Medicare agent who can clearly explain the differences between Medicare Supplement plans and Advantage plans, and when a stand-alone prescription drug plans (Part D = PDP) is needed. We help you understand ALL of your Medicare options so that you can make a good choice for you. No plan is perfect, and everyone is unique, so that plan that works for a friend or family member may not be the right plan for you. The benefit of working with Parker & Watts Insurance is that we are a small, local company that focuses on you and your needs. We work with all the top seven health insurance companies in Tennessee, Alabama and Kentucky. Superior service is how we distinguish ourselves from others. Medicare can be too confusing to get without an agent. Our services are free and there is never any obligation to buy or pushy sales. We believe in making sure that you have all the facts so that you can make a choice that is best for you.
• Long Term Care
  As independent agents, we don't work for just one company. We're free to search the market for a company that offers competitive rates on a coverage package that fits your individual needs. We offer a broad rage of insurance products from home and auto, business, life and long term care, to health insurance options for individuals including Medicare supplement and Medicare Advantage.

Business

• Business Insurance
• Commercial Property Insurance
• Workers Compensation Insurance
• Commercial Liability Insurance

Personal

• Liability Insurance

Natural Disaster

• Flood Insurance
  Just a couple of years ago if your lender required the purchase of Flood insurance, they only accepted policies through our government’s National Flood Insurance Program (NFIP). Now, new laws require lenders to accept private Flood insurance policies as long as they meet certain criteria. Premium costs through the private market can be less than half that of those through NFIP. The application process is less burdensome, too. Not everyone will benefit by purchasing through the private market, but it’s worth checking with an agent to see. Our office can collect the info we need in less than five minutes and shop your flood insurance for you. We still write with the NFIP and can help you find the plan that will benefit you the most, whether it is through NFIP or not.