Tim Shrum - State Farm Insurance Agent

As the most populous city of the U.S. state of Tennessee, Nashville is a center for the music, healthcare, publishing, private prison, banking and transportation industries, and is home to numerous colleges and universities. Downtown Nashville is the hub of the entertainment that defines Music City.

Our State Farm office is located in 37208 Germantown neighborhood of Nashville. One of Nashville’s historic neighborhoods is bringing people closer to town to live and play. This district is one of Nashville’s most architecturally heterogeneous neighborhoods, containing a significant concentration of Victorian building styles.

I’ve been with State Farm since 2010, a State Farm Agent in Nashville, TN since 2016, and a local Nashville, TN Resident since 2012. As a third generation Insurance Agent I love focusing on relocation's to Nashville, TN. If you are moving to Nashville, relocating, or State to State Nashville, Brentwood, Franklin, Murfreesboro, and all Tennessee. I know there are a lot State Farm Nashville agents, but we would be honored to help your insurance move to Nashville as well.

• State Farm Top 100 New Agent Program Qualifier
• State Farm Vice President Club Qualifier
• State Farm Ambassador Club Qualifier
• State Farm Honor Club Qualifier

Providing Insurance in Nashville's favorite neighborhoods of 12 South, Downtown Nashville, East Nashville, Germantown, Green Hills, The Gulch, Hillsboro Village, West End, Sylvan Park, and the Nations.

• Auto insurance
• Motorcycle insurance
• Homeowners insurance
• Renters insurance
• Life insurance
• Small Business insurance

We provide auto insurance Nashville, TN with free car insurance quotes and Tennessee auto insurance Murfreesboro, TN. Here to help with renter’s insurance quotes TN for State Farm renter’s insurance Nashville, TN. We love to help new homeowners with homeowner’s insurance Tennessee with state farm homeowner’s insurance quotes.

Car Insurance by State Farm®
Shopping for car insurance? You've come to the right place! State Farm keeps you and your family covered with great auto insurance that's also a great value. Get an online auto insurance quote, or find a car insurance agent or representative, any time, day or night. Either way, you'll learn how competitively priced auto insurance from the industry leader can be.

At first glance, insurance companies probably all look alike. But there's a reason why so many people insure their vehicles through State Farm. Actually, there are several.

Find Out What Sets State Farm Apart
Check out our long-term financial strength and reliability – Auto Insurance Ratings.
State Farm is the largest auto insurance provider in the US.1
Personal service from thousands of local agents.

Save Money with Auto Insurance Nashville
Want to save money on insurance? We thought you might. Which is why we have a list of potential discou nts that make our industry-leading insurance even more competitive.

Save a lot when you purchase both car and home policies.
Drive Safe & Save™, Steer Clear® , and other lower prices for safe drivers.
Do you have a car alarm or some other anti-theft device?

Auto Insurance Nashville Options That Keep You Covered
When it comes to auto insurance, you have plenty of options. Fortunately, we've got thousands of agents who are happy to help choose the ones that are just right for you!
Liability helps pay for vehicle damage and injuries if you're to blame.
Collision pays to repair or replace your vehicle if you're in an accident with another car, hit an object, or if your car rolls over.
Find out about other State Farm auto insurance options.

What is Renters Insurance?
Renters insurance is a policy protecting home valuables you own — that won't break the bank. Get renters insurance for your things and lower your anxiety a bit. And if you have a car, you can save money by having your renters and car insurance with State Farm®.

The Basics of Renters Insurance

Do I need Renters Insurance?
Your landlord's coverage doesn't cover your stuff. Make a move to protect what's yours.

What does Renters Insurance Nashville Cover?
Personal property, things like computers, furniture, electronics, bikes, etc.

Renters insurance may cover losses caused by:

Weather: Fire, storms, wind, hail, lightning, freezing of a plumbing system, weight of ice, snow or sleet
Non-weather: Theft, vandalism, riots, aircraft and vehicles
For additional coverage on your valuable add a State Farm Nashville personal article policy.

What's Not Covered by Renters Insurance?
Renters insurance may not cover:

If the insured intentionally causes harm to property or person
Business pursuits or professional services
Ownership, operation, or maintenance of aircraft, motor vehicles and some watercraft

How much is Renters Insurance?
Cost: You can insure thousands of dollars of personal property for less than a dollar a day. Get a renters insurance quote today.

Discounts: From adding your car to adding some security, you can earn insurance discounts to keep costs within your budget.

If you use your personal car as a rideshare driver for companies, their insurance may not cover what you might expect. You could find yourself paying for damages out of your own pocket — especially if you're injured. At State Farm® we created a competitively priced State Farm Rideshare Driver Coverage for our auto insurance policyholders.

Home and Property Insurance
Whether you own or rent, we're here to help you protect your home. Save money when you combine one of these policies with a State Farm® car insurance policy.

More homeowners choose State Farm ® as their home insurance company over any other insurer. Make the move to protect your home and family. Plus, save money when you have both a home and car insurance policy with State Farm®.

Determine Your Home Insurance Coverage
Since your home may be the biggest purchase you ever make, it is important to understand your home insurance coverage options. From market value to replacement cost, here is some important information to consider when determining the coverage amount for your home.

Make Sure that Your Home is Insured for at Least One Hundred Percent of its Estimated Replacement Cost
To determine your amount of homeowners insurance coverage:

Get an estimate of the replacement cost of your home.
Select the home insurance coverage amount that best fits your needs.
We recommend that you purchase an amount of coverage at least equal to the estimated replacement cost. But the choice is yours. Determining your home's estimated replacement cost is important because this will ultimately determine which policy options are available to you. Since it is impossible to predict today what the exact cost will be to replace your home in the future, it's important to have enough coverage to account for unforeseen circumstances.

Market Value vs. Replacement Cost
Market value is the amount a buyer would pay for a home, including the land, regardless of how much it would cost to rebuild the home. Replacement cost for this purpose is the rebuilding cost necessary to replace the entire home.

Replacement cost IS NOT:

The market value of the home.
The home's purchase price or the cost of the land.
The outstanding amount of any loan.
Be Sure to Obtain an Estimate
Before you purchase a new home, make sure that you determine the appropriate amount of coverage needed. Here's how:

Ask if a replacement cost estimate is available when you have the home appraised.
Or, consult with your local builder association or a reputable builder for an estimate.
You can also check with your State Farm® agent to help you with this process.
Be Aware of any Factors that may Affect Your Estimated Replacement Cost, such as:
Upgraded bathrooms or kitchens (including cabinets).
Finished or partially finished basement.
Additional rooms or living space.
Custom molding or arched windows.
Other unique features
A Contractor or Appraiser Can Help
Building contractors or professional replacement cost appraisers are a good source for obtaining an estimated replacement cost of your home. Estimates from these sources should reflect your home's features, like those mentioned above. If you are unable to obtain a detailed estimate from these sources, your State Farm agent can discuss other options for estimating the replacement cost of your home.

Review Your Homeowners Insurance Coverage Annually
Have you recently remodeled or improved your home?

When you upgrade or improve your home, you may increase your home's estimated replacement cost. Your State Farm agent will then help you adjust your policy to meet your home insurance coverage needs. As part of your policy's provisions, you have 90 days to notify us of any remodeling or additions to your home that increases its value by five thousand or more.

Has the rate of costs risen since your last appraisal?

State Farm provides coverage that automatically adjusts each year in an effort to compensate for increases in construction costs in your area. However, certain conditions such as severe weather can increase the demand for labor and materials, and raise costs beyond normal rise in costs. It is important to update your coverage amount each year to keep up with the changing economy.

What affects the building costs in your area?

Market conditions in your area may impact the amount it will cost to rebuild your home if you experience a loss. Replacement cost estimates are measured by supply of labor, demand for labor, and the cost of construction materials. Keeping up with the current market conditions in your area and changing your home insurance coverage amount accordingly, will help you maintain coverage at least equal to 100 percent of the estimated replacement cost coverage for your home.

If you have any questions, contact your State Farm agent.