Published June 27, 2026 · 40 years in trucking & the trades
What we cover in Bradford
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Bradford choose a local agent
When you're in Bradford, Gibson County, you get a real person who knows TN — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Bradford: the local picture
Living and working in Bradford, TN, you learn to expect a mix of the traditional and the practical when it comes to insurance. Our economy, with its strong roots in Manufacturing, Retail Trade, and Accommodation & Food Services, means businesses like Quad Industries, Inc. and local spots near the City of Bradford need robust commercial coverage. Think general liability for customer interactions, property insurance for buildings that house inventory or machinery, and workers' compensation for employees at places like Denton Grange, the greenhouse, or BoPat Farms, our registered Angus seedstock operation. Protecting these livelihoods from everything from a slip-and-fall to a major equipment breakdown is key.
For homeowners, the housing stock in Bradford, predominantly single-family homes built in the 1970s (ZIP code 38316), presents unique considerations. Older homes often mean older roofs, plumbing, and electrical systems, which can impact replacement costs and the types of endorsements needed on your policy. With West Tennessee's notorious severe weather, including frequent hail and a significant risk of tornadoes, roof coverage becomes paramount. A strong wind and hail deductible is a common sight on policies here, and comprehensive auto insurance is wise given the potential for storm damage. Furthermore, being in Gibson County, we're certainly not immune to flood hazards, making flood insurance a smart consideration for many properties, not just those in designated flood zones.
From our school district, Bradford Special School District, to local services like Hunt Funeral Home, the need for proper protection is constant. Whether it's ensuring your family farm is covered against liability or a local business has the right policy to bounce back after a storm, understanding these local nuances is what helps us secure our community.
Population: 1001 (2020)
Housing in Bradford
The housing stock in Bradford, TN (ZIP code 38316) predominantly consists of single-family detached homes, with most homes built in the 1970s. This established character means replacement costs and roof considerations would align with properties of that age, likely requiring updates to older systems and materials. (Source: https://www.zipcodestogo.com/Bradford/TN/38316/)
Major local employers & who's hiring
- Bradford Special School District — Education Actively hiring
- City of Bradford — Government
- Denton Grange — Agriculture (Greenhouse)
- BoPat Farms — Agriculture (Farming)
- Quad Industries, Inc. — Manufacturing
Local Bradford businesses
A few businesses that call Bradford home — independent of our agency.
- Bradford Funeral Home — Other Contractors
- BoPat Farms — Farm
- Bradford Farm and Venue — Farm
- bp — c-store
- Carroll Bank & Trust — financial
- Ulseth Machining — main-street
- Denton Grange — main-street
- TEC — main-street
- Quad Industries Inc — main-street
- United States Postal Service — main-street
- Amtek Precision Products — main-street
- A&G Storage — main-street
Local landmarks & geography
- Dry Creek — Affects flood risk for properties within its floodplain. Small creeks and branches are common contributors to localized flooding.
- Locust Grove Creek — Affects flood risk for properties within its floodplain. Small creeks and branches are common contributors to localized flooding.
- Bear Creek — Affects flood risk for properties within its floodplain. Small creeks and branches are common contributors to localized flooding.
- Toms Creek — Affects flood risk for properties within its floodplain. Small creeks and branches are common contributors to localized flooding.
- Mosley Branch — Affects flood risk for properties within its floodplain. Small creeks and branches are common contributors to localized flooding.
- Thompson Branch — Affects flood risk for properties within its floodplain. Small creeks and branches are common contributors to localized flooding.
- Paris Landing State Park — Proximity to a state park can influence property values due to recreational appeal. Located near Kentucky Lake, it may also imply some regional flood considerations.
- Natchez Trace State Park — Proximity to a state park can influence property values due to recreational appeal and potentially wildfire risk for adjacent properties. Includes Cub Creek and Cub Lake.
Local facts that shape your coverage
- Doppler radar has detected hail at or near Bradford, TN on 54 occasions, including 5 occasions during the past year. — High
- Properties in Gibson County, TN, where Bradford is located, have detailed flood risk information available from the First Street Foundation, covering current and future flood hazards. — High
- Tennessee experiences an average of 31 tornadoes per year based on data from 1995-2025, indicating a notable tornado risk across the state, including West Tennessee. — Medium
- Bradford, Tennessee had a population of 1,001 residents as of the 2020 United States Census. — Low
- The economy of Bradford, TN, employs 559 people, with the largest industries being Manufacturing, Retail Trade, and Accommodation & Food Services. — These industries indicate a strong need for commercial general liability, property, and workers' compensation insurance.
- The housing stock in Bradford, TN (ZIP code 38316) predominantly consists of single-family detached homes, with most homes built in the 1970s. — Older home construction implies potential for higher replacement costs, older systems (HVAC, plumbing, electrical) that may require specific coverage, and considerations for roof age due to severe weather.
- Bradford, TN, is situated in West Tennessee, a region prone to severe weather events, including frequent hail and a significant risk of tornadoes. — This directly impacts homeowners and auto insurance, necessitating robust coverage for wind, hail, and tornado damage, potentially with specific deductibles.
- As part of Gibson County, Bradford, TN, faces flood hazards, with detailed property-level flood risk assessments available through resources like the First Street Foundation. — Indicates a clear need for flood insurance for both residential and commercial properties, as standard policies typically exclude flood damage.
- Bradford Special School District is a local employer. — Public entities require specialized insurance, including liability, property, and potentially cyber insurance.
- Quad Industries, Inc. is a local employer in Bradford, TN. — Manufacturing businesses require comprehensive commercial insurance, including property, general liability, product liability, and workers' compensation.
- BoPat Farms, a registered Angus seedstock operation, is a local business and employer in Bradford, TN. — Agricultural operations need farm and ranch insurance, covering property, livestock, equipment, and liability unique to farming.
- Denton Grange, a local greenhouse and plant sale, operates in Bradford, TN. — Small retail and agricultural businesses need commercial property, liability, and potentially crop insurance or specialized greenhouse coverage.
- Hunt Funeral Home serves the Bradford, TN, community. — Service-oriented businesses require commercial general liability, property, and professional liability insurance.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · firststreet.org · weather.gov · datausa.io · zipcodestogo.com. Estimates — verify current details with the original source.
Insurance requirements in Tennessee
Tennessee is an at-fault state requiring liability coverage for every driver. Parts of Tennessee face severe storms and flooding, so it's worth reviewing whether flood and adequate wind coverage fit your situation. We compare Tennessee-admitted carriers to match the state's requirements to the coverage you actually need. Verify current state minimums with the Tennessee Department of Commerce & Insurance.
Bradford, TN insurance — common questions
How much does insurance cost in Bradford, TN?
Rates in Bradford and Gibson County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Bradford?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Bradford and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Bradford today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.