Published June 24, 2026 · 40 years in trucking & the trades
What we cover in Collinwood
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Collinwood choose a local agent
When you're in Collinwood, Wayne 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 Collinwood: the local picture
Folks in Collinwood know that life here, nestled near the Buffalo and Tennessee Rivers, has its unique charm and its unique risks. For homeowners, especially with those beautiful single-family detached homes we see all over, comprehensive coverage is key. We're no strangers to severe weather – thunderstorms, hail, and the potential for tornadoes are real concerns for roofs and property. That’s why robust dwelling and other structures coverage, along with adequate personal property limits, is essential. When a storm rolls through, having a local like ROCH Roofing Company or Tree Removal in Collinwood, TN, ready to assist is a comfort, but your policy is what truly protects your investment.
Our local economy, supported by stalwarts like the Wayne County School System and Wayne Medical Center, provides a stable foundation. However, with the nearby David Crockett State Park and our access to the rivers, many residents enjoy recreational activities. This means considering coverage for boats, RVs, or ATVs isn't just a luxury, it's a smart move. And let's not forget our daily commutes on SR 13 and SR 203; proper auto insurance, including comprehensive and collision, is non-negotiable for protecting against the unexpected on the road.
Given our geography, right by the Buffalo and Tennessee Rivers, flood insurance is a serious conversation for many properties. Standard homeowners policies don't cover flood damage, so whether you're in a designated flood zone or not, it's wise to explore options through the National Flood Insurance Program or private carriers. It’s about protecting your home from the ground up, especially in a place where water can be both a blessing and a challenge.
Population: 895 (2020)
Housing in Collinwood
The housing stock in Collinwood (ZIP Code 38450) predominantly consists of single-family detached homes. As such, implications for replacement cost/roof cannot be definitively determined from the available information. (Source: https://www.city-data.com/zips/38450.html)
Major local employers & who's hiring
- Wayne County School System — Education Actively hiring
- Wayne Medical Center — Healthcare Actively hiring
Local Collinwood businesses
A few businesses that call Collinwood home — independent of our agency.
- Tree Removal in Collinwood, TN — Tree Trimming
- ROCH Roofing Company — Roofing Contractor
- Floor and More — Local Shop
- Citgo — c-store
- Wayne County Bank — financial
- Athena Bitcoin ATM — financial
- Peoples Bank — financial
- Q Barbecue Co. — main-street
- Collinwood Hardware — main-street
Local landmarks & geography
- Collinwood Railroad Station (Depot Station) — Listed on the National Register of Historic Places (April 1, 1988). Historic properties often have specific regulations for repair and renovation, which can increase insurance costs or require specialized coverage due to unique materials or craftsmanship requirements.
- Tennessee State Route 13 (SR 13) — A primary state highway running through Collinwood. Proximity to major roads affects property accessibility, noise levels, and can influence property values and potential for traffic-related incidents.
- Tennessee State Route 203 (SR 203) — A state highway intersecting SR 13 in Collinwood. Similar to SR 13, it's a significant local road affecting accessibility, traffic, and property values.
- David Crockett State Park (nearby) — Located near Collinwood, state parks can influence surrounding property values positively due to recreational opportunities. Depending on specific park features and local climate, proximity could also be a factor for natural hazards like wildfires (though less prominent in this region).
- Buffalo River (nearby) — While not directly flowing through the town center, the Buffalo River is a significant regional waterway. Properties in its watershed or closer to its banks, even if outside the immediate town, could be subject to regional flood risks.
- Tennessee River (nearby) — A major regional river system. Properties in the broader regional flood plain or areas affected by its tributaries could have flood risk implications, even if not immediately adjacent to Collinwood.
Local facts that shape your coverage
- The Collinwood, TN area has recorded 4 instances of on-the-ground hail reported by trained spotters and has been under severe weather warnings 40 times in the last 12 months. — Direct evidence of recent severe weather activity, specifically hail, in the town's vicinity.
- The FEMA Flood Map Service Center provides official flood hazard information, including Flood Insurance Rate Maps (FIRMs), which can be used by residents of Collinwood, TN to understand their property's flood risk. — Provides a primary governmental source for assessing current flood hazards.
- First Street Foundation's Flood Factor tool allows individuals to input an address in Collinwood, TN to receive a property-specific flood risk score and details on how flood risk may change over time. — Offers a non-governmental resource for understanding current and future flood risks at a granular level.
- Historical severe weather events, including details on storm type, dates, and impacts for Wayne County, Tennessee (where Collinwood is located), are cataloged within the NOAA National Centers for Environmental Information (NCEI) Storm Events Database. — Provides a comprehensive historical record for researching past severe weather events affecting the area.
- The broader Wayne County economy employs approximately 6.33k people. — Indicates general economic stability and employment base, which can influence property values and resident's ability to afford insurance.
- Collinwood, TN has an average per capita income of $46,083. — Provides insight into the economic capacity of residents to afford various insurance coverages and deductibles.
Local figures compiled from public sources: worldpopulationreview.com · interactivehailmaps.com · msc.fema.gov · floodfactor.com · ncei.noaa.gov · datausa.io. 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.
Collinwood, TN insurance — common questions
How much does insurance cost in Collinwood, TN?
Rates in Collinwood and Wayne 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 Collinwood?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Collinwood and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Collinwood 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.