Published June 29, 2026 · 40 years in trucking & the trades
What we cover in Decherd
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Decherd choose a local agent
When you're in Decherd, Franklin 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 Decherd: the local picture
Living here in Decherd, we know our economy is heavily influenced by places like the Nissan Powertrain Assembly and the Franklin County School District. That means a lot of us are on the road, often on I-24, making reliable auto insurance with strong comprehensive and collision coverage a non-negotiable. When it comes to homes, with a median property value around $118,600 and many houses averaging 44 years old, it's vital that homeowners have policies that cover the actual cost to rebuild, not just the market value, especially for older construction. And with a significant portion of our neighbors renting, good renter's insurance is just as important to protect their belongings.
Our part of Tennessee sees its share of severe weather, from strong thunderstorms and potential tornadoes to winter weather events. This means homeowners policies need to be robust, covering wind, hail (which we've definitely seen here), and ice damage. What's particularly critical for Decherd, though, is our localized flooding from commercial runoff and public waste. This isn't just a nuisance; it's a persistent problem. Residents need to seriously consider flood insurance, even if they're not in a traditional FEMA flood zone, and ensure they have adequate water backup and sump pump failure coverage to protect against those specific local issues.
Ultimately, whether you're commuting to work, running one of our local businesses like Ortiz Electric or Integrity Tree Service, or simply protecting your home near Tims Ford Lake, having the right insurance coverage is about more than just checking a box. It's about understanding Decherd's unique risks – from our weather patterns to our specific flood challenges – and making sure you're truly protected.
Population: 2379 (2020)
Housing in Decherd
The median property value in Decherd was $118,600 in 2023, with a homeownership rate of 37%. Source: https://datausa.io/profile/geo/decherd-tn
Major local employers & who's hiring
- Nissan Powertrain Assembly — Automotive Manufacturing hiring
- Franklin County School District — Education hiring
- AutoZone — Retail (Automotive Parts) hiring
- Advance Auto Parts — Retail (Automotive Parts) hiring
- Franklin Farmers Cooperative — ag-commercial
- Co-Op — gas station
Local Decherd businesses
A few businesses that call Decherd home — independent of our agency.
- Ortiz Electric — Electrical Contractor
- Five Star Lawn and Landscaping — Lawn Care, Landscaping
- Integrity Tree Service — Tree Trimming, Tree Removal
- Big Jeff Tree Service — Tree Service
- Maxwell Septic Pumping — Septic Service
- Service Tech — HVAC Contractor
- Sunrise (The Breakfast Place) LLC — Restaurant
- Diamonds For You — Jewelry Store
- Franklin Farmers Cooperative — ag-commercial
- Kroger Fuel Center — c-store
- Amoco — c-store
- Co-Op — c-store
Local landmarks & geography
- Tims Ford Lake — Properties adjacent to Tims Ford Lake or within its flood plain face an elevated flood risk. The lake's recreational value can also influence property values.
- Haynes House — As a property listed on the National Register of Historic Places, the Haynes House and similar historic structures may have specific preservation requirements that can affect renovation costs and property valuations for insurance purposes.
- Tims Ford State Park — Proximity to Tims Ford State Park can enhance property values due to recreational amenities but may also introduce risks such as increased potential for wildfire in forested areas or damage from falling trees during windstorms.
- Interstate 24 (I-24) — The presence of Interstate 24 near Decherd can affect property values due to factors like noise pollution and increased traffic. It may also influence vehicle accident claims in the immediate vicinity of the interstate.
- Motlow State Community College — While located approximately 17 miles away in Tullahoma, Motlow State Community College contributes to the regional economy, influencing the rental market, population demographics, and property values in the broader area, including Decherd.
- Nissan Powertrain Assembly Plant — As a major employer, the Nissan Powertrain Assembly Plant significantly impacts local employment, economic stability, and property values in Decherd. It may also present specific industrial risks that could affect commercial insurance or surrounding property values.
Local facts that shape your coverage
- Residents of Decherd, TN have documented long-standing flooding problems in their neighborhood, which they attribute to commercial runoff and public waste, claiming the city has ignored these issues. — High
- Decherd, TN, located in Franklin County, receives severe weather alerts from the National Weather Service, covering hazards such as thunderstorms, tornadoes, and flash floods. — High
- Decherd, Tennessee had a population of 2,379 residents according to the 2020 census. — Medium
- The area around Decherd, TN is subject to winter weather, with forecasts from services like AccuWeather providing expected snowfall and accumulation. — Medium
- The median age of real estate in Decherd is 44 years old. — Older homes may have different construction methods, plumbing, and electrical systems, which can influence insurance premiums and the type of coverage needed for repairs or replacement.
- Decherd, TN experiences hail events. — Hail can cause significant damage to roofs, vehicles, and other property, making comprehensive home and auto insurance coverage for hail damage highly relevant for residents.
Local figures compiled from public sources: en.wikipedia.org · youtube.com · localconditions.com · accuweather.com · bestplaces.net · interactivehailmaps.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.
Decherd, TN insurance — common questions
How much does insurance cost in Decherd, TN?
Rates in Decherd and Franklin 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 Decherd?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Decherd and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Decherd 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.