Insurance Services Murfreesboro, Tennessee

Murfreesboro—the vibrant county seat of Rutherford County, Tennessee—is one of the fastest-growing cities in the United States and the largest suburb of Nashville. With a population topping 165,000 (2023 census), this dynamic Middle Tennessee community continues to expand at an impressive pace.

Unfortunately, Middle Tennessee’s history of tornado activity puts Murfreesboro at elevated risk for severe weather events. The devastating 2009 tornado, with winds reaching 170 mph, tragically caused two fatalities, 41 injuries, and the total destruction of 117 homes—an unforgettable reminder of how quickly disaster can strike.

Because of these risks, having the right insurance coverage in Murfreesboro is essential to protect your home, assets, and livelihood. Many residents place their trust in Irvin-Dyal & Brown, the local independent insurance agency dedicated to safeguarding Murfreesboro families and businesses.

With more than 75 years of experience, our agents work with 20 leading national carriers, giving us access to hundreds of insurance products. This allows us to tailor affordable, custom coverage that fits your lifestyle and protection needs.

Home Insurance in Murfreesboro, TN

Located in the geographic heart of Tennessee, Murfreesboro attracts a fast-growing population of young families who live in everything from spacious single-family homes to condos and modern apartments.

No matter what type of home you own, securing the right homeowner’s insurance is vital. Severe storms, flooding, fires, subsidence, and even fallen trees can lead to costly damage—and being prepared can make all the difference to your ability to recover.

Our Murfreesboro home insurance specialists understand the risks unique to Rutherford County. We evaluate tornado exposure, storm patterns, and property-specific risks to help you secure full replacement-cost coverage suited to the local environment.

Home insurance rates in Murfreesboro vary based on the age and location of your property, your chosen coverage levels, and your deductible. Our team works diligently to ensure you receive maximum protection at a competitive premium.

For true peace of mind, speak with the experts at Irvin-Dyal & Brown. While we can’t stop disasters or prevent break-ins, we can make sure you’re fully covered with an affordable, reliable homeowner’s insurance policy should the unexpected occur.

Auto Insurance in Murfreesboro, TN

Tennessee law requires all drivers—including those in Murfreesboro—to carry auto insurance. Proper coverage ensures you’re financially protected from the costs of injuries, accidents, and property damage, as well as from liability involving other drivers or vehicles.

Our auto insurance team can help you secure the lowest-cost policies that meet Tennessee’s legal minimums. If you’d like enhanced protection, we also offer comprehensive auto insurance options that include coverage for vehicle theft, severe weather damage, and other non-collision events common in Middle Tennessee.

You may also qualify for valuable discounts. Drivers who bundle home and auto insurance with the same carrier, mature drivers, those with claims-free histories, and individuals who complete advanced driving courses often receive reduced premiums.

Talk to us about your auto insurance options—you may be surprised at how far your budget can go.

Business Insurance in Murfreesboro, TN

Rutherford County has seen decades of economic expansion, earning a reputation as one of the most robust business environments in the country. Major corporations and a wide variety of thriving small businesses call Murfreesboro home, creating high demand for strong, reliable commercial insurance solutions.

Irvin-Dyal & Brown partners with 20 top national insurance providers, enabling us to match businesses with the exact coverage they need. We prioritise carriers known for responsive claims support—because in business, every minute counts.

In addition to standard commercial insurance, our Murfreesboro business insurance specialists can assist with:

• Professional liability insurance
• Errors and omissions (E&O) insurance
• Directors and officers (D&O) liability insurance
• Cyber liability and data breach insurance
• Business interruption insurance
• And a wide range of industry-specific coverage

Whatever your sector or size, we can help safeguard your operations, employees, and financial future.

Life Insurance in Murfreesboro, TN

Even in a city as safe, healthy, and prosperous as Murfreesboro—across all seven local ZIP codes from 37127 to 37133—life can be unpredictable. Planning for the future may feel uncomfortable, but ensuring your loved ones are financially protected is one of the most meaningful steps you can take.

At Irvin-Dyal & Brown, we offer a variety of life insurance solutions tailored to your needs, from safeguarding your family’s income to covering major expenses in the event of illness, injury, or loss.

Life insurance in Murfreesboro should never be viewed as a luxury—it’s a practical, essential investment in your family’s long-term wellbeing. Once your policy is in place, you can move forward with confidence knowing that your dependents are secure.

Irvin-Dyal & Brown is proud to play a key role in supporting Murfreesboro’s strong and growing community by providing dependable, high-quality insurance services. Contact us to schedule a consultation today.