Your Trusted Independent Insurance Partner in Winchester, TN

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Home
& Property

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Auto
Insurance

Let us guide you.
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Life

Insurance

Let us help you.

Insurance Solutions Built Around You

At T.C. Simmons Insurance Agency, we believe in protecting what matters most—your home, your business, your life. As a proud independent agency rooted in Winchester, TN, we offer tailored solutions for personal and business insurance, all with a neighborly touch.
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Personal Insurance

Protect your home, car, and everything in between with coverage tailored to your needs—because life happens, and we’ve got you covered.
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Business Insurance

From startups to established enterprises, our business insurance solutions safeguard what you’ve worked hard to build, so you can focus on growth.
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Why an Independent Agency is the Right Choice:

01

Personalized Service

Every policy is tailored to fit your life or business—no cookie-cutter solutions here.

02

Local

Advocacy

Our agents were born and raised in the area, which offers an advantage when identifying risks relevant to neighboring residents and businesses.

03

Community Commitment

Trusted by individuals, business and families across Franklin County and serving our neighbors with dedication and integrity for nearly a century.

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Client Testimonials

My husband & I have been with T.C. Simmons for 18 years. Thomas has helped us in every way he can and has always done us right. We appreciate him!

Heather Childers

T. Simmons is a premium insurance provider for our hometown. Always friendly and courteous service with prompt quotes and competitive pricing. A great choice for your insurance needs.

Kyle Macon

T.C. Simmons is professional , helpful in times of need, friendly, and we are glad he is there for us. 

Nancy & John

Great service. Mr Simmons goes the extra step to find the best insurance policies for the client. I am very pleased.

Gary F.

Excellent customer service.  Very friendly and knowledgeable.  Thanks for taking care of me and my family.

Sonya Robinson

Experience the T.C. Simmons difference–

Whether it’s your home, business, or the life you’ve built, we’re here to make insurance simple and stress-free. Contact us today to explore coverage options tailored to your needs.