Late to the party, but having spent 10 years of my life in commercial insurance...
I strongly recommend working with an independent agent. Check out a couple down in TN. Let them shop your home/auto/personal umbrella insurance with multiple companies. Listen to their recommendations and have them justify why they would recommend company X over company Y. Let them know that you will get back to them shortly. Look for reviews on those companies on line. If the premiums are relatively close, go with the better rated company.
If you feel more comfortable with agent X over agent Y, and the premiums are close, go with agent X.
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