Firefly Insurance Agency

If anyone needs us, we'll be lobbying for retail therapy coverage at the next policy renewal.

Our own Annsley recently stepped in front of the camera for a new headshot taken by Fields + Fearless Wild Co Studio for her 2nd year as an Ambassador for the Robertson County (TN) Chamber of Commerce.

We love her heart for supporting local businesses and her enthusiasm for this community we all call home.

Cody, "What is a bond?" A lot of people hear the word bond and immediately think of bail bonds. Different thing entirely.

A business bond is basically a financial guarantee that says, "This person will do what they said they were going to do."

The easiest way to think about it is this: Insurance protects you. A bond protects the person you're working for. Many contractors, electricians, plumbers, and other professionals are required to carry bonds before they can get licensed or take on certain jobs.

Let's say a contractor takes a deposit and doesn't complete the work. A bond may help protect the customer from that loss.

A bond is not the same as insurance. If a bond company pays a claim, the bonded person is generally expected to repay that money. So while insurance is designed to protect you from a loss, a bond is designed to create trust.

We are honored to receive such wonderful feedback from our clients! Julie S. recently shared: "Firefly Insurance Agency made the process of switching my homeowners and auto insurance so easy. They saved me money while providing better coverage!" Thank you, Julie, for trusting our team with what matters most. ⭐🙌

It's true... Confusion, surprise, and relief. We see it almost daily. It never gets old.

Call us at 615-384-0607. We'll take a photo of what you look like when you find out Firefly can save you money on your insurance.

What's your adulting superpower? A or B?

(We can help you out with A.)

Today, we remember. The men and women who gave everything. The families who continue to carry that sacrifice. The quiet cost behind the freedoms we live with every day.

We’re thankful to serve a community built on that kind of sacrifice.

At Firefly, we’ve never been very interested in doing things the standard way.

From customer service, to helping you find the right coverage for your situation, to even handing out business cards that are a little harder to throw away.

Because insurance is serious enough already.
No reason the experience has to feel cold and forgettable.

Not sure which one will want to kill us the quickest - Cody’s daughter or his wife - but we’re putting money on Charlie Ann...

She attended the Girl Scouts ceremony recently at Ga***rd Opryland Resort & Convention Center to receive a Silver Award with Troop 788 for installing a piece of dog play equipment at Central Bark Dog Park at Garner Street Park.

Yes, it’s a well-earned award, but if you know us at Firefly, we kinda adore our four-legged children!

CODY SAYS: It depends less on where the tree started and more on where it landed.

If a healthy tree falls because of wind, lightning, or one of Tennessee’s weather mood swings, it’s usually considered an “act of God.” -Which means each property owner’s insurance covers their own damage.

So:

Your neighbor’s tree falls on your house → your homeowners insurance typically covers your house
Your tree falls on your neighbor’s fence → their insurance typically covers their fence

Feels backwards. Is normal.

Now… here’s where it shifts.

If the tree was dead, rotting, or clearly a problem before it fell, and the owner knew (or reasonably should have known), then liability can come into play.
Translation: that tree didn’t just fall. It was neglected into falling.

That can change who pays.

A few quick realities:

Your policy usually covers removal if it damages a structure - but only removal from the structure - the rest of the tree is often your responsibilty.

If it just falls in your yard and misses everything… congrats, that cleanup bill is likely yours
Documentation matters. Photos, messages, prior complaints… all helpful if things get neighborly in the wrong way

So the takeaway?

Trees are low maintenance… until they’re suddenly very high stakes.

And the best time to deal with a questionable tree is before it introduces itself to someone else’s roof.