931-752-NSUR (6787) Fax: 931-752-6788

Jamestown 500 N Main St. 931-752-6787 | Wartburg 705 Main Street 423-346-5135

Crossville 807 N Main Street 931-707-1921 |Cookeville 1080 Interstate Drive 931-528-6787

Homestead 1760 S. Main Street 931-459-6787 | Fairfield Glade 4929 Peavine Road 931-484-1500

Serving all the insurance needs of the Upper Cumberland

Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value. 

Why? The Rains Agency is an independent agency – meaning we do business with multiple companies and compare protection and prices to find the best value for you. We’re not computers – we are real, live members of the Upper Cumberland community, and we’re committed to being your advocate in times of need.

Our commitment is to serving you.  The Rains Agency knows that in the Upper Cumberland there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your needs, contact us today.

Insurance Products for most any need:


Protection for the things that get you from here to there.

At the Rains Agency our Personal Lines Specialists work closely with you to find insurance answers that fit your specific needs. We work diligently to find solutions that protect your family at the best value our carriers can provide.

Auto insurance is a given for your cars, trucks and other vehicles. You need to be covered against loss due to accidents and your personal liability. One-on-one service enables our professionals to find your auto insurance answers based on your individual coverage needs.

  • Auto Insurance – Get the right coverage for your car, truck, van or other vehicles.
  • Motorcycle Insurance – Ride safe and insure your motorcycle.
  • ATV and Motorsport Insurance – Policies that cover all your toys.
  • Classic Car Insurance – Your classic car is an icon. Insure it well.
  • RV and Mobile Home Insurance – Protection for your home-on-the-road.
  • Boat and Watercraft Insurance – Coverage for the captain of the ship.


Protection for the places and things that matter most to you.

At the Rains Agency our Personal Lines Specialists work closely with you to find insurance answers that fit your specific needs. We work diligently to find solutions that protect your family at the best value our carriers can provide.

Our Personal Lines Specialists know that your homeowner’s insurance needs are unique and they work to find a policy that effectively gets you the coverage that you deserve.

  • Homeowners Insurance – Protection for your most valuable asset.
  • Condo Insurance – Condos have special needs – make sure your coverage is right!
  • Renters Insurance – Inexpensive options that make sense for renters.
  • Landlord ProtectionTM – Renting your home? Protect yourself with landlord insurance.
  • Flood Insurance – Protection that covers what many homeowner’s policies don’t.
  • Earthquake Insurance – Specialized coverage for when an earthquake strikes.
  • Personal Umbrella Insurance – Extra protection for the unforeseen.


Coverage that helps protect your business

We offer a variety of risk management solutions for all types of businesses. By providing the resources you need to identify and manage the risks that could impact your business, the Rains Agency is here to see that you are covered.

Protecting your commercial property is a priority for any business owner. Our Commercial Lines Specialists can help you understand your coverage needs and find an answer that protects your business and fits your budget.

Fire, theft, vandals; are you properly protected? General liability coverage can assure that you are covered for onsite injuries and accidents.

  • General Liability Insurance – Broad coverage for your business and activities.
  • Commercial Property Insurance – Protect your business with coverage for your commercial property.
  • Business Auto Insurance – Cover your business with policies for commercial vehicles.
  • Commercial Umbrella Insurance –Coverage that helps protect your business from the rising costs of lawsuits.
  • Workers' Compensation Insurance –Coverage that helps you take care of your employees.

Life and Health

Protection for your family

Term life, universal life, whole life, variable life, survivorship insurance… what do they mean?

The Rains Agency can provide you with the answers. Our dedicated team of professionals understands the market and regulations for your area, and we can find the right plan – or combination of plans – to meet your needs.

Providing your family with health insurance is one of the most important decisions you can make. Your family’s health is of utmost importance, along with your own well-being. A proper plan assures that your family is taken care of, making it crucial that you have a Rains Agency professional to guide you.

  • Whole Life Insurance – Coverage with a long-term investment.
  • Term Life Insurance – Protection to help keep your family secure.
  • Health Insurance – Coverage that helps take care of you.

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Find Answers to Your Insurance Questions

Visit our insurance FAQs for tips and information to help you decide what insurance is right for you.
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