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Protecting Your Assets for Over a Century

V. R. Williams & Company offers a wide range of personal auto and home insurance coverage options to provide peace of mind. Serving Winchester, TN, and surrounding communities, we protect your most prized possessions and investments–your home, automobiles, recreational vehicles, and so much more. Let our skilled personal insurance agents create a personalized insurance plan tailored to your needs.

Not sure if we work with your insurance provider?

Let Us Help Protect Your Home

The biggest asset for most people is their home. Lose that, and you will likely lose a big part, if not most, of your net worth. Let our team of experienced insurance agents protect your most significant investment. Our insurance options help protect your home from fire, theft, accidents, and even weather. Home insurance is also vital to receiving a mortgage on a home. If you’re looking to purchase a new home, make sure you have reliable home insurance with us.

Personal Insurance Options We Offer

V. R. Williams and Company offers a wide range of personal insurance options. Contact us to learn more about our various options, including, but not limited to:


  • Homeowners Insurance
  • Watercraft Insurance (Yacht, Boat, Jetski, etc).
  • Boat Dock Insurance 
  • Renters Insurance
  • Jewelry/Furs/Fine Arts
  • Auto Insurance
  • Condo Insurance
  • Recreational Vehicle Insurance
  • Personal Umbrella Insurance
  • Classic Collectable Vehicles
  • Flood Insurance
  • Mobile Home Insurance 

Frequently Asked Questions

Why is my Auto Insurance Increasing?
  • Economic inflation. rising number of claims and increase in frequency of claims.
  • Material Costs for repairing damage and labor costs which are impacted by inflation. 
  • Advanced safety and complex software also increase repair costs.

These are a few of the many factors that drive auto insurance rates. To offset cost, there are discounts that you may elect or be eligible for that may relieve some of these increases. One of the biggest discounts is to bundle your home and auto policies as well as increase your deductible. Always ask your agent what discounts you qualify for and how you can lower your annual premium. 

Why is my Home Insurance Increasing?
  • Increase in construction materials and labor costs.
  • Increase in frequency and severity of weather events which puts pressure on the material and labor availability.


We strongly suggest that you and your agent review your homeowner’s policy annually to ensure that your limits provide you with adequate coverage.  A review of your policy will also provide your agent with information regarding any upgrades to your roof, heating system or installation of security devices, water shut-off system or other changes that have been made to your home.  This may provide you with a lower annual rate.  Consider bundling your home and auto policies which will provide you with a discount. 

Does homeowners’ insurance adjust for inflation?

Each year, coverages are automatically adjusted based on an inflation factor. This helps your home insurance coverage keep pace with inflation as costs for construction materials and services go up. 

What is one way to lower your insurance costs?

Increase your deductible! 

Requesting higher deductibles can lower your costs substantially for your home or auto policy. For example, increasing your deductible for your auto from $500 to $1000 could possibly reduce your cost 15 to 30 percent.  Speak with your agent, who can provide you with various deductible options. 

Always ask questions! You should not be afraid to ask questions and seek clarity on all your insurance policies. Some of the top questions you should be asking is:

  • What is my deductible and what are my deductible options? 
  • What is my premium?
  • What happens if I get into a car accident?
  • Do I have enough protection with my current home or auto policy?
  • Am I eligible for any discounts?
  • Do I need an umbrella policy?
  • Is it time for me to consider life insurance? 
    • Most companies offer an additional discount to your home or auto policy if a Life and/or umbrella policy is added to your package.

It is important to us that we work together to ensure that we have the right coverage for you. 

I have a new teenage driver, what do I need to know?

Having a teenage driver is a significant responsibility. Not only does it require financial commitment, driving also comes with serious risk. They need to understand that anything can happen, and they must always be prepared. To help parents manage their teenage drivers and to keep them safe, review our toolkit that contains guidance intended to help you have conversations with your young driver about their safety behind the wheel. For additional information regarding safety resources and possible discounts for your teen driver give us a call today.


Want to learn more about the other services we offer?
Business Address
V. R. Williams & Company
1784 Sharp Springs Rd
Winchester, TN, 37398

Contact Us

Phone: 931-967-2268
Fax: 931-967-1128

Business Hours

Monday-Friday: 8 AM- 5 PM
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A Division of Patriot Growth Insurance Services, LLC