For over a century, T.C. Simmons Insurance has served the Winchester community. Founded on integrity and personalized service, this independent agency has protected the families and businesses of Franklin County for generations. The team at T.C. Simmons understands the local landscape because they are an integral part of its history, and the agency’s leadership reflects this deep-rooted commitment.
Thomas “T.” Simmons, a lifelong Winchester resident and Franklin County High School graduate, returned to his roots in 1987 to join the family business. His local expertise provides a unique advantage for clients; he understands the specific nuances of Middle Tennessee, from local property values to the regional weather patterns that impact homeowners and farmers alike.

As an independent agency, T.C. Simmons Insurance prioritizes people over premiums. By maintaining partnerships with multiple top-rated carriers, they offer the flexibility to provide tailored coverage for auto, home, life, and business needs. This independence ensures that every client who walks through their doors at 126 North Jefferson Street is treated like a neighbor rather than a policy number.
The agency’s mission has remained unchanged for decades: to provide professional guidance with a personal touch. Whether helping a young family purchase their first life insurance policy or assisting a local business owner with property and liability coverage, the Simmons team leverages nearly 100 years of experience to safeguard what matters most. For the residents of Winchester and Franklin County, T.C. Simmons Insurance represents more than just a financial safeguard — it is a legacy of trust and a reliable partner dedicated to protecting the community for the next 100 years.
Contact T.C. Simmons Insurance: (931) 967-4586 / www.tcsimmonsinsurance.com
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