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Hi! We’re Holt & Legge Insurance!

Take a moment to learn more about our agency.

Founded in 1881, Holt & Legge Insurance has proudly served clients in Gallatin, TN, and surrounding areas. A historic independent agency located in a historic city, we strive to help you find the right insurance to make the unique risks you face a thing of the past.

Our business is located on Main Street, but we consider ourselves to be a true “main street” business. By that, we mean we are constantly working to be at the heart of our community. That’s why so many of our insurance professionals are Tennessee natives. We know better than anyone what it takes to protect the things that matter most to you. With Holt & Legge Insurance, you’ll get the insurance you need backed by over a century of dedicated service.

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The Solution to Your Insurance Needs

Providing a variety of personal insurance, business insurance, life and health insurance, and employee benefits solutions is what Holt & Legge Insurance does best.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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Serving Middle Tennessee and Beyond

We are proud to serve clients throughout our home state of Tennessee as well as clients in over five other states.

Middle Tennessee Is Our Home

Much like our agency’s history is rooted in Gallatin, TN, our team of local agents is too. Many of our insurance professionals are Tennessee natives, and they are eager to help you.

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Holt & Legge Insurance + Trusted Choice

We strive to uphold Trusted Choice’s long-standing commitment to service.

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What Makes Holt & Legge Insurance Stand Out

Apart from our 140+ years of experience, here’s what sets us apart when it comes to serving your insurance needs.

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Small enough to provide individual attention.

Flexible enough to offer many platforms for communication.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Make sure you cover the unique risks you face with auto insurance.

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  Contact Holt & Legge Insurance

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Gallatin, TN

518 West Main Street
Gallatin, TN 37066

We are licensed to serve clients throughout Tennessee, including Gallatin, TN, Hendersonville, TN, Portland, TN, and Nashville, TN. We can also serve clients in over five other states.

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