At the McCarthy Agency, our clients’ needs are as varied as the Tennessee seasons. Insurance isn’t “one size fits all.” Our approach explores all of your options, explains them in everyday terms, and details what those options will achieve for you. Our goal is to provide you with the information you need to make educated, confident decisions for yourself, your business, and your family. We deliver the best possible solutions, so you can sleep at night, assured that your insurance will do what you need it to do.



√ Homeowners
√ Renters
√ Condo
√ Mobile and Manufactured Homes
√ Seasonal and Rental Properties
√ Vacant Properties
√ Flood and Earthquake
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√ Auto
√ Motorcycle
√ Boat and Watercraft
√ RV and Motorhome
√ ATV and Off-Road
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√ Business Owners
√ Commercial Auto and Real Estate
√ Commercial Property
√ Commercial Umbrella
√ Restaurants
√ Liability
√ Workers Compensation
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√ Life
√ Term
√ Whole
√ Universal
√ Accident
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√ Accident
√ Hospital
√ Dental and Vision
√ Critical Illness
√ Cancer
√ Short-Term Disability
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√ Pet Insurance
√ Personal Umbrella
√ Financial Asset Products
√ Rideshare
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Once logged into your online account, look for the right-hand navigation menu called Quick Links. Click on the option at the bottom “Go Paperless” and follow the prompts. Make sure to select “Go ALL Paperless.”

To see your policy information and to pay your personal Auto and Home insurance bill online, you can quickly register for a My Farmers account. You’ll need to supply your policy number, last name, date of birth and email address to get started. Visit to create your account.

Other ways to pay:

Online without a My Farmers account by going to Make sure you have this information ready:

  • Policy number or billing account number

  • ZIP code

 By phone – You can call us during normal business hours or call the Farmers self-service line at the numbers listed below:

  • 1-888-327-6335 Personal Auto, Home, Umbrella, Specialty, or Earthquake policies.

  • 1-855-323-5350 Business Insurance

  • 1-800-238-9671 Life Insurance

By mail – Make sure to write your account number on your personal check or money order:

P.O. Box 0991
Carol Stream, IL 60132-0991

Your Policy Number is a unique number assigned to each insurance policy. Your Policy Number can be found on:

The Evidence of Insurance or Identification Cards.

The Declaration Page of your Insurance Policy.

Click Forgot Username/Password and follow the prompts on the recovery page.

If you need further assistance, reach out to us or the Farmers Customer Care Center:


Mon-Fri 7:00 am to 11:00 pm Central Time
Sat-Sun 8:00 am to 8:00 pm Central Time

Current policies are located on your account. You can view and download policies from there. If you wish to discuss or make changes, you can contact the McCarthy Agency from your online account, call us directly at (931) 548-0090, or come by the office.

This is an often-misinterpreted term and doesn’t refer to a policy that covers “everything.” Instead, full coverage typically refers to a policy that includes both liability coverage and coverage for damage to your property.

Your Auto insurance Policy Declaration page lists the coverage you have selected. Call us with any questions. We are here to help clarify!

In the event of unexpected loss, Farmers can insure you in two distinct ways:

Actual cash value: Damaged property is covered for its replacement value minus depreciation.

Replacement cost: Dollar amount is equal to the cost to replace damaged property without taking depreciation into account but is limited to a maximum dollar amount.

After a car accident, home damage, or any kind of loss, it’s important to let us know. After that, you can get the claims process moving by choosing a method below:

  1. Report a claim online

  2. Text REPORTCLAIM to 29141, and you’ll receive a link to begin the claims process. Messaging and data rates may apply.

  3. Use our Farmers Mobile App

  4. Call the Claim Contact Center at 800-435-7764 (English, Spanish and hearing-impaired available)

Car rental companies charge daily fees for their own insurance to damages in your rental agreement. However, it is possible that your current auto policy provides rental car coverage. Make sure to check your policy or contact us for more details before renting a car.

Core Values


There’s something you should know about Sean and Alison McCarthy – they knew the kind of life they wanted to live and were courageous enough to uproot from California and move their little family across the country to join the welcoming community of Columbia, TN. They value relationships – knowing and mutually caring for people – and Columbia is the perfect place for them to settle in for the long term.

Sean is a people-person and an analytical problem-solver, a combination of traits that make him an invaluable resource to families and individuals who are looking for solutions to their insurance needs.

Alison brings her background in art, education, non-profit, and volunteerism to the partnership. She graduated from Vanderbilt and feels at home being back in Tennessee. Having extended family in Tennessee, Illinois, Georgia, and Texas adds a little more “family” to that home feeling, too.

Together Sean and Alison serve the community and raise their two children. They feel strongly about being in service to others. In their business, this means finding the right solutions and insurance products for each client.

Sean and Alison invite you to visit their office – the welcome mat is out for you! And bring the little ones because the play mat is clean and ready for them!





Join Our Team

If you are a positive, self-motivated salesperson with a passion for serving others, our agency has opportunities for you! Licensed Insurance Sales Representatives advocate for our clients, families and businesses by assessing their needs and advising them on the best insurance products. You will be joining a values-based team of integrity. We are also seeking bilingual representatives who can support our Spanish-speaking community.

We have part time opportunities, as well. Business networking and community involvement are a part of our core mission. If you really enjoy these types of efforts and campaigns, please reach out to us!

Protege Program

Aspiring entrepreneurs can get the licensing and know-how required to start your own agency! You will have direct experience with marketing, sales, insurance knowledge, customer relations and staffing while being mentored along the way. Once the eligibility requirements are achieved, the Protégé will have the opportunity to become a Farmers Agency Owner and have the assets requirement waived.

Thank you for sending us your referral.
We will treat them like family!