Our Company Blog

Historic Franklin

Elite Insurance is proud to serve the entire state of Tennessee for many reasons. One of these reasons is the many special communities throughout the state. Franklin is a favorite town of ours because we love spending time in its historical downtown area. Preserved by two groups, the Downtown Franklin Association and the Heritage Foundation of Franklin & Williamson County, downtown Franklin offers specialty shops, restaurants, and art galleries in historical homes and buildings, along with festivals and special events. We would like to tell you more about historic Franklin.



One of the historical treasures located on the square in downtown Franklin, the Franklin Theater opened in the summer of 1937 and showed movies for the next 70 years. Unfortunately, the trend of the blockbuster movie palaces forced this theater to close in 2007; however, the Heritage Foundation of Franklin & Williamson County bought this historic landmark and invested more than eight million dollars in its renovation. You can still see movies at this site, but now you can also enjoy live music in this entertainment venue with a state-of-the-art lighting and sound system.


Located not far from the downtown square, Carnton Plantation is rich with Civil War-era history. Built in 1826 by former Nashville mayor Randal McGavock, Carnton Plantation served as a hospital for Confederate soldiers after the devastating Battle of Franklin. The McGavock family also set aside almost two acres of land on their property for the burial of the dead Confederate soldiers. To show that humanity can still exist during times of war, Carnton Plantation was opened to the public in the late 1970’s and offers guided tours of the property every day.


A Civil War historical landmark found right off of the square, the Lotz House was at the center of the Battle of Franklin and now hosts a museum of this war between the states. Featuring its original furnishings that The Magazine Antiques named “the finest privately owned collection of American antiques in the Southeast,” the Lotz House also showcases the handcrafted woodworking of its original owner, Johann Lotz, paintings from Matilda Lotz, and artifacts that have been found in the home’s yard, which served as a battlefield. Another Civil War-era home nearby, the Carter House is also a museum dedicated to the bloody Battle of Franklin.


Housed in a Victorian building built around 1876, Gray’s on Main opened in 2013 after the restoration of the former landmark pharmacy, the Gray Drug Co. One of several restaurants found in downtown Franklin, Gray’s on Main offers three stories of dining and entertainment. On the first floor, you can dine on dishes featuring locally and regionally sourced ingredients. You can catch live music acts and drink handcrafted epicurean cocktails at the bar on its second floor. The top floor hosts a supper club exclusively for members in its SOCIETY.

Want to know more about historic Franklin? Contact Elite Insurance Solutions to find out our favorite places in this community.

Do I Need to Insure My Motorcycle, Scooter, or Moped?

At Elite Insurance Solutions, one of the more common questions our agents are asked concerns the Tennessee state laws on motorcycle, moped, and other two- and three-wheeled vehicle insurance policies. Our customers want to know if two- and three-wheeled motorized vehicles require any insurance as well as what types of coverage are available. We would like to share some information with you from the Tennessee Department of Safety and Homeland Security regarding insurance policies and requirements for these types of transportation.

Exactly which two- and three-wheeled motorized vehicles are required by the State of Tennessee to be insured?

Although you can always contact the Department of Safety and Homeland Security to ask about the requirements for your motorcycle, scooter, or moped, the state has provided the following specifics:


MOTORCYCLES: In Tennessee, all motorcycles are required to be both registered and insured to drive legally on state roads. A motorcycle is defined as any two- or three-wheeled vehicle with an engine of 125 cc or more.

MOTOR-DRIVEN CYCLES: Also requiring registration and insurance, this type of cycle (more commonly known as a scooter) is defined as a two- or three-wheeled vehicle with an engine of up to 125 cc.

MOPEDS: Defined by the state as any motor-driven cycle with an engine under 50 cc, mopeds do not require insurance or registration; however, the state recommends both if you plan to use the moped in one of the allowable public areas.

What are the minimum requirements for insurance coverage for these vehicles?

Tennessee requires the following amounts of coverage for two- and three-wheeled motorized vehicles:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury if multiple people are involved in the accident
  • $15,000 for property damage

Is there an alternative to buying motorcycle, scooter, or moped insurance in Tennessee?

Tennessee does allow you to establish financial responsibility in another way besides purchasing liability coverage. Depending on your situation, you can deposit cash or a bond with the Department of Safety and Homeland Security; however, you may find it much more economical to speak with one of the agents at Elite Insurance Solutions to find an affordable insurance policy for your motorcycle, scooter, or moped.

Want to know more about insurance coverage of motorcycles, scooters, and mopeds? Contact Elite Insurance Solutions to ask one of our agents anything you need to know.