What Are My Options For Getting Rid Of My Business?

I own a service franchise in Tennessee. In December a tornado destroyed my warehouse (I was renting), a ton of inventory, some equipment, and damaged my truck. I immediately stopped operating and got a different job, as I didn’t know how long it would take to replace my stuff. Turns out my insurance sucked, so I can’t afford restart the business. I’m still shutdown 6 months later. I have about $250k business debt. I make enough to make the monthly payments, but it will obviously take a long time to pay it off. About $180k of the debt (some SBA, some HELOC) is tied to my house.
I’ll try to sell it in the next month or so, but I’m not confident I’ll be able to sell for anything near what I owe. I’m just trying to figure out what my options are. If I file bankruptcy will i lose my house? Franchisor will probably try to take my territory back if I don’t do something soon. I’m not currently paying any of the franchise fees, which they are not very happy about.
Appreciate any advice.
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