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Home insurance
Our home products are based upon the standard HO3 form which is the same coverage offered by every standard homeowner carrier. This form is known as the Special form because it includes full replacement cost on the dwelling and is an open peril protection policy. These standard policies cover the roof under full replacement cost with very few exceptions. Our quotes always include full replacement for the personal property and higher liability limits. Nearly all of our carriers offer a flat $1000 deductible contrary to the increased minimum deductibles appearing in the market today. Coverage can be increased and customized to complete your needs.
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Business insurance
Our Commercial carriers offer full Business Owner Policies, simple General Liability, Commercial Auto and Workers Comp. They specialize in:
- Small Business Operations
- Commercial buildings
- Tradesman (Lawn care, Photographer)
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Flood insurance
Flood insurance rates are set by FEMA and administered by MetLife within our agency. FEMA provides the actual Flood coverage maximized to $250,000 per dwelling. Personal Property coverage is optional. A pre-existing Flood survey and elevation certificate is required for all Flood Insurance quotes and execution. If no certificate exists, the applicant must obtain a Flood survey and certificate for quoting.
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Auto insurance
Our A-Excellent carriers provide Auto Insurance with features that rival the largest carrier products at the most competitive rates. All standard Auto policies cover the vehicle loss settlement at Actual Cash Value and provides the cash to replace your vehicle with the same available model, year, mileage and features. Our carriers also offer a New Vehicle Replacement option that provides the loss settlement to replace your new to year old car with a brand new car of the same model and features without depreciation and often at no additional premium. Our carriers offer Loan and lease gap options that are far less expensive than offered by the dealers.
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Bonds Insurance
We sell and service Surety Bonds. Our primary Bond Carrier, RLI Surety, provides Notary bonds for $25. Please contact us with regard to bond needs whether Notary, Contract, Permit, ERISA, etc
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Motorcycle insurance
We have hundreds of Motorcycle, ATVs and Scooters insured today. Our carriers for Motorcycle insurance include Safeco, American Modern, Foremost and Progressive.
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Boat insurance
Boat insurance in TN works a lot like Auto insurance but with features specific to your boat. Our best carrier rates for Boat Insurance are Safeco, Foremost, and American Modern. We currently insure fishing, speed, and pontoon boats along with cabin cruisers; not to mention Wave Runners and Ski Doos.
- Home insurance
- Business insurance
- Flood insurance
- Auto insurance
- Bonds Insurance
- Motorcycle insurance
- Boat insurance