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2024

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Best Homeowners Insurance Agencies in Chattanooga, TN

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Chattanooga Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

106Reviewed

67Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3320 Dayton Blvd, Chattanooga, TN 37415

Expertise.com Rating

Review Sources

Google
4.9 (50)
Facebook
5.0 (9)
Yelp
5.0 (2)

Why choose this provider?

River City Insurance offers different types of home insurance plans in Chattanooga. This company carries insurance solutions for homeowners' liability, renters, and mobile homes. Its personal lines agents help homeowners find appropriate insurance options to mitigate financial losses. These losses are associated with physical home structures, valuables and other belongings, and liability claims. Mobile homeowners also receive financial protection from trip collisions. River City Insurance provides specialty auto insurance coverage for race cars, hot rods, and antique cars.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Chattanooga, TN

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Carr Insurance Group is a full-service agency based in Chattanooga that helps homeowners choose the right kind of insurance policy that meets their needs. It offers home insurance policies that cover property damages, as well as reimburses homeowners for lodging expenses when their house is uninhabitable. For condo owners and apartment renters, it has rental insurance options to protect their belongings. Carr Insurance provides additional insurance coverage for classic cars, boats, motorhomes, and motorcycles.

  • Multiple Policy Types

5726 Marlin Road, Chattanooga, TN 37411

Expertise.com Rating

Review Sources

Google
4.5 (8)

Why choose this provider?

American National is a full-service insurance company that has been servicing Chattanooga for more than 110 years. Established in 1905, the firm provides homeowners' insurance policies that allow individuals and families to secure financial protection for their homes and valuables against disasters. The policies cover the residential property and related structures, personal belongings, additional living expenses due to relocation, personal liability and medical expenses, as well as identity theft protection. The firm also provides personal, business, and commercial insurance products in all 50 states.

  • Renter's Insurance
  • Fire
  • Condos

4159 Ringgold Road, Chattanooga, TN 37412

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (7)

Why choose this provider?

The Insurance Advisors of Tennessee is a homeowners insurance agency that serves clients living in Chattanooga and the surrounding areas. Its insurance advisors offer standard home insurance that covers various types of natural damages except for earthquakes and floods, since these disasters have separate plans or policies. Aside from providing home insurance, they also get quotes for condominiums and unit renters. The Insurance Advisors of Tennessee can also assist clients looking for auto, health, and life insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

5506 Hwy 153, Hixson, TN 37343

Expertise.com Rating

Review Sources

Google
4.7 (18)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Donald Kane is a State Farm insurance agent offering damaged property coverage for homeowners in Chattanooga. The company's home insurance secures the repair and replacement costs incurred by theft, fire, and vandalism, as well as damages caused by natural disasters, from lightning to the weight of ice or snow. It also covers affected select personal belongings, from keepsakes to home and gardening equipment. With over three decades of experience, Daniel and his team also provide auto, property, life, and health insurance.

  • Renter's Insurance
  • Multiple Policy Types

3535 Main Street, Jasper, TN 37347

Expertise.com Rating

Review Sources

Facebook
4.7 (13)
Google
5.0 (9)

Why choose this provider?

Goggans Insurance is a family-owned business led by a team of knowledgeable insurance agents near Chattanooga who have provided residents with the right insurance since 1987. It offers home insurance to cover the personal property of homeowners against damage from fire, sewer backups, vandalism, as well as floods, and earthquakes. For mobile homeowners, it has insurance policies to cover property damage, loss of personal items, and living expenses. Additional insurance services from Goggans Insurance include auto, life, and farm.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

4101 Dayton Blvd 101, Chattanooga, TN 37415

Expertise.com Rating

Review Sources

Google
4.6 (23)

Why choose this provider?

A American Advantage Insurance is an insurance agency established in 1984 that is located in Chattanooga. It is an independent insurance agency that works with dozens of insurance carriers to provide homeowners' insurance, helping property owners secure their investments from all risks or specific losses. A American Advantage Insurance also offers manufactured home insurance, vacant dwellings insurance, and flood insurance. The agency works with insurance companies like Progressive, The Hartford, Safeco Insurance, Travelers, and MetLife.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

1200 Mountain Creek Road, Chattanooga, TN 37405

Expertise.com Rating

Review Sources

Google
5.0 (118)
Facebook
5.0 (6)

Why choose this provider?

Rock Creek Insurance offers property damage coverage for homeowners and renters in Chattanooga. Whether for clients living in homes or apartments, the company provides policies that secure the costs of damages and injuries that occur within their premises. Rock Creek also counsels clients on the scope of their policies, whether they are on a named perils basis that only covers cited losses, or an all-risk basis that covers all hazards unless specifically excluded. The company also provides other policies for mobile homes, RVs, and personal umbrella insurance.

  • Earthquake
  • Renter's Insurance
  • Flood

3013 Bob Wallace Avenue Southwest, Huntsville, AL 35805

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

American Insurance Agency is a full-service company near Chattanooga whose agents have been serving the insurance needs of clients since 1981. It offers home insurance plans that provides protection against fires, theft, vandalism, and other unexpected events. The agency has insurance policies that can be purchased separately to cover property damages caused by natural disasters such as floods and earthquakes. American Insurance also has comprehensive insurance packages for motor vehicles, health, life, and worker's compensation.

  • Fire
  • Multiple Policy Types

50 Frazier Avenue, Chattanooga, TN 37405

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Chattanooga-based Beene Insurance Agency helps homeowners and renters secure financial protection for residential properties and personal belongings in the event of theft, fire, and weather-related catastrophes. The agency offers advice on available insurance coverages and corresponding limits and deductibles. Beene Insurance Agency also helps clients secure coverage for home reconstructions and repairs as well as medical expenses and additional living fees for temporarily uninhabitable homes. The agency is headed by principal Mitchell Beene, who has over three decades of insurance experience.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
River City Insurance
3320 Dayton Blvd, Chattanooga, TN 37415
carrinsurancegroup.com
Chattanooga, TN
American National
5726 Marlin Road, Chattanooga, TN 37411
Insurance Advisors of Tennessee
4159 Ringgold Road, Chattanooga, TN 37412
Donald Kane - State Farm Insurance Agent
5506 Hwy 153, Hixson, TN 37343
Goggans Insurance
3535 Main Street, Jasper, TN 37347
A American Advantage Insurance
4101 Dayton Blvd 101, Chattanooga, TN 37415
Rock Creek Insurance
1200 Mountain Creek Road, Chattanooga, TN 37405
americaninsurance.net
3013 Bob Wallace Avenue Southwest, Huntsville, AL 35805
Beene Insurance Agency
50 Frazier Avenue, Chattanooga, TN 37405

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What does a standard homeowner's insurance policy in Chattanooga typically cover?

    A homeowner's insurance policy in Chattanooga can include a variety of coverages. The four main types of coverage are dwelling, which covers damages to your house and adjacent structures; personal property, which reimburses you for your lost possessions such as pieces of furniture, appliances, and clothes; personal liability, which covers any injuries suffered by a guest on your premises; and loss of use, which provides for your expenses while your house is under repair.

  • Is flood insurance included in standard homeowner's insurance, or do you need a separate policy in Chattanooga?

    Damages to your home due to flood are not covered in your standard homeowner's insurance policy in Chattanooga. You will need to secure separate flood insurance in order to protect your real estate property in the event of natural disasters such as flooding. it is also important to note that in rental units, only the damages in the structure will be covered by the landlord's insurance policy and not the personal belongings of the tenants.

  • What is "replacement cost" coverage, and how does it differ from "actual cash value" in Chattanooga?

    Replacement cost and Actual Cash Value (ACV) are both coverage options in homeowner's insurance in Chattanooga. The main difference is in the scope and amount of coverage they each provide to the insured homeowner. With ACV, depreciation will be taken into consideration together with the actual market value to arrive at a reimbursement cost. On the other hand, Replacement Cost does not consider depreciation and will have full coverage regardless of the current market value.

  • Does homeowner's insurance in Chattanooga include coverage for water damage and leaks?

    Yes. Typically, your homeowner's insurance will cover any damages incurred from water leaks or accidental pipe bursts in Chattanooga. Other causes that may be covered are leaking roofs due to weather disturbances and appliance malfunctions. However, a lot of water damage cases are excluded from coverage, such as a water leak that has been going on for more than 14 days and surface floods.

  • Does homeowner's insurance cover damage caused by pests like termites in Chattanooga?

    No, most of the insurance carriers do not cover damages caused by termites and other insects in Chattanooga. Termite damages are considered preventable and are not subject to insurance coverage as they can occur over a long period of time. It is recommended that you hire a termite control service as soon as you discover the problem.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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