One Bad Storm. One Wrong Policy. Don’t Find Out the Hard Way.
Most people don’t check their coverage until it’s too late. We’re the independent agency
at 822 Tusculum Blvd that shops Erie, Progressive, and other top carriers — so you never
pay for coverage you don’t need or miss the coverage you do.
Real scenarios, real outcomes. This is what having a local agent means.
Hail Storm
Roof Totaled After Spring Storm
A Greeneville family discovered their roof was destroyed after a hailstorm. Their Erie policy
included Guaranteed Replacement Cost — meaning they got a full new roof, not a depreciated check.
Full roof replacement covered
Auto Accident
Rear-Ended With Rate Lock
A Mosheim driver was rear-ended at a stoplight. Their claim was paid quickly, their car repaired —
and thanks to ERIE Rate Lock®, their premium didn’t go up at renewal.
Rate stayed the same after claim
Business Loss
Water Damage Closed the Shop
A burst pipe shut down a Tusculum Blvd business for three weeks. Their BOP policy covered
property damage plus lost income while they couldn’t open.
Property + lost income covered
How Protected Are You? Take the 60-Second Quiz
Answer 5 quick questions and we’ll tell you where you might have coverage gaps.
When was the last time you reviewed your insurance coverage?
Do you have an umbrella policy that extends beyond your auto/home limits?
If your home was destroyed tomorrow, would your policy cover the full cost to rebuild?
Do you have a separate flood insurance policy?
Does your family have life insurance that would cover at least 10 years of income?
Tornado season in Tennessee runs March through May — and East Tennessee is more at risk than most residents realize. Here’s exactly what your home insurance covers in a storm, what it doesn’t, and how to prepare before the first severe weather hits.
Many Tennessee homeowners assume their standard homeowners policy covers flood damage. It does not. Here are the five most common misconceptions we hear at Vallie…
The Worst Time to Find a Gap in Your Coverage Is After a Claim
A 5-minute call with a local agent can save you thousands when something goes wrong.
No obligation, no pressure, no call center — just an honest review of what you have
and what you might be missing.