Get The Right Coverage From An Experienced Independent Insurance Agency Serving Chattanooga, Tennessee
It Just Takes A Few Clicks
Or Give Us A Call At (440) 826-3676
Your Trusted Independent Insurance Agency serving Chattanooga, Tennessee - The Allen Thomas Group
We know that finding the right auto, home, life or business insurance can be about as much fun as a root canal, but we’re here to make it as painless as possible.
We’re The Allen Thomas Group, a trusted insurance agency serving Chattanooga, TN for over 20 years.
Our team of insurance experts is dedicated to protecting your assets, keeping you compliant with Tennessee state laws, and giving you the peace of mind you deserve.
Understanding the Importance of Insurance in Chattanooga, Tennessee: Protecting Against Accidents, Disasters, and Liabilities
Now, you might be thinking, “Do I really need insurance?”
Well, let’s put it this way: if you own a home, drive a car, or have a pulse, the answer is a resounding
“Yes!”
Here’s why:
- Protecting your assets: Your home, car, and other possessions in Chattanooga are worth more than just a pretty penny. Insurance helps protect them from theft, damage, and other unexpected events.
- Complying with Tennessee state laws: In Tennessee, certain types of insurance (like auto insurance) are required by law. Unless you enjoy frequent chats with the friendly folks at the Chattanooga DMV, it’s best to stay covered.
- Achieving peace of mind: Life in Chattanooga is full of surprises, but not all of them are pleasant. With the right insurance, you can rest easy knowing that you’re prepared for whatever curveballs come your way.
Our Insurance Solutions: Tailored to Your Needs
Liability, Collision, and Comprehensive Auto Insurance: Keeping You Safe on Chattanooga, Tennessee Roads
Chattanooga roads can be as unpredictable as a rodeo bull, but our auto insurance has you covered.
We offer:
- Liability coverage: This covers damages you cause to other people’s property or injuries you cause to others in an accident in Chattanooga.
- Collision and comprehensive coverage: Whether you collide with another car or a stray armadillo in Chattanooga, this coverage helps pay for damages to your own vehicle.
- Uninsured/Underinsured motorist coverage: If you’re hit by a driver in Chattanooga who doesn’t have insurance (or enough of it), this coverage steps in to help.
- Roadside assistance and rental car coverage: Because let’s face it, breakdowns happen, and hitching a ride on a Chattanooga tractor gets old fast.
Homeowners Insurance: Safeguarding Your Chattanooga, Tennessee Home from Fire, Theft, and Natural Disasters
Your Chattanooga home is your castle, and we’re here to help you protect it from fire, theft, and natural disasters.
Our homeowners insurance includes:
- Dwelling coverage: This covers damages to the structure of your Chattanooga home caused by events like fire, hail, or Godzilla attacks (okay, maybe not that last one).
- Personal property coverage: From your favorite recliner to your prized stamp collection, this coverage helps replace your Chattanooga belongings if they’re stolen, damaged, or destroyed.
- Liability protection: If someone sues you for injuries or damages that occur on your Chattanooga property, this coverage helps pay for legal expenses and settlements.
- Additional living expenses: If your Chattanooga home becomes uninhabitable due to a covered event, this coverage helps pay for temporary lodging and other expenses. This can be especially valuable if you have a home value home in Tennessee.
Term, Whole, and Universal Life Insurance: Ensuring Your Family's Financial Future in Chattanooga
We know, talking about life insurance can be about as comfortable as wearing a wool sweater in Chattanooga in July.
But if you have loved ones in Chattanooga who depend on you financially, it’s an important conversation to have. We offer:
- Term life insurance: This provides coverage for a specific period (like 10, 20, or 30 years) and pays out a death benefit if you pass away during that term.
- Whole life insurance: This provides lifelong coverage and builds cash value over time, which you can borrow against or withdraw for future needs in Chattanooga.
- Universal life insurance: This combines the lifelong coverage of whole life with the flexibility to adjust your premiums and death benefit as your Chattanooga needs change.
- Burial and final expense insurance: This helps cover the costs of funeral expenses and other end-of-life expenses in Chattanooga, so your loved ones don’t have to shoulder the burden alone.
Business Insurance: Protecting Your Chattanooga, Tennessee Restaurant, Shop, or Office
Running a business like a restaurant, shop, or office in Chattanooga, Tennessee is no small feat, but we’re here to help you protect your hard work.
We offer:
- General liability insurance in Tennessee: This covers third-party claims of bodily injury, property damage, and advertising injury related to your Chattanooga business.
- Commercial property insurance: This protects your Chattanooga business’s physical assets, like buildings, equipment, and inventory, from covered events like fire, theft, or natural disasters.
- Workers’ compensation insurance: If an employee in Chattanooga gets injured or sick on the job, this coverage helps pay for their medical expenses and lost wages.
- Professional liability insurance: Also known as errors and omissions (E&O) insurance, this covers claims of negligence, mistakes, or inadequate work in your Chattanooga professional services.
Additional Coverages - Renters, Motorcycle, RV, and Boat Insurance: Covering All Your Chattanooga Bases
We also offer:
- Renters insurance: If you rent your home in Chattanooga, this covers your personal belongings and provides liability protection.
- Motorcycle insurance: For all you easy riders in Chattanooga, this covers your bike and provides liability protection.
- RV insurance: Whether you’re a weekend warrior or a full-time road tripper in Chattanooga, this covers your home on wheels.
- Boat insurance: Because even though Chattanooga is landlocked, there are still plenty of lakes and rivers nearby to explore.
Why Choose The Allen Thomas Group for Your Chattanooga Insurance Needs?
Furiously Independent: We Work for You to Find the Best Coverage and Rates, Not the Insurance Companies
We’re not tied to any one insurance company, which means we have the freedom to shop around and find the best coverage and rates for your unique Chattanooga needs.
Plus, as a family owned business, we’re invested in the well-being of Chattanooga residents.
20+ Years of Experience: Navigating the Complex World of Insurance in Chattanooga to Ensure You’re Properly Protected
We’ve been around the block a few times in Chattanooga (and then some).
With over two decades of experience, we know the ins and outs of the insurance industry and can help you navigate even the most complex situations in Chattanooga to ensure you’re properly protected.
Personalized Service: One-on-One Consultations and Tailored Insurance Plans, No Cookie-Cutter Solutions
We believe that every Chattanooga client is unique, and their insurance should be too.
That’s why we offer one-on-one consultations and take the time to get to know you and your needs, so we can craft tailored insurance plans that fit you like a well-worn pair of boots.
Comprehensive Coverage: Your Chattanooga Insurance Safety Net – We Leave No Stone Unturned
We don’t believe in half measures. When you work with us in Chattanooga, we’ll make sure you have a comprehensive insurance safety net, covering you from the obvious (like auto and home) to the often-overlooked (like umbrella liability and pet insurance).
Competitive Rates: Getting You the Best Bang for Buck without Sacrificing Quality or Protection
We know that price is important, but we also know that the cheapest option isn’t always the best.
That’s why we work hard to find you the most comprehensive coverage at the most competitive rates in Chattanooga, without sacrificing quality or protection.
Plus, we offer discounts for things like bundling your policies and having a safe driving record in Chattanooga.
The Insurance Claims Process in Chattanooga: We've Got Your Back
Filing a Claim in Chattanooga: Our 24/7 Claims Hotline and Step-by-Step Guidance – Don’t Stress, We’ve Got Your Back
If you need to file a claim in Chattanooga, don’t panic.
Our team is here to help you every step of the way with our 24/7 claims hotline and step-by-step guidance. We’ll make sure you have all the documentation you need and help you navigate the process with ease.
Working with Adjusters: Let Us Be Your Knowledgeable and Assertive Advocate for a Fair Settlement
Dealing with insurance adjusters in Chattanooga can be intimidating, but you don’t have to do it alone. We’ll be your knowledgeable and assertive advocate, working with the adjuster on your behalf to make sure you get a fair settlement.
Resolving Disputes in Chattanooga: Our Evidence-Based Approach and Negotiation Skills – We’ll Fight for What’s Right
If you disagree with the insurance company’s decision in Chattanooga, we’ll be your advocate.
Using our evidence-based approach and negotiation skills, we’ll work with you to gather evidence and build a case to support your claim and fight for what’s right.
Ensuring Prompt and Full Payment: We’ll Expedite Your Claim So You Can Move On
We know that waiting for a claim to be paid in Chattanooga can be stressful.
That’s why we’ll stay on top of the insurance company to expedite your claim and ensure prompt and full payment so you can move on with your life.
Personal And Business Insurance Solutions in Chattanooga, Tennessee Built For Your Needs
We know how frustrating and complex the process of finding the right independent insurance agent in Tennessee can be.
Let us help fix it for you in 3 easy steps!
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Let Our Team Help You Out
Lower premiums don’t have to mean less coverage. You just need a trusted agent serving Chattanooga, Tennessee who knows where to look.
Contact Your Insurance Broker For More Information and Get Resources That Matter
Our Verified Client Reviews
Our Carrier Partners
That allows us to find the best rates for your personal and business needs in Chattanooga, TN
Getting Started with Personalized Insurance Services by The Allen Thomas Group in Chattanooga
Ready to get started?
Request a quote online by clicking the button below or over the phone, by calling (440) 826-3676.
We’ll work with you to find the best coverage at the best price for your unique Chattanooga needs.
Already have insurance?
Take advantage of our free, no-obligation policy review to ensure you have the right coverage in Chattanooga.
We can identify any potential gaps or overlaps and recommend adjustments to better protect you and your assets.
Remember, we’re not just here to sell you a policy – we’re here to be your partner, your advocate, and your go-to source for all things insurance in Chattanooga.
From auto and home to life and business, we’ve got you covered.
Because at The Allen Thomas Group, we believe that everyone deserves to have peace of mind, no matter what life throws their way.
So let’s do this Chattanooga.
Let’s protect what matters most, together.
Zip codes We Serve In Chattanooga
37341 / 37343 / 37350 / 37351 / 37363 / 37377 / 37401 / 37402 / 37403 / 37404 / 37405 / 37406 / 37407 / 37408 / 37409 / 37410 / 37411 / 37412 / 37414 / 37415 / 37416 / 37419 / 37421 / 37422 / 37424 / 37450
People also ask
Frequently Asked Questions: From Claims to Coverage in Chattanooga
What factors like driving record, credit score, home age, and claims history affect my insurance rates in Chattanooga?
Your insurance rates in Chattanooga are based on a variety of factors, including your driving record, credit score, home age, and claims history. We can help you understand how these factors impact your rates and find ways to save in Chattanooga.
Can I bundle my auto, home, renters, and umbrella policies for a discount in Chattanooga?
In most cases, yes! Bundling your policies like auto, home, renters, and umbrella with the same company in Chattanooga can often lead to significant discounts. We can help you find the best bundling options for your Chattanooga needs.
How often should I review my insurance policies in Chattanooga, especially after major life changes like marriage, new baby, or home purchase?
We recommend reviewing your insurance policies at least once a year, or whenever you experience a major life change in Chattanooga like marriage, new baby, or home purchase. We can help you review your policies and make sure you have the coverage you need in Chattanooga.
How much auto, home, and life insurance coverage do I need in Chattanooga based on my assets, risks, and budget?
The amount of auto, home, and life insurance coverage you need in Chattanooga depends on a variety of factors, including the value of your assets, your risk tolerance, and your budget. We can help you assess your needs and find the right balance of coverage and cost.
