Insurance Agency Serving Lenoir City, TN

Elite Insurance Group is a family-owned independent agency serving Lenoir City, Loudon, Tellico Village and the rest of Loudon County. We work with more than 30 insurance companies, so we can match a lakefront home, a retiree's long-term care plan or a growing small business with a company that wants to insure it.

Insurance for Loudon County life

Life in Loudon County centers on Fort Loudoun and Tellico lakes, a large retirement community, and fast-growing neighborhoods along the US-321 and I-75 corridors. That mix brings a few questions we hear again and again:

  • Lake homes and docks: homeowners policies treat docks, boathouses and seawalls very differently, and some exclude storm or ice damage to them. We check the wording before you need it. See lake home and boat insurance.
  • Flood: standard homeowners policies exclude flood, and flood policies often have a 30-day waiting period. Waterfront and low-lying homes should price it, even outside a mapped flood zone.
  • Boats and watercraft: pontoons, ski boats and personal watercraft usually need their own policy, with liability for the people on board and on the water around you.
  • Retirees in Tellico Village: long-term care, life insurance and annuities, plus golf cart and umbrella liability.
  • New construction: dwelling coverage set to rebuild cost and proof of insurance to your lender before closing.
  • Local businesses: marinas, restaurants, contractors and retail along Highway 321 and in downtown Lenoir City and Loudon.

Buying on a TVA lake?

On TVA lakes, docks and shoreline structures need a TVA Section 26a permit, and TVA says permits don't transfer automatically when a property sells. New owners apply for their own within 60 days of closing. Ask your realtor for the current permit, and tell us what's on the shoreline so it's insured correctly.

Coverage we write in Loudon County

How it works

  1. Tell us what you have. Start a quote online, call, or send a photo of your current declarations page.
  2. We ask the questions that matter. Roof year, updates, drivers, how the property is used. The answers decide which company fits and which discounts apply.
  3. You get a recommendation, not a stack of quotes. We show you the coverage, the gaps we found and the price, and explain the trade-offs.
  4. We stay with you. Policy changes, certificates and claims go through our local team. Requests through our Client Service page reach us any time.

Why East Tennessee clients choose Elite Insurance Group

  • The right market: we work with more than 30 insurance companies across personal, business, bonds and excess and surplus lines, so we can place hard-to-fit risks, not only the easy ones.
  • A second look: a licensed agent checks your coverage for gaps before you buy: limits, deductibles, roof and water coverage, and easy-to-miss add-ons.
  • Rate checkups: when your life changes, we look for every discount you qualify for and update what matters, like a new roof year, a driver added or removed, or a move. No agency fees on top of your premium.
  • Claim-day help: we walk you through what to do next, help you report the claim and follow up if it stalls.
  • Local people: a family-owned Knoxville agency serving clients for more than 25 years. Requests sent through our Client Service page reach our team even on nights and weekends.

Frequently asked questions

Does homeowners insurance cover my boat dock?

Some homeowners policies cover docks as other structures, but limits and exclusions vary, especially for storm and ice damage. We review this when we quote a lake home.

Do I need a separate boat policy?

Usually yes. Homeowners policies offer little or no coverage for larger boats and motors, and no liability on the water. A boat policy covers both.

Do you serve Tellico Village?

Yes. We serve Tellico Village, Lenoir City, Loudon, Greenback, Philadelphia and the rest of Loudon County.

Is golf cart insurance separate in Tellico Village?

Often, yes. Some homeowners policies give golf carts limited coverage on your own property only. If you drive one on community roads, ask us about a separate golf cart policy or endorsement.

Do I need flood insurance near Fort Loudoun Lake?

If your home is near the water or in a low spot, it's worth pricing even if your lender doesn't require it. Homeowners policies exclude flood, and flood policies usually have a 30-day waiting period.

Related coverage

Lake home & boat insurance · Long-term care · Farragut · Areas we serve

Get a quote

Tell us what you need and a licensed local agent will follow up. Start your insurance quote or call (865) 687-5140, Monday to Friday, 9 to 5.