Insurance for Chattanooga and Southeast Tennessee

Elite Insurance Group is a family-owned independent agency based in Knoxville, and we insure clients across Tennessee, including Chattanooga, Hamilton County and nearby Cleveland. We work with more than 30 insurance companies, so we can match a mountain home, a lake house on Chickamauga or a growing local business with a company that fits.

Insurance for Chattanooga-area homes, families and businesses

  • Mountain and ridge homes: Signal Mountain, Lookout Mountain and the ridges bring steep lots, retaining walls, long driveways and older construction. We check rebuild cost, tree damage and wind coverage.
  • Storms: the Easter 2020 tornadoes hit the Chattanooga area hard. Review your wind and hail deductible and make sure coverage keeps up with today's rebuilding costs.
  • River and lake property: homes, docks and boats on Chickamauga and Nickajack lakes and along the Tennessee River. Standard policies exclude flood. See lake home and boat insurance.
  • Growing suburbs: new construction in Ooltewah, Hixson, Collegedale and Cleveland, with proof of insurance to your lender before closing
  • Drivers: commuters on I-75, I-24 and US-27, teen drivers and umbrella liability for families
  • Businesses: manufacturers, contractors, trucking and logistics along the I-75 corridor, and restaurants, with workers' comp

How we work with clients outside Knoxville

Our office is in Knoxville, and most of our clients never need to visit it. Quotes, policy changes, certificates of insurance and claims all happen by phone, email and our online Client Service page. You get the same licensed agents, the same carriers and the same follow-through as a client down the street.

  1. Tell us what you have. Start a quote online or send a photo of your current declarations page.
  2. We ask the questions that matter. Roof year, updates, drivers, how the property or business is used.
  3. You get a recommendation, not a stack of quotes. We explain the coverage, the gaps we found and the price.
  4. We stay with you. Changes and claims go through the same team every time.

Coverage we write

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

Do you insure homes and cars in Chattanooga?

Yes. We're licensed in Tennessee and insure clients in Chattanooga, Ooltewah, Hixson, Signal Mountain, Lookout Mountain, East Ridge, Red Bank, Collegedale and Cleveland.

Do I need to visit your Knoxville office?

No. Quotes, policy changes, certificates and claims all happen by phone, email and our online Client Service page.

Do I need flood insurance near the Tennessee River?

If your home is near the river, a lake or a creek, a flood policy is worth pricing even if your lender doesn't require it. Homeowners policies exclude flood, and flood policies usually have a 30-day waiting period.

Can you insure a home on Signal Mountain or Lookout Mountain?

Yes. Tell us about the roof, the lot, any retaining walls and the year of major updates, and we'll match the home with a company comfortable with mountain property.

Can you insure my trucking or manufacturing business?

Yes. We write commercial auto, cargo, general liability, products liability, equipment breakdown and workers' comp for businesses across Tennessee.

Related coverage

Trucking & commercial auto · Lake home & boat insurance · Nashville & Middle Tennessee · Insurance questions

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.