Insurance for Sevier County Cabins, Homes and Businesses

Elite Insurance Group insures cabins, short-term rentals, homes and tourism businesses across Sevier County, including Sevierville, Pigeon Forge, Gatlinburg, Wears Valley, Seymour and Kodak. We're a family-owned independent agency in Knoxville working with more than 30 insurance companies, including specialty markets that understand mountain properties and rental income.

Risks we plan for in Sevier County

  • Short-term rentals: a short-term rental or cabin policy with guest liability and lost rental income. Host protection programs from booking platforms are not a replacement for your own policy.
  • Wildfire: the 2016 Gatlinburg fires made the risk clear for wooded properties. Check that dwelling coverage matches today's rebuild cost and that you understand any wildfire-related rules on your policy.
  • Wind, trees and steep lots: wind and hail deductibles, tree removal limits and retaining walls all matter on mountain property
  • Guest liability: hot tubs, decks, game rooms, fire pits and steep driveways. Many owners add an umbrella policy on top.
  • Flood: cabins near the Little Pigeon River and other creeks should price flood coverage, which standard policies exclude
  • Tourism businesses: restaurants, attractions, retail stores and property managers, including liquor liability and workers' comp

Buying a cabin to rent?

Talk to us before you close. Rental history, the number of bedrooms and guests, the hot tub, the driveway and the property manager's contract all affect which companies will write it. Getting coverage lined up early keeps your closing on schedule.

Coverage we write in Sevier 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

What insurance does a Sevier County rental cabin need?

Most cabins need a short-term rental or dwelling policy covering the structure and contents, guest liability, loss of rental income and often flood coverage. Review wildfire and wind deductibles carefully.

Can you insure a cabin I rent on Airbnb or VRBO?

Yes. We write cabins rented through Airbnb, VRBO and local property managers.

Is Airbnb's host protection enough for my cabin?

Usually not on its own. Platform programs have limits and conditions and don't replace a policy written for a rental property. Your own policy should cover the building, contents, liability and lost income.

Do you insure businesses in Pigeon Forge and Gatlinburg?

Yes. We write general liability, property, liquor liability, workers' comp and commercial auto for tourism-area businesses.

Do you insure homes people live in full time in Sevier County?

Yes. We write homeowners, auto and life insurance for families in Sevierville, Seymour, Kodak and across the county, not only rental cabins.

Related coverage

Cabin & Airbnb insurance · Restaurant insurance · Maryville · 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.