ARI Agency Inc
1301 E Broadway St, Lenoir City, TN 37772
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Lenoir City households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1301 E Broadway St, Lenoir City, TN 37772
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1301 Broadway St E, Lenoir City, TN 37772
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600 Gladstone Rd, Lenoir City, TN 37771
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840 Highway 321 N, Lenoir City, TN 37771
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1500 Simpson Rd W, Lenoir City, TN 37771
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Learn about insurance coverage options specific to Lenoir City residents.
Everything Lenoir City residents need to know about auto, home, and flood insurance in Loudon County. Local rates, coverage tips, and agent info.
Car InsuranceLenoir City auto insurance guide for 2025. Learn Tennessee's 25/50/25 requirements, at-fault system, and why uninsured motorist coverage matters on I-75.
Tennessee's 25/50/25 minimum meets legal requirements, but most agents recommend higher limits like 100/300/100. Medical costs from serious accidents often exceed $25,000 per person, and you're personally liable for the difference. With growing traffic on I-75 and Highway 321, the extra protection is worth considering.
Standard homeowners policies don't cover flood damage. While TVA's Fort Loudoun and Tellico dams provide flood control, residents near Tellico Lake or the Tennessee River should evaluate their flood risk. Check if you're in a FEMA flood zone and consider the National Flood Insurance Program if you're at risk.
Tennessee homeowners insurance averages $3,045 per year, about 35% higher than the national average. Your specific cost depends on your home's age, location, construction type, and coverage choices. Get quotes from multiple carriers to find competitive rates for your situation.
Both options have merit. Local agents understand TVA area risks, Loudon County weather patterns, and can provide personalized service when you file claims. Online carriers sometimes offer lower rates. Get quotes from both, compare coverage details carefully, and choose based on the best combination of price, coverage, and service.
No, auto insurance doesn't cover watercraft, and homeowners policies provide only limited coverage for small boats. If you own a boat, jet ski, or pontoon, you need separate boat insurance or a watercraft endorsement on your homeowners policy to be properly protected.
Replacement cost coverage pays to rebuild or replace your home or belongings at today's prices without deducting depreciation. Actual cash value subtracts depreciation, giving you less money to rebuild. Replacement cost premiums are higher, but most financial advisors recommend it for adequate protection.
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