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Experience Insurance With a Human Touch

Ensuring the protection and peace of mind of each and every client is our focus.

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8 Offices Serving East Tennessee and Kentucky

Get in touch with one of our offices today for local, personalized service you can trust.

Lenoir City, TN
Athens, TN
Oak Ridge, TN
Franklin, TN
Morristown, TN
Rogersville, TN
Lexington, TN
Glasgow, KY
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Carriage Hill Insurance

Learn more about our agency.

When it comes to insurance, we believe everyone deserves to have the peace of mind and protection they need to protect what matters most. Because here at Carriage Hill Insurance, we truly care about you and are here for you. That’s why we take a human approach to insurance, going the extra mile to ensure you have the coverage that is accessible, affordable, and the right fit for your needs.

Founded in 1984, Carriage Hill Insurance has grown over the years to eight offices, serving all of East Tennessee with a commitment to our clients and the communities we serve. With over 20 friendly and helpful team members and over 300 years of combined insurance experience, you can count on us to provide insurance services and solutions above and beyond your expectations.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to Carriage Hill Insurance.

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Real clients. Real reviews. Real coverage.

“If you’re looking for the right fit, these guys are amazing. They treat you with respect. Looking forward to working with you for years to come.”

– Jonathan Womack

The Solution To Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Carriage Hill Insurance does best.

Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
Employee Benefits
Coverage that can help attract, retain, and protect your team.


Carriage Hill Insurance + Safeco Insurance

We aspire to Safeco’s commitment to the communities we serve and being there for each and every client.

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What Makes Our Independent Agency Different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.

What Makes Carriage Hill Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

Community Focused

We help families and businesses throughout the communities we serve, playing a vital role in the lives of those we serve.

Coverage For Everyone

Our goal is to ensure everyone gets the protection and peace of mind they deserve, no matter their situation or budget needs.

Humanitarian Principles

Being there for every client with the emotional and financial support they need during the claims process is what we do best.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Uninsured / Underinsured Boater
Risk Factor

What happens when someone operating their personal watercraft hits you and doesn’t have enough liability insurance to cover the damage or cost of injuries? If the other party cannot pay, you could be left incurring out of pocket expenses.


Uninsured/underinsured boater insurance coverage may pay for damage if you are in a boating accident with another boater who has no insurance or does not have adequate insurance. This coverage can pay for physical or bodily injury damages.

Towing and Assistance
Risk Factor

If your boat breaks down or runs out of fuel while you’re out on the water, you may need to have it towed or to have fuel brought to you.


Towing and assistance coverage can help cover expenses associated with assistance in the event your boat breaks down, needs to be towed, or needs to be refueled.

Personal Property and Unattached Equipment
Risk Factor

Your boat or watercraft likely holds personal items and various types of equipment including fishing gear, safety equipment, water skis, deck chairs, and other items. If such items are stolen from your boat, they can be quite costly to replace.


Personal property and unattached equipment insurance can pay for personal property that you leave in your boat in the event it is stolen.

Pollution / Fuel Spill Liability Coverage
Risk Factor

In the event of a collision or salvage operation, it’s possible that your boat or watercraft could leak or spill fuel into the water. You can be held liable for the damage you cause or are responsible for in such situations.


Pollution and fuel spill liability coverage provides protection if you are held responsible for a fuel leak or spill. This policy can pay for costs associated with cleanup and restoration.

Recovery and Salvage
Risk Factor

Some collisions and accidents are so severe, your vessel may need to be recovered from the water. In other cases, it’s possible a vessel could sink.


Recovery and salvage insurance provides funds to help recover your watercraft in the event of a collision or if your vessel were to sink.

Hurricane Haul Out
Risk Factor

If you live in an area prone to hurricanes, you may opt to haul your boat out of the water or have it moved if a named storm is headed your way.


In the event you decide to haul your boat out during a hurricane, this coverage will pay for the cost of the emergency haul out. It can also cover costs associated with moving the boat to a safer harbor. Coverage generally includes fees for marina professionals and their services, captains, and dock masters.

Umbrella / Excess Liability
Risk Factor

You invite guests on to your boat and someone falls off, becoming permanently injured. They hire a lawyer and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current boat policy and providing real financial value as well as peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as a separate coverage.

Property Damage Liability
Risk Factor

Regardless of whether your watercraft is operated on a lake, river, bay, or ocean, there is always the risk of causing damage to someone else’s property. For example, you could be trying to dock your boat on a windy day when you hit against another boat or the dock and cause damage.


Property damage liability coverage protects you if your watercraft damages someone else’s property such as a boat or watercraft, a dock, or pilings. Damage could easily reach in the tens of thousands, and without the proper level of insurance, you can be left financially ruined if found at fault.

Physical Damage
Risk Factor

If your watercraft is damaged in an accident with another vessel or a collision with a dock, rock, or submerged object, the expenses associated with repair or replacement could be substantial. Your boat could also be damaged due to vandalism, explosions or fire, weather-related causes, or falling objects.


Physical damage coverage has two parts: collision (when your vessel collides with another vessel or object) and comprehensive (when your vessel is damaged due to vandalism and weather or is stolen). This coverage usually carries a deductible that you are responsible to pay before the policy begins to pay.

Agreed Value vs. Actual Cash Value
Risk Factor

Boats and watercraft can vary widely in price and value. If a loss occurs, the type of insurance policy you have can make a great deal of difference when it comes to the amount the insurance company will pay.


Because boats depreciate in value over time, the amount they are worth can be quite different than the amount it would cost to replace it. Agreed value refers to an amount agreed upon between the policyholder and the insurance company. In the case of a loss, the policy will pay the agreed value of the vessel, even if it has depreciated in value since the policy was written. Actual value refers to the value of the vessel at the time of the loss, which could leave the boat owner to pay the difference between what the insurance company will pay and the cost of a new boat.

Watercraft Insurance 101

Make sure you cover the unique risks you face with watercraft insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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