Tennessee
Insurance in Tennessee
Get a QuoteCar Insurance in Tennessee
Auto insurance is mandatory for all drivers in the state of Tennessee. The state requires all drivers to have liability insurance, which covers damages or injuries that you may cause to another person or their property while operating your vehicle. The minimum liability limits in Tennessee are 25/50/25, which means that a driver must have coverage of at least $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage. In addition to liability insurance, drivers in Tennessee may also choose to purchase additional coverage options such as collision, comprehensive, and personal injury protection.

Home Insurance in Tennessee
Homeowners in the state of Tennessee are not legally required to have home insurance, but it is strongly recommended as it provides financial protection for your home and possessions in case of unexpected events such as natural disasters, fires, and theft. Additionally, if you have a mortgage it is contractually required to have a homeowners insurance policy to not only protect you, but to protect your lender from losses as a result of any damages. Home insurance policies in Tennessee typically include coverage for the structure of your home, your personal property, and liability protection in case someone is injured on your property. There are several types of home insurance policies available in Tennessee, including standard, broad, and special form. Standard policies provide coverage for the most common types of damage, while broad and special form policies offer more comprehensive coverage and are typically more expensive. Also, home insurance policies may exclude coverage for certain types of damage, like earthquakes, floods or tornados, so it's important to review the policy closely and consider purchasing additional endorsements for coverage or even separate policies for those types of damages, if you live in an area that is more prone to those hazards.
Commercial Insurance in Tennessee
Commercial insurance is an important consideration for businesses in the state of Tennessee, as it provides financial protection against a wide range of risks that companies may face. In Tennessee, businesses can purchase various types of commercial insurance policies, such as property insurance, liability insurance, workers' compensation insurance, and commercial auto insurance.
Property insurance covers damage to a business's physical assets, such as buildings, equipment, and inventory. Liability insurance, on the other hand, provides coverage for legal and financial damages that a business may incur if it's found responsible for causing bodily injury or property damage to a third party. Workers' compensation insurance is mandatory for employers in Tennessee, which provide coverage for medical expenses and lost wages for employees who are injured or become ill as a result of their work. Lastly, commercial auto insurance provides coverage for vehicles used for business purposes and liability coverage in case a business vehicle is involved in an accident.
It's important to note that different types of businesses in Tennessee have different insurance needs, and coverage may vary widely depending on the specific type of business and the industry it belongs. Additionally, the cost of commercial insurance can vary greatly depending on the size and type of business, its location, and the specific coverage needs. Our insurance experts are here to advise you how to find the best policy to fit your needs and budget.
Our Coverage
Our experienced agents are able to find you the best policies to fit your needs, and make sure you are covered. Within our wide range of policies, you can choose to bundle policies to save money. We cover:
- Auto Insurance
- Boating Insurance
- Classic Car Insurance
- Home Insurance
- Life Insurance
- Motorcycle Insurance
- Renters Insurance
- RV Insurance
- Umbrella Insurance
- Auto Dealers Insurance
- Business Liability Insurance
- Commercial Auto Insurance
- Commercial Property Insurance
- Contractors Insurance
- Cyber Liability Insurance
- Errors and Omissions Insurance
- Farm and Ranch Insurance
- Landlord Liability Insurance
- Liquor Liability Insurance
- Restaurant Insurance
- Workers Compensation Insurance
What Makes Us Different
At St. Croix Valley Insurance, we pride ourselves on being different from the rest. We understand that insurance can be a complex and overwhelming subject, which is why we make it our mission to make the process as simple and straightforward as possible for our customers. Our team of experienced agents is dedicated to providing personalized service and tailored coverage options to fit your specific needs. Plus, our competitive rates and various discounts ensure that you are getting the best value for your money. At our company, you can trust that we are always looking out for your best interests.
From Memphis to Knoxville and Nashville to Chattanooga, were are here to help provide you with the best insurance policy for your needs. Our experienced agents are here to make sure you're covered. Give us a call at 715-386-5353.