The top-rated condo insurance agent in Oak Ridge, Tennessee is Bradley Roberts: Allstate Insurance, rated 4.8 stars across 277 reviews. Other highly rated options include Mike Massaglia - State Farm Insurance Agent, Josh Hemphill - State Farm Insurance Agent, Laura Lynn Green - State Farm Insurance Agent. This directory lists 13 condo insurance agents serving Oak Ridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bradley Roberts: Allstate Insurance | 106 S Illinois Ave | (865) 482-9596 |
| 2 | Mike Massaglia - State Farm Insurance Agent | 108 S Illinois Ave | (865) 425-7750 |
| 3 | Josh Hemphill - State Farm Insurance Agent | 574 Oak Ridge Turnpike | (865) 512-7542 |
| 4 | Laura Lynn Green - State Farm Insurance Agent | 136 Marquette Rd | (865) 483-5666 |
| 5 | Farm Bureau Insurance | 1574 Oak Ridge Turnpike | (865) 482-5666 |
| 6 | Madison Insurance Group, Inc. | 795 Main St W Suite 200 | (865) 425-7300 |
| 7 | Thompson Insurance Group | 697 Emory Valley Rd E | (865) 685-5069 |
| 8 | Fox Insurance Group | 110 S Illinois Ave | (865) 482-0513 |
| 9 | Herron-Connell Insurance | 665A Emory Valley Rd | (865) 483-8483 |
| 10 | Assurance Center | 681C Emory Valley Rd | (423) 380-0924 |
Bradley Roberts: Allstate Insurance serves the Oak Ridge, Tennessee area, offering condo insurance agent services to local residents. As a provider in this category, it helps condominium owners secure coverage tailored to their specific housing needs. Policies typically address interior structures, personal property, and liability protection. Additionally, the agency assists with understanding master policy gaps and obtaining loss assessment coverage, which is commonly needed in this region.
Mike Massaglia - State Farm Insurance Agent in Oak Ridge, TN, offers a full range of condo insurance services, including coverage for personal property, liability protection, and loss of use. Comprehensive service plans are available to help clients review their policies annually and adjust deductibles as needed to keep pace with changing property values. The agency provides tailored solutions for single-family homes, apartments, retail spaces, and restaurants.
Josh Hemphill - State Farm Insurance Agent in Farragut, TN, provides a range of condo insurance services, including coverage for personal property, liability, and loss of use. The agency helps clients assess their specific needs and offers ongoing service plans to review and update policies as circumstances change. It services a variety of properties, such as single-family homes, apartments, retail spaces, and restaurants.
Laura Lynn Green, a State Farm Insurance agent in Oak Ridge, Tennessee, serves local homeowners, business owners, and property managers by offering condo insurance policies tailored to protect individual units and common areas. She helps clients understand coverage for personal property, liability, and structural damage within their condominium associations. Her agency provides guidance on policy options and claims support for residents throughout Oak Ridge. This service area also extends to the neighboring community of Clinton, ensuring accessible insurance solutions for condominium owners in surrounding Anderson County locations.
Farm Bureau Insurance serves the Oak Ridge, Tennessee area and surrounding communities as a Condo Insurance Agent. The agency provides personalized coverage solutions tailored to meet the specific needs of condominium owners in this region. Policies typically address interior structural coverage, personal property protection, and loss assessment liability. Clients can obtain policies designed to complement their homeowners association master plan. A knowledgeable agent assists with key coverages for water damage and personal liability within the condo.
Madison Insurance Group, Inc. serves condo owners in Oak Ridge, Tennessee and the surrounding communities. It handles a full range of insurance policies for individual condominium units and their shared building structures. The agency matches these policies to each property’s specific rules and location. For a typical job, the agent reviews the unit owner’s current coverage gaps, compares options from multiple carriers, and then recommends a policy that fills those gaps while staying within the owner’s budget.
Thompson Insurance Group specializes in insuring condominium properties in Oak Ridge, Tennessee. It works closely with condo owners to secure tailored coverage that protects their individual units and personal belongings. The company navigates the specific master policy requirements and by laws common to area homeowners associations. In northeastern Tennessee, it helps clients address seasonal concerns such as ice dam damage from winter storms or wind damage from spring thunderstorms that can affect condo roofs and windows.
Fox Insurance Group in Oak Ridge, TN offers condo insurance through both one-time policy purchases and ongoing coverage plans. The difference between these options allows clients to secure protection for personal property and liability, with the recurring service ensuring continuous adjustment of policy limits to match local building cost changes. Coverage typically includes interior structures, personal belongings, and loss-of-use accommodation. Their service operates on either a one-time, scheduled, or as-needed basis depending on the policy plan selected by the client.
As the Tennessee Valley experiences its typical spring storm season, Herron-Connell Insurance in Oak Ridge, TN, provides tailored protection for local condo owners navigating the area's specific weather and homeowners association guidelines. They focus on policies that cover the building's interior structures and personal liability, addressing gaps left by standard master policies. The process begins with a thorough on-site inspection of the unit to assess current coverage needs and recommend appropriate policy adjustments.
Assurance Center provides condo insurance guidance to property owners in Oak Ridge, Tennessee, helping them navigate coverage for individual units within multi-family buildings. The agency can add endorsements for specific personal property protection and liability needs common to condominium living. Its client base includes private owners, investor-held units, and rental properties. The company also serves commercial sectors such as office complexes, warehouses, and food service establishments, adapting policies to meet their unique operational risks.
What Does a a Condo Insurance Agent in Oak Ridge Cost?
Typical condo insurance premiums in Tennessee range from 200 to 600 dollars per year for a standard HO-6 policy. Factors that affect cost include your deductible amount coverage limits location in Oak Ridge and claims history. Some policies add flood or earthquake coverage for extra premiums. This is general information not insurance advice.
About condo insurance agents in Oak Ridge
Condo insurance agents in Oak Ridge Tennessee help owners protect their unit with HO-6 policies. Tennessee law requires condo associations to maintain master policies but individual owners need coverage for interior fixtures and personal property. Local agents understand the specific risks in Anderson County and can guide you through Tennessee insurance regulations.
Frequently Asked Questions
What does a condo insurance agent in Oak Ridge do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property interior walls and liability. They explain how Tennessee law divides responsibility between your policy and the condo association master policy.
Is condo insurance required in Tennessee?
Tennessee does not state law require condo insurance but most lenders and condo associations require it. Your mortgage lender will typically demand an HO-6 policy to protect their investment in your unit.
How does Tennessee law affect condo insurance coverage?
Tennessee Code Annotated Title 66 Chapter 27 governs condominiums. The master policy covers common areas while your HO-6 covers interior improvements. Your agent can explain the legal distinction between unit boundaries and common elements.
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