Voted Best Insurance Agency in Knoxville, TN

High
Client Retention

Free
Estimates

All Your
Insurance Needs

Friendly Customer Experience

Knoxville TN Insurance Agency About Image

OPTIONS OFFERED BY INSURANCE COMPANIES IN KNOXVILLE TENNESSEE

We can provide you with insurace policy options that offer repairs to damages done to your home due to covered incidents, as well as replacing household contents and lost personal effects. We also offer options that can provide you with temporary housing while repairs or rebuilding is ongoing. At Southern Capital Insurance, we’ve got you covered.

PROPERTY INSURANCE AGENCY KNOXVILLE TN

Southern Capital Insurance Knoxville, Tennesee can help you get signed to property insurance policies that pay out money to the owner or renter of a structure and its contents in the event of damage or theft and to someone who is not the owner or renter, but is harmed on the property. A homeowners or renters policy will typically cover personal property. +

State of Tennessee 

Tennessee is a landlocked state in the U.S. South. Its capital, centrally located Nashville, is the heart of the country-music scene, with the long-running Grand Ole Opry, the Country Music Hall of Fame and Museum and a legendary stretch of honky-tonks and dance halls. Memphis, in the far southwest, is the home of Elvis Presley’s Graceland, rock-and-roll pioneering Sun Studio and the blues clubs of Beale Street.

 

Knoxville City in Tennessee 


Knoxville is a city on the Tennessee River in eastern Tennessee. Downtown, the Market Square district has 19th-century buildings with shops and restaurants. The Museum of East Tennessee History has interactive exhibits plus regional art, textiles and Civil War artifacts. James White’s Fort, built by the Revolutionary War captain, includes the reconstructed 1786 log cabin that was Knoxville’s first permanent building.

 

Area code: 865


Top Sights: Zoo Knoxville, Knoxville Museum of Art, Ijams Nature Center

 

Health-Care Insurance While you’re looking for a long-term solution, For a number of years, you will be covered by health insurance.

Short-term health insurance, insured by Golden Rule Insurance Company in Knoxville, Tennessee, provides coverage for preventive care, doctor visits, and medications.

Apply once for insurance coverage terms of one day less than three years through Insurance agents Knoxville Tennessee. On most plans, the lifetime maximum benefit per covered person is $2 million in insurance agency Knoxville TN.

Insurance for Hospitals and Doctors

Health Protector Guard fixed indemnity insurance, provided by Insurance Companies in Knoxville Tennessee, can supplement your major medical plan by paying cash for eligible, approved medical services such as doctor visits, urgent care visits, or surgical procedures.

There are no deductibles or copays to cover initially. Benefits are paid regardless of whether or not you have other insurance. Money to cover expenses not covered by major health-care programs, such as deductibles.

Accident and Critical Illness Insurance is a type of insurance provided by insurance agents Knoxville TN t that protects you in the event of an accident

Accidental injuries and serious illnesses can strike at any time. Those unexpected expenses can strain any budget. Accident and critical illness insurance can assist by providing financial benefits in the event of covered injuries or illnesses for insurance agency Knoxville TN.

Insurance Statistics from Insurance Agency Knoxville TN

Ninety percent of Tennesseans have health insurance in 2018, with the majority of those having private coverage Insurance Agent Knoxville Tennessee. TennCare (the state’s Medicaid program) was the second-largest coverage group, with more than one in five people receiving coverage – a proportion that varied across the state. Different age groups, on the other hand, rely on each other through Insurance Companies in Knoxville Tennessee.

Youngsters under the age of 19: Nearly half of Tennessee’s children are covered by private job-based insurance, with TennCare accounting for 43%. Children must reside in a home with an income of less than 250 percent of poverty to be eligible for TennCare, the highest income criterion of any eligibility group. Non-Elderly Individuals 19-64: An employer provides private coverage to more than 60% of non-elderly adults. They are also more likely than other age groups to be uninsured. This is a fact insurance agency Knoxville Tennessee. There are good insurance companies in Knoxville TN.

Adults 65 and Up: Medicare, the federally sponsored health insurance program for those 65 and up, is enrolled by nearly all seniors. Most seniors have additional insurance to cover expenditures not covered by Medicare, such as private policies from a prior employment or individual Medicare supplement (or Medigap) plans.

What to Think About When Looking for Low-Cost Healthcare for insurance agents Knoxville, TN

When choosing a health insurance plan, it’s tempting to go for the cheapest monthly pricing, but there are a few factors to consider first. Take a step back and evaluate your and your family’s health-care needs as a whole, so you don’t end up paying more in the future. If you’re contemplating ACA plans, look into annual prices and premiums, metal categories, health savings account (HSA) or flexible spending account (FSA) possibilities, and out-of-pocket expenditures. Premiums and Annual Costs

When buying insurance, the first thing you’ll probably notice is the annual cost, which is the total of your monthly payments. “The premium—the amount you pay every month for coverage, which may be subsidized by your employer or the government,” says Insurance Agents Knoxville Tn.

What to Consider When Searching for Affordable Healthcare

Metal Classifications

Insurance companies in Knoxville TN plans are divided into four “metal” categories in the insurance marketplace, indicating how expenses are allocated between you and your Insurance Agents.

Premiums and Annual Costs        

Bronze: You pay the lowest monthly premium, but you also have a high deductible, which means that when you need medical attention, your costs will be higher because it will take longer to reach your deductible. If you only need coverage for worst-case events, this metal plan is excellent. Your health insurance agency Knoxville TN covers 60% of your medical expenses, while you are responsible for the remaining 40%. Check out the insurance companies in Knoxville, TN.

Silver: This plan has a slightly higher monthly premium than bronze, but your out-of-pocket payments are lower. Your health insurance covers 70% of your medical expenses, while you are responsible for 30%. This is covered by insurance agency Knoxville TN

Consider a gold plan if you see your doctor frequently or require medical attention. A gold plan has a higher monthly premium but lower point-of-care expenses. Your health insurance covers 80% of the cost, while you are responsible for the remaining 20%Platinum: This plan has the highest monthly premium in Insurance Agency Knoxville TN, so if you require care frequently, you may rest assured that the majority of your care will be covered with minimum point-of-care expenses.

HSA vs. FSA: What’s the Difference?

You can save pre-tax money in a health-specific savings account to lower your overall health-care costs using a health savings account (HSA). You can then utilize these money to pay for deductibles, copays, coinsurance, and eligible medical expenses with an attached debit card. A health savings account (HSA) cannot be used to pay monthly health insurance premiums.

You can keep an HSA regardless of your job situation, and after you reach the age of 65, you can use it like a retirement account, withdrawing cash as needed without penalty. Only high-deductible health plans are eligible for HSAs. Each year, the federal government determines what constitutes a high deductible. The minimal deductible for an HSA, as well as the savings account’s maximum benefit, can be found here. When purchasing, seek for a “HSA eligible” label if an HSA is important to you. Medicare and Tricare plans do not qualify for HSAs.

A flexible spending account (FSA), on the other hand, is a similar benefit that comes with your employer’s health insurance policies. When you want to use the funds for approved medical expenses, you use a paired debit card to fund your FSA with pre-tax monies from your paycheck. One disadvantage of FSAs is that the money you save is unlikely to carry over from year to year. In other words, you lose it if you don’t utilize it by a specific date

It really is improbable that you’ll be eligible for both of these perks at the same time in an Insurance agency Knoxville TN.

Coverage Outside of the Network

In-network providers are often less expensive than out-of-network providers. If you go out of network to see a preferred provider or visit a recommended facility, keep in mind that they don’t have a contract with your health insurance plan provider and will most likely charge you more—sometimes even full amount.

Choose a plan that includes your chosen Insurance Agency Knoxville TN in its network or a plan that is more forgiving and flexible when it comes to out-of-network coverage to keep expenses down. These are plans in insurance companies in Knoxville TN.

Maximum Out-of-Pocket

This is the maximum amount you could pay for health-care services in a single year. This limit includes your deductible, copays, and coinsurance for all in-network treatments. Your out-of-pocket maximum is not affected by monthly premiums, payments for services not covered, or out-of-network visit charges.

Once you’ve reached your annual maximum, your health insurance plan kicks in to cover all of your expenses for the rest of the year. So, if you’re looking for the cheapest health-care plan, pay special attention to the out-of-pocket maximum and how much it might be able to help you. 

Where Can I Get Help?

It can be difficult to choose a health insurance plan, but you don’t have to go it alone. There are a few options for obtaining expert assistance.

If you’re choosing your own individual or family plan, contact the Marketplace Call Center for Insurance Companies in Knoxville, TN for answers to your questions and help with enrolling.

Ask your human resources department if they can assist you with Insurance Agents Knoxville Tennessee if you’re choosing a plan via your employer. Great plans can be found in insurance companies in Knoxville TN. 

If HR is unable to assist you, ask them to refer you to an insurance agent or broker who can walk you through the process from beginning to end. You can also find an agent or broker yourself by searching for local organizations within your state or ZIP code.

Southern Capital Insurance: Knoxville Insurance Brokerage

Who Are We?

Southern Capital Insurance is a company of risk management consultants, life and general insurance brokers, and claims package professionals who are appropriately qualified and accredited. We are a larger, more diverse company with good corporate governance. We have world-class risk management procedures in place, as well as strong commercial partnerships with renowned Knoxville, TN insurance firms, to ensure that our clients’ insurance arrangements are competitive and efficient. We are in a strong position to ensure that our clients’ Knoxville Insurance claims are handled fairly and quickly.

Knoxville TN Insurance Agency Top Sights

What Do We Do?

We offer insurance brokerage services in Knoxville designed to assist you in accumulating money and protecting your assets. We want to be your top insurance company in Knoxville, TN, whether you’re an individual or a business, providing the coverage you need to protect and maintain what matters most to you. Insurance is an important investment in your future, so it makes sense to go with an insurer that specializes in your needs.

How Do We Do What We Do?

As one of the best insurance companies in Knoxville, Tennessee, we ensure to regularly assess our clients’ needs and provide solutions that satisfy those needs, as well as the clients’ financial situation. By arranging meetings, reviewing the existing plans and policies, and creating and comparing our client’s goals and plans, our Knoxville brokers are able to properly understand our customers’ needs and how to meet them over time. 

Who Is An Insurance Broker?

An insurance broker is a professional who assists insurance seekers in their search for the most appropriate insurance coverage suited to their specific conditions. It is important for brokers to work in tandem with their clients in order to fully grasp their needs..

Our Knoxville insurance brokers are knowledgeable about many available insurance options as well as risk management. They offer insurance services in Knoxville that assist individuals and organizations in obtaining insurance best suited for your homes, businesses, and families.

An insurance broker might specialize in a certain insurance option, or they may offer advice on a wide range of policies. They assist their consumers in locating and choosing what option is best suited to them.

What Is The Role Of An Insurance Broker?

Here in the U.S, Brokers are governed by the laws and requirements of the states they operate in. To operate legally, most brokers are required to obtain a license, which requires them to complete courses and pass a test. The rules and regulations for broker licensing differ from state to state, and in a majority of the states in the country, brokers are required to take further education to retain their license.… read more

Our Knoxville brokers have obtained a great amount of insurance expertise through these educational pursuits and field experience. They are very well-versed in the many insurance types and options, and also on how to handle the claims of each type. Our Knoxville insurance brokers, for example, are able to properly orientate a client on what kinds of hazards are covered by a homeowner’s insurance policy and the ones that are not (some of which include damage due to negligence, done on purpose, loss due to theft, and acts of God).

Clients may make better decisions about what insurance service in Knoxville suits their needs and the extent of coverage to get with this information. This is what a broker’s job is all about: assisting customers in understanding their liabilities and how to properly mitigate risks by using insurance. Then they assist their clients in evaluating a variety of insurance types to determine which best suits them.
hide-

The Benefits of Working with a Knoxville Insurance Broker

Employing the services of our Knoxville insurance brokers is usually a better option for most consumers and company owners than choosing by themselves or buying via an agent. One of the benefits is that it is the best way to help save your time and conserve your budget while also providing significantly more advantageous insurance coverage.… read more

Brokers are frequently able to help their clients get better deals on insurance than they would get if they purchased individually. This is because  insurance companies in Knoxville, Tennessee recognize that brokers are equipped to provide insurance seekers with the information to guide them to the appropriate plans and coverage levels.

Policyholders who employ brokers are not as likely to file frivolous claims or be underinsured, which saves money for insurance companies. As a result, the corporations normally provide unique broker pricing, allowing broker clients to take advantage of lower-cost solutions. And although agents might also receive special discounts, they are representing the insurance provider, not you.

Our Knoxville insurance brokers can provide our clients with a variety of quotations from various insurers, allowing them to choose the best solution to suit their required coverage. Clients who use brokers often save money since they have the flexibility to browse for the optimal prices offered by a variety of carriers.

Working with a broker also makes the insurance selection process much easier. There are numerous insurance options available, each with its own set of restrictions and exclusions. It might be tough for seekers to choose which option and coverage level are appropriate for them or their company. Our Knoxville insurance brokers can assist seekers in this situation.

A broker can examine the risks and associated liabilities by employing their experience in the sector to decide exactly what extent of coverage you require. Our brokers can help make it straightforward to examine different possibilities and determine which plans would best suit your needs by using a number of technology-based tools. Working with a broker relieves you of the stressful responsibility of learning about many forms of insurance available in Knoxville, TN and simplifies the process of determining which policy is suited to you

Working with a broker also provides you peace of mind by ensuring that you are appropriately covered for most (if not all) potential liabilities. An insurance broker is equipped to help you handle any of your worries and design a complete insurance plan to cover all of your concerns

Whatever needs you’re in the Knoxville insurance market for, a broker can assist you in figuring out what you need and which policies are best for your needs. In choosing to work with a broker, you can rest confident that when it comes to searching for insurance plans, your broker is looking out for your best interests. hide-

Insurance Solutions we provide

Personal Insurance

The Personal Insurance policies we can connect you to will cover individuals on injuries, damaged personal properties, and insures individual life.

Business Insurance

Southern Capital Insurance wide range of services are designed to meet your unique needs as a business and add value by minimizing risk and maximizing support.

Why Choose Southern Capital Insurance

High Client Retention

Southern Capital Insurance has both retail and corporate clients in various countries that rely on our expertise in financial coverage.

Free Estimates

We will give you a free estimate, no commitment insurance quote in the shortest possible time.

All Your Insurance Needs

Southern Capital Insurance delivers simple and flexible products that are backed by first class service delivery.

Friendly Customer Experience

We are dedicated to providing superior customer experience.

Frequently Asked Questions

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam lobortis risus in egestas fermentum. Etiam placerat justo a metus venenatis, eu gravida nibh mollis. Donec quis nunc quis sapien mollis pharetra. Ut hendrerit, lorem et faucibus porta, magna enim lobortis neque, sit amet posuere ligula lectus et lorem. Vestibulum sit amet felis ac tortor accumsan euismod. In ullamcorper enim non rhoncus accumsan. Nam vehicula a libero non consequat.

Nullam lobortis risus in egestas fermentum. Etiam placerat justo

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam lobortis risus in egestas fermentum. Etiam placerat justo a metus venenatis, eu gravida nibh mollis. Donec quis nunc quis sapien mollis pharetra. Ut hendrerit, lorem et faucibus porta, magna enim lobortis neque, sit amet posuere ligula lectus et lorem. Vestibulum sit amet felis ac tortor accumsan euismod. In ullamcorper enim non rhoncus accumsan. Nam vehicula a libero non consequat.

a metus venenatis, eu gravida nibh mollis. Donec

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam lobortis risus in egestas fermentum. Etiam placerat justo a metus venenatis, eu gravida nibh mollis. Donec quis nunc quis sapien mollis pharetra. Ut hendrerit, lorem et faucibus porta, magna enim lobortis neque, sit amet posuere ligula lectus et lorem. Vestibulum sit amet felis ac tortor accumsan euismod. In ullamcorper enim non rhoncus accumsan. Nam vehicula a libero non consequat.

quis nunc quis sapien mollis pharetra. Ut hendrerit, lorem et faucibus porta, magna enim

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam lobortis risus in egestas fermentum. Etiam placerat justo a metus venenatis, eu gravida nibh mollis. Donec quis nunc quis sapien mollis pharetra. Ut hendrerit, lorem et faucibus porta, magna enim lobortis neque, sit amet posuere ligula lectus et lorem. Vestibulum sit amet felis ac tortor accumsan euismod. In ullamcorper enim non rhoncus accumsan. Nam vehicula a libero non consequat.

lobortis neque, sit amet posuere ligula lectus et lorem. Vestibulum

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nullam lobortis risus in egestas fermentum. Etiam placerat justo a metus venenatis, eu gravida nibh mollis. Donec quis nunc quis sapien mollis pharetra. Ut hendrerit, lorem et faucibus porta, magna enim lobortis neque, sit amet posuere ligula lectus et lorem. Vestibulum sit amet felis ac tortor accumsan euismod. In ullamcorper enim non rhoncus accumsan. Nam vehicula a libero non consequat.

What Our Customers Say

George W.
Read More
Southern Capital Insurance is an outstanding company with friendly customer service agents. I am so happy with my new policy, the best decision I have ever made for myself and my family.
Johnson T.
Read More
I cannot speak highly enough about Southern Capital Insurance. I have nothing but good things to say about their service and rates. I can't believe they were able to keep my rates this low while still offering the best customer service and coverage. Southern Capital is an insurance company that you can trust with your family's safety!
Jennifer K.
Read More
I cannot imagine how I would be able to run my business without Southern Capital Insurance. His level of expertise and experience makes him one of the few insurance brokers I trust. He is quick to respond, professional, and always gets me the best price for my insurance.
Previous
Next

Meet The Owner

Our CEO’s vision is to build an insurance company that will serve the interest of everyone and promptly respond to losses.

One of the major factors that has kept Southern Capital Insurance running is the strategical thinking of Carson Grimac.

Carson Grimac

Southern Capital Insurance, Owner

Our CEO’s vision is to build an insurance company that will serve the interest of everyone and promptly respond to losses.

One of the major factors that has kept Southern Capital Insurance running is the strategical thinking of Carson Grimac.

Carson Grimac

Southern Capital Insurance, Owner

Recent Article

Get an Insurance Quote Today!