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Restaurants Insurance

Restaurant Insurance throughout Tennessee

Restaurant dining area finished in natural wood tones

It’s not always hospitable in the hospitality industry. Whether you own a restaurant, bar or catering service, exposure to risk is ever-present. Food can spoil; liquor can incite problems; property damage can interrupt business. Your operation is doing well. Protect it with Restaurant insurance.

Watauga Insurance, Inc.

Don’t let problems spoil your success. All restaurant and hospitality operations differ, but the friendly pros at Watauga Insurance in Johnson City, Tennessee know just what it takes to write a Restaurant insurance policy for your special needs. Give us call today.


 
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Earthquake Insurance

Earthquake Insurance in Tennessee

An illustrated ground contains cracks and collapses into the shape of a question mark

As natural disasters go, earthquakes are right up there. And if one of them destroys your home, that’s off the charts. You’ll have to rebuild; you’re still liable for the mortgage; and you’ll be living elsewhere while the digging and hammering are in full swing.

To sum up, when an earthquake hits, silver linings are scarce. But there’s an option you should consider – Earthquake insurance. If you’re anywhere near an earthquake prone area, it’s time to act – contact us today.

The Earthquake insurance professionals at Watauga Insurance in Johnson City, Tennessee will outline your protection options.


 
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Flood Insurance

Flood Insurance in Tennessee

Den sofa and furnishings sit in muddy flood water

If you currently live, or are going to purchase a home, in an area which has been declared “high-risk for flooding”, then you’ll certainly want flood insurance for your property. But, what if you don’t live in an officially designated flood prone area near a stream, river or other low-lying area? Getting a flood insurance quote and purchasing flood insurance is still a really good idea. There is nothing worse than starting a life in a home and creating memories and losing it all to a flood issue.

Far too often a flood is thought of as an event which is catastrophic to a general area when nearby water ways overflow their banks. Yet a portion of a home can more commonly flood with just an inch or two of water from poor property drainage which causes the surrounding storm runoff to build up and rise until property begins to take on water. When water rises up to the property, it’s a flood and when water rises up a property only flood insurance covers the financial loss.

Your standard homeowners insurance does not have flood insurance included. Flood insurance is commonly offered by the National Flood Insurance Program or NFIP. Watauga Insurance can find you a flood insurance plan that will fit your needs.

Why Flood Insurance

Far too many homeowners never think about needing flood insurance until it’s too late. There have been countless instances in Tennessee where rains cause the water to rise, or filled small streams, turning them into rivers that creep higher onto property and eventually into homes.

Torrential rains can change everything in a fairly short amount of time. Flooding is devastating, but flood insurance can help keep you afloat.

Watauga Insurance can help you with a flood insurance quote. We will search for the best flood insurance rates and proper flood insurance coverage to protect property, possessions and structures.



 
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UNDERSTANDING YOUR FINANCIAL FLOOD RISK


Flooding can be an emotionally and financially devastating event.
Use the tool below to see how much flood damage, even from just a few inches of water, can be very costly.



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Knowledge Center

Insurance Knowledge Center

Make your selection from the following general knowledge categories:


Disability Insurance

Personal Disability Insurance in Tennessee

Disability insurance helps protect you from an interruption of your income due to an accident or medical emergency. Naturally, no one expects an accident to take them out of commission, even for a short time. But a good disability policy provides protection just in case.

This section provides what you’ll need to know to protect you, from the basics of coverage to filing a claim.

THE BASICS

A disabled man carefully walking with the aid of a medical walker
What is disability insurance?

Disability insurance pays benefits when you are unable to earn a living because you are sick or injured. Like all insurance, disability insurance is designed to protect you against financial disaster. Most disability policies pay you a benefit that replaces part of your earned income (usually 50 to 70 percent) when you can’t work.

Why would you need disability insurance?

Your chances of being disabled for longer than three months are much greater than your chances of dying prematurely. One reason for this is that medicine has made many illnesses and injuries treatable and life sustaining which previously had life ending consequences. Although this is great news for us all, it increases your need to protect your income with disability insurance.

While you are working

Everyone who works and earns a living should consider purchasing disability insurance. What would happen if you suffered an injury or illness, and couldn’t work for days, months, or even years? If you’re single, you may have no other means of support. If you’re married, you may be able to rely on your spouse for income, but you probably also have many financial obligations, such as supporting your children and paying your mortgage. Could your spouse’s income support your whole family? In addition, remember that you don’t have to be working in a hazardous position to need disability insurance. Accidents happen not only on the job but also at home, and illness can strike anyone.

If you’re a business owner

If you own a business, disability insurance can protect you in several ways. First, you can purchase an individual policy that will protect your own income. You can also purchase key person insurance designed to protect you from the impact that losing an important employee would have on your business. Business overhead expense insurance ensures that if you get sick, your business will stay healthy. Finally, you can purchase a disability insurance policy that will enable you to buy your partner’s business interest in the event that he or she becomes disabled.

What do you need to know about disability insurance?

Once you become disabled and apply for benefits, you have to wait for a certain amount of time after the onset of your disability before you receive benefits. If you are applying for benefits under a private insurance policy, this amount of time (called the elimination period) ranges from 30 to 720 days, although the most common period is 90 days. If you are applying for benefits under a type of social insurance, your waiting period may be as long as five months (for Social Security).

You can purchase private disability insurance policies that guarantee lifetime coverage, but they are very expensive. Most people buy either short-term policies (benefits are paid for up to two years) or long-term policies (benefits are paid for a few years or up until age 65). In fact, many injuries or illnesses do not disable you permanently. After a rehabilitation period, you may be able to return to work full- or part-time. Most private and social insurance programs encourage you to go back to work either by paying you partial or full benefits while you try to work or by continually reevaluating your disability. In addition, they usually pay for any training or rehabilitation you might need to help you get back to work.

Both private and government disability insurance are complex because the needs of each individual are complex. In addition, injury or illness is unpredictable. As a result, private and government disability insurance programs are designed with many restrictions and–in the case of individual disability insurance, at least–many options. When you purchase a disability policy, you may have to spend a lot of time evaluating your future needs and weighing what coverage you can afford to buy against what coverage you’d like to have. Then, you’ll have to compare individual policies and determine what coverage you are already entitled to through your employer or through the government.

Where can you get disability insurance?

In general, disability insurance can be split into two types: private insurance (individual or group policies purchased from an insurance company), and government insurance (social insurance provided through state or federal governments).

Private disability insurance refers to disability insurance that you purchase through an insurance company. Many types of private disability insurance exist, including individual policies, group policies, group association policies, specialized
group policies, and riders attached to life insurance policies. Depending on the type of policy chosen, private disability policies usually offer more comprehensive benefits to insured individuals than social insurance. Individually-owned policies may offer the most coverage (at a greater cost), followed by group policies offered by an employer or association.

Workers’ compensation and Social Security are two well-known government disability insurance programs. In addition, five states (California, Hawaii, New Jersey, New York, and Rhode Island) have mandatory disability insurance programs that provide disability benefits to residents. If you are a civil service worker, a military service member, or other federal, state, or local government employee, there are many disability programs set up to benefit you. In general, however, government disability insurance programs are designed to provide limited benefits under restrictive terms, and you should not rely upon them (as many people mistakenly do) as your main source of income if you are disabled.

Although government disability insurance programs are generally inflexible because they are designed to meet the needs of the masses, private individual policies can be tailored to meet your needs.


 
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Privacy Statement

PRIVACY POLICY STATEMENT

As a part of our normal operations Watauga Insurance, Inc. collects, and in some cases, discloses information about you. We encourage you to read the following Privacy Statement that contains information about policies regarding the collection, use, disclosure, and protection of your information.

If you are not comfortable with any of the terms or policies described in this Statement, we encourage you to send confidential correspondence through the postal service.


What information do we collect?

Personal, Financial and Product Information

We collect personally identifiable information in order to identify and register you as a customer. In addition, we collect personal, financial and product information in order to provide you with services tailored to your particular needs. By learning about you, we can deliver more relevant protection and product offerings and thus offer you better insurance services and options.

The information we collect will vary depending upon the function or processes you select or request. Depending upon the function, product or process you select (for example, quote, request for proposal, e-mail, purchase), you may be required to provide information such as:

  • Name
  • Address
  • Birthdate
  • Phone number
  • E-mail address
  • Policy(ies) Type(s) & Number(s)
  • Social Security Number
  • Driver’s License Number, accident/violation history, information about vehicle operators, lien/lease holders, vehicle information, etc.

Who Should Use Our Web Site?

Our Web site is for insurance and financial products and services and is not intended for children. We offer insurance and financial products and services and thus do not market any products or services to children under the age of eighteen or knowingly collect any information from children under the age of eighteen. If we become aware that information is or has been submitted by or collected from a child under the age of eighteen, we will destroy this information.

What kind of customer information do we have, and where did we get it?

Much of the customer information we collect comes directly from you. When submitting your application or request for insurance or other products and services we offer, or in requesting an insurance quote, you may give us information such as your name, address, and Social Security number. We also keep information about your transactions with our affiliates, others, or us – for example, the types of products and services you purchase from us, premiums, policy account balances and payment history. We also may collect information from outside sources, including consumer reporting agencies and/or health care providers or reporting agencies such as the Medical Information Bureau (MIB). This information includes loss information reports, motor vehicle reports, credit reports, and medical information.

Who collects this information?

In order to better serve your particular needs, the information noted above is collected by Watauga Insurance, Inc., its agents, and other companies working on behalf of Watauga Insurance, Inc.. In addition to collecting information from you, you should also know that, depending on the nature of your transaction, we may collect information from outside sources, such as loss information reports, motor vehicle reports, and credit reports. For property insurance, we may send someone to inspect your property and verify information about the value and condition of your property.

How is this information used?

The information you submit to us via our on-line forms and e-mail is used to provide you with the response or service you have requested.

We may also use this information to contact you about our products and services. If you do not wish to receive these communications, you can write us, e-mail us or simply reply to any e-mails you receive from our employees informing us of your desire to be removed from our mailing lists.

Who has access to this information?

In order to better serve your particular needs, our company, its employees, and certain companies working on our behalf have access to this information. This information may also be disclosed to third parties without your consent if disclosure is necessary to comply with legal processes or to protect the rights, property, or personal safety of Watauga Insurance, Inc., its users or the public. We may also provide limited information about you to third parties without your permission when necessary or appropriate to service an insurance policy we have issued (e.g., inquiries from lien holders or additional insureds listed on the policy) or to address claims submitted under a policy we have issued.

In addition, we may, as permitted by law, provide information about you without your permission to certain persons or organizations, such as: your agent or broker; insurance support organizations; other insurance companies in order to perform their function in regard to an insurance transaction involving you (i.e. a claim); independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law enforcement authorities; or our affiliated companies, if any.

What are your options regarding collection, use, and distribution of your information?

Any information you submit to us via written applications, our Web site’s on-line forms or e-mail is done so on a voluntary basis. When you access our site in this manner, the collection, use, and distribution of your information will be handled according to the terms and policies outlined in this Privacy Statement. If you object to the collection, use, and distribution policies outlined in this Privacy Statement, we ask that you do not submit information.

What are your options regarding correction or storage of your information?

You may either personally see, or obtain from us by mail, the information about you in our files. If you believe the information we have about you in our records or files is incomplete or inaccurate, you may request via telephone or a postal mail letter that we make any necessary additions or corrections or, to the extent that it is feasible, that we delete this information from our files.

Links and Co-Branded Sites

This Web site contains links to other sites. Watauga Insurance, Inc. provides links to other sites as a convenience to persons who visit the web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with Watauga Insurance, Inc.. Please be aware that Watauga Insurance, Inc. is not responsible for the privacy practices of those sites, even though the name or logo of Watauga Insurance, Inc. may appear on those sites. We encourage you to be aware when you leave our site and to read the Privacy Statements of each and every Web site that you visit, as the privacy policy of those sites may differ from ours.


Have Additional Questions Regarding Your Privacy?

Contact our offices at:

Watauga Insurance, Inc.
201 West Watauga Avenue
Johnson City, TN 37604

Office Hours: M-F 8am-5pm
Tel: (423) 929-7103
Fax: (423) 929-7105
Email: email@nullwataugainsurance.com

Life Insurance

Life Insurance in Tennessee

Life insurance is simply protection to ensure that your family will have financial security when you pass away. If something should happen to you, how will they be able to continue doing the things they take for granted, such as live in a nice home, continue their education, or create a retirement nest egg without you? Life insurance can help to provide the answer. In this section, we’ll help you begin to think about Life insurance. We’ll take a look at the two basic types of Life insurance, how to achieve an appropriate level of Life insurance, how to read your policy, and how to address typical planning concerns. All designed to provide you with a framework for considering how much life insurance you need.

Defining Your Needs Is The Place To Start: Try Our Life Insurance Calculator

There are many reasons for purchasing life insurance:

Father carries child on shoulders for walk across field bordered by large trees

  • Family protection to provide financial security to surviving family members on the death of the insured person.
  • To pay for children’s education.
  • Insurance to cover a particular need such as paying off a mortgage or consumer debt upon the insured’s death.
  • Business insurance to compensate a company on the death of a key employee or to provide a surviving partner the resources to buy out the deceased partner’s share of the business.
  • To provide funds to pay estate taxes or other final obligations necessary to settle a deceased person’s estate.
  • To provide the funds necessary for the deceased person’s burial expenses.
  • Accumulation of funds to supplement retirement income.

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Understanding The Basics

What is life insurance?
Life insurance is an agreement between you (the insured) and an insurance company (the insurer). Under the terms of a life insurance contract, the insurer promises to pay a certain sum to someone (a beneficiary) when you die, in exchange for your premium payments.

Why would you need life insurance?
The most common reason for buying life insurance is to replace the income lost when you die. For example, say that you work, and your income is used to support yourself and your family. When you die, and your paychecks stop, the life insurance proceeds can be used to continue to support the family members you’ve left behind.

Another common use of life insurance proceeds is to pay off any debts you leave behind. For example, mortgages, car loans, medical bills, and credit card debts are often left unpaid when someone dies. These obligations must be paid from the assets left behind. This can deplete the resources that your family needs. Life insurance can be used to pay off these debts, leaving your other assets intact for your family to use.

Life insurance provides liquidity to your estate. When you die, you may leave some liquid assets (such as cash, CDs, and savings bonds), and some illiquid assets (such as real estate, an automobile, and stocks). Your liquid assets may not be enough to pay all the debts that you leave behind, plus all the expenses that arise because of your death (such as funeral expenses and estate taxes). Your illiquid assets may have to be sold in order to meet these obligations when they come due. This may cause a financial loss if the assets must be sold cheaply in order to get the money on time. Life insurance can avert this situation, because the proceeds are available almost immediately upon your death.

Life insurance creates an estate for your heirs. After your debts and expenses are paid, there may not be much left over for your family. Life insurance can automatically provide assets for them after your death. Life insurance is also a great way to give to charity when you die. You may have always had a great philanthropic desire, but not the means to make it a reality. Life insurance can do that for you.

Life insurance can even be a key element for specialized business applications, such as funding a buy-sell agreement. Under a buy-sell agreement, life insurance can be used to provide cash for the purchase of a deceased owner’s interest in the business. Finally, life insurance can be an investment vehicle. Some types of life insurance policies may actually make money for you, as well as provide the benefits described above. This can help you with long-term financial goals and strategies. What do you need to know about life insurance?

There are several kinds of policies that may be available to you. Term life insurance policies provide life insurance protection for a specific period of time or term. If you die during the coverage period, the beneficiary named in your policy receives the policy death benefit. If you don’t die during the term, your beneficiary receives nothing. Common term policies last for 10, 15, 20 and even 30 years. Permanent insurance policies provide insurance protection for your entire life as long as the policy remains in force. In addition to the insurance protection provided, this type of policy also builds internal cash values, often described as a savings account within the policy.

The different kinds of permanent insurance policies:

  • Whole life
  • Ordinary level premium whole life
  • Limited-pay whole life
  • Current assumption whole life
  • Adjustable life
  • Universal life
  • Joint life (first to die)
  • Survivorship (second to die)

You also need to know that the cost of life insurance will depend upon the type of policy, your age, and your health at the point in time when the policy is issued.

A life insurance contract is made up of provisions, options, and riders. Provisions describe or explain features, benefits, conditions, or requirements of the contract. Options are features of the agreement that require you to make a choice regarding some aspect of coverage. Riders are additional coverage (or endorsements) offered by the insurer at the time of application and added to the standard agreement in return for an additional premium. Finally, you need to know the tax consequences of owning life insurance.

  • Life insurance premium payments are not tax-deductible expenses.
  • In general, the death benefit paid to the beneficiary is not included in gross income for federal income tax purposes, because it is paid with after-tax dollars.
  • You must be very careful about who owns the policy and who the beneficiaries are, in order to avoid estate taxes on the proceeds when you die.




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Personal Liability Insurance

Personal Umbrella Policy in Tennessee

Liability insurance protects your assets in the event that you (or a member of your household) accidentally injure another person or damage someone’s property. It’s known as “third-party insurance,” because it protects you if a third party files a claim against you. Liability insurance will pay for a legal defense in the event of a lawsuit, and pay medical and/or property claims for which you are found legally liable, up to the limits of the policy. Personal liability insurance can be purchased as part of a package policy (such as homeowners, renters, or auto insurance), or as a separate policy (such as a personal umbrella liability policy).

Last piece of a blue backlit puzzle is put into place
Personal umbrella liability insurance is designed to protect you against a catastrophic lawsuit or judgment. It provides expanded coverage and increases the amount of your liability protection beyond the basic coverage provided under your homeowners/renters and auto insurance policies. Unlike other types of liability coverage personal umbrella liability insurance can be purchased as a separate policy. However, your insurer will require that you have underlying basic liability coverage (homeowners/renters insurance, auto insurance, or both) before you can purchase an umbrella liability policy. If you are found to be legally responsible for injuring someone or damaging someone’s property the umbrella policy will either pay the part of the claim in excess of the limits of your basic liability coverage or pay for certain losses not covered by your basic personal liability insurance. Naturally, no one expects to be sued. But a good personal liability policy can definitely help to protect both your family and your future.
 
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Understanding The Basics of Liability Insurance

Why do you need it?
Standard homeowners policies usually provide $100,000 to $300,000 worth of liability coverage. As well as the fact that most states now require you to carry auto insurance with minimum liability coverage (which varies from state to state). It is possible to purchase additional liability coverage under these policies, but amounts may be limited. In today’s society, it’s not unusual to hear of $1-million, $2-million, and even $10-million liability judgments against individuals. If someone is injured in your home, or if you cause a serious auto accident, you could be hit with such a judgment. Without a personal umbrella liability policy, anything beyond the liability coverage limits of your homeowners/renters or auto insurance policy will have to come out of your pockets.

How does it work?
Personal umbrella liability insurance supplements the basic liability coverage provided by your other insurance–it’s designed to kick in when your other liability coverage is tapped out. Depending on the type of claim against you, your homeowners, renters, auto, or boat insurance coverage would be utilized first. Once the basic liability limit under the applicable policy is reached, your personal umbrella liability policy covers the remaining costs, up to the policy limits. For this reason, umbrella liability insurance usually carries a high deductible. Insurance companies typically require you to have homeowners/renters and auto liability insurance equal to the amount of your personal umbrella deductible.

When should you get it?
Your homeowners, renters, and/or auto insurance policies include some liability coverage. So the question is, when should you consider purchasing additional liability coverage (typically in the form of a personal umbrella liability policy)? There is no hard-and-fast answer, but there’s no time like the present because almost anyone can be the target of a huge liability lawsuit. Certain events increase your liability exposure–such as starting a home-based business, or having a teenaged child who gets his or her drivers license–so you should definitely re-examine your liability coverage at these times.

While it is possible to be overinsured, it’s much more likely that you’re underinsured for liability purposes. Don’t learn the hard way that you need more liability insurance. Accidents and injuries don’t happen on a schedule, and once you’re the target of a liability suit it’s too late to increase your coverage.

What does it cover?
A typical personal umbrella liability policy provides the following protection, up to the coverage limits specified in the policy:

  • Protection for claims of personal injuries or property damage caused by you, members of your family/household, or hazards on your property, for which you are found legally liable
  • Personal liability coverage for incidents which occur on or off your property
  • Additional protection above your basic auto policy for auto-related liabilities
  • Protection against non-business-related personal injury claims, such as slander, libel, wrongful
    eviction, and false arrest
  • Legal defense costs for a covered loss, including lawyers’ fees and associated court costs



What doesn’t it cover?
Personal umbrella liability insurance typically provides extremely broad coverage. Furthermore, if something is not expressly excluded from coverage, it is covered. Although exclusions can vary, the following are some items typically excluded from coverage:

  • Intentional damage caused by you or a member of your family/household
  • Damages arising out of business or professional pursuits
  • Liability which you accept under the terms of a contract or agreement
  • Liability related to the ownership, maintenance, and use of aircraft, nontraditional watercraft (jet skis, air boats, etc.), and most recreational vehicles
  • Damage to property owned, used, or maintained by you (the insured)
  • Damage covered under a workers compensation policy
  • Liability arising as a result of war or insurrection



So, how much is enough?
There is no exact science when it comes to determining the appropriate level of personal liability insurance coverage. You might think that you only need enough liability insurance to protect your assets, but this figure is practically irrelevant when deciding how much liability coverage you need. A large judgment against you could easily wipe out your assets and put your future earnings in jeopardy. Instead, consider factors such as the
following:

  • Do you entertain often? (Having guests in your home, serving alcohol, etc., can open the door to potential liability claims.)
  • Do you operate a home-based business that is covered under your homeowners policy?
  • Do you have a long commute to work? Do you take frequent auto trips?
  • Do you have teenage children? Do they drive?
  • Does your lifestyle make you a likely target for a lawsuit (i.e., do you give the appearance of having “deep pockets”)?


Property Insurance

Property Insurance For Your Tennessee Business

Large empty interior warehouse structure waiting to be filled

We offer a variety of excellent property coverages for your business’ buildings, personal property, and income. Most property policies include additional coverage at no charge that provides higher coverage limits than most standard policies, in addition to extra coverages normally not found. Some coverages even offer you the option to purchase higher limits.

The following list only highlights some of the coverages often included:

  • Newly Acquired Property and Business Personal Property
  • Property Off-Premises
  • Outdoor Property and Outdoor Signs attached to Buildings
  • Lawn Coverage on which your property is located
  • Arson Reward information leading to an arrest
  • Extra Expenses incurred to keep your business running after an insured loss
  • Water Back-up and Overflow from sewers, drains or sumps
  • Money and Securities
  • Employee Dishonesty



 
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Home Insurance

Homeowners Insurance in Tennessee

Roof-line gable of traditional home against a blue cloudless sky

Owning a home is one of the biggest investments you might make in your entire life. It has been part of the “American Dream” for decades and continues to be a goal for many people. That’s why choosing the right homeowners insurance will be so important when you take this big step! Home insurance can be daunting. Buying a policy “off the shelf” without a plan or professional advice can result in the difference between what you really needed and what you ended up paying for being vastly different. Your homeowner’s insurance policy should reflect the reality of your home’s uniqueness, your lifestyle and your financial assets.

Tennessee Homeowners,Condominium Insurance, Co-op and Renters Insurance

There are important differences in condominium insurance, renters insurance and homeowners insurance but one factor ties them all together: making sure YOUR property is covered for almost any kind of issue. Watauga Insurance has worked hard to put together homeowners, renters and condominium insurance plans that are some of the highest rated in the country. Your insurance policy should pay for financial losses but we also believe policies should help prevent losses and accidents, and be flexible. Above all, it should provide you with the security that comes only from the knowledge that your home is properly insured.

For this reason the companies we represent continue to receive the highest ratings from the insurance industry’s leading analysts and rating authorities.

We can offer you:

  • Many coverages to protect both you and your property.
  • Responsive and caring Claims service.
  • Property insurance at an affordable price.

We’re always pleased to provide professional and friendly consultations regarding Homeowners, Condominium, and Renters insurance to help you understand the importance of insurance protection you can truly be comfortable with.



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Insurance

PRODUCTS & SERVICES

Auto Insurance Automobile Home Condo Renters Liability Commercial Business Insurance

At Watauga Insurance, Inc. it is our experience & dedication while also maintaining strong relationships with the companies we represent which have proven our strength & know-how. This unique position means we not only can provide the following insurance products and services, but we understand them to such an extent that each can be customized to meet your unique circumstance while remaining highly competitive in cost.

The following is a general outline of the many products and services we are pleased to provide.


Personal Lines Insurance



Commercial Lines Insurance



Life & Health Insurance



Special Programs


Retail Operations, Manufacturers & Distributors, Churches & Schools, Lessor’s Risk for Building Owners, Non-Profit & Social Services Organizations, Professional Groups & Associations … and much more.


Employee Benefits


Finding an affordable Employee Benefits Program is a challenge. Watauga Insurance provides our clients with cutting edge benefit strategies that enable employers to offer competitive coverage to their employees. We work with our clients to tailor plans that will enable you to attract and retain new and competent talent, motivate your existing workforce, protect executives within your organization and remain viable when a key employee leaves.

Watauga Insurance also provides a unique service approach that helps ease the administrative burden of today’s rapidly changing health insurance marketplace. We take our responsibility to service the plans we represent very seriously. We are experts on all forms of group and voluntary insurance products. Whatever the size of your business, your employee benefit package will be administered professionally, from plan implementation to day-to-day benefits management. We help you take advantage of every opportunity available to save you money while providing the benefits your employees need.



Insurance Companies

Insurance Companies, Claims & Bill Payments

At Watauga Insurance we are pleased to represent the full array of insurance products and services from the following highly-rated companies.

Available within these listings you are likely to see direct links to each carrier’s primary website, online bill payment integration, claim submissions and company-direct telephone information for additional policy service and support.




Americsafe

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

800-699-6240

BlueCross BlueShield Association

Company:

Website

Find A Doctor:

Website

   
   

Builders Insurance Group

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

800-883-9305

Celtic

Company:

Website

   
   
   

Cincinnati Insurance Companies

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

877-242-2544

Glass Claims:

877-588-4527

Consumers Insurance

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

800-321-0065

Employers

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

(888) 682-6671

FirstComp

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

888-500-3344

Infinity

Company:

Website

Bill Pay:

Payments

Service Tel:

800-782-1020

Claims Tel:

800-334-1661

John Deere

Company:

Website

   
   
   

John Hancock

Company:

Website

   
   
   

National Lloyds Insurance Company

Company:

Website

Bill Pay:

Payments

Claims/Service:

800-749-6419

 

 

Pennsylvania Lumbermens

Company:

Website

Bill Pay:

N/A

Online Claims:

Claims

Claims/Service:

800-752-1895

Philadelphia Insurance

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

800-765-9749

Progressive Insurance

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

800-776-4737

Travelers

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

Personal: 800-252-4633
Commercial: 800-238-6225

Westfield Insurance

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service:

866-937-2663

Zurich Insurance Services

Company:

Website

Bill Pay:

Payments

Online Claims:

Claims

Claims/Service: 800-987-3373

Additional Insurance Companies:

  • Vol Comp
  • Preferred Comp
  • Hamblen Mutual
  • HCC Employer Services, Inc.