The top-rated landlord insurance agent in Oak Ridge, Tennessee is Stephanie Hale-Smith - State Farm Insurance Agent, rated 5.0 stars across 334 reviews. Other highly rated options include Bradley Roberts: Allstate Insurance, Mike Massaglia - State Farm Insurance Agent, Josh Hemphill - State Farm Insurance Agent. This directory lists 17 landlord insurance agents serving Oak Ridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Hale-Smith - State Farm Insurance Agent | 40 New York Ave #110 | (865) 483-7784 |
| 2 | Bradley Roberts: Allstate Insurance | 106 S Illinois Ave | (865) 482-9596 |
| 3 | Mike Massaglia - State Farm Insurance Agent | 108 S Illinois Ave | (865) 425-7750 |
| 4 | Josh Hemphill - State Farm Insurance Agent | 574 Oak Ridge Turnpike | (865) 512-7542 |
| 5 | Laura Lynn Green - State Farm Insurance Agent | 136 Marquette Rd | (865) 483-5666 |
| 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 | Chris Smith Insurance | 471 Oak Ridge Turnpike Ste.B | (865) 272-3387 |
| 10 | Southern Protection Insurance TN | 113 Raleigh Rd | (865) 290-0191 |
Stephanie Hale-Smith, a State Farm Insurance Agent, provides landlord insurance services for property owners in Oak Ridge and Anderson County, Tennessee. These policies protect rental dwellings from common perils such as fire, theft, and liability claims that may arise from tenant injuries or property damage. The agency can tailor coverage to fit single-family rentals or small multi-unit properties. Specific services handled in this area include loss of rental income protection and coverage for landlord personal property used in maintenance.
Bradley Roberts: Allstate Insurance provides a full range of landlord insurance services designed to protect rental property investments in the Oak Ridge area. It works with property owners to establish appropriate coverage plans and offers support for policy maintenance and claims assistance as needed. The agency helps safeguard income properties by addressing common risks such as property damage and liability concerns. Its services extend to single-family homes, apartments, retail spaces, and restaurants, ensuring diverse rental properties receive tailored protection.
Mike Massaglia - State Farm Insurance Agent in Oak Ridge, TN, serves homeowners and property managers who need landlord insurance for rental properties. The agency helps clients obtain financial protection for their investment properties, covering potential risks such as property damage and liability. Policy options are tailored to the unique needs of landlords who lease single-family homes, duplexes, or apartment buildings. Mike Massaglia also extends these coverage services to clients located in the nearby community of Clinton and throughout surrounding Anderson County areas.
Josh Hemphill - State Farm Insurance Agent serves the Oak Ridge, Tennessee area and surrounding communities as a provider of landlord insurance coverage. This agency helps property owners protect rental dwellings and assets from common risks such as property damage, liability claims, and loss of rental income. They work with clients to customize policies that address the unique needs of local rental properties. Specific services handled here include dwelling protection for single-family rentals and coverage for commercial multi-unit buildings.
Laura Lynn Green - State Farm Insurance Agent serves Oak Ridge, Tennessee, and the surrounding Anderson County communities, handling landlord insurance policies for residential and small commercial rental properties. This agency addresses coverage needs such as property damage, liability protection, and loss of rental income for property owners. For a typical job, the agent evaluates the specific risk factors of each rental property and then recommends a tailored policy package to match the landlord’s exposure and financial goals.
Madison Insurance Group, Inc. in Oak Ridge, TN specializes in crafting tailored coverage plans for residential and commercial rental properties. The company works closely with local property owners to address liability protection, dwelling coverage, and loss-of-rent scenarios. It focuses on clarifying policy details and matching coverage limits to specific property types in the area. As winter approaches, the firm assists landlords in reviewing policies for freeze-related damage and ice dam liabilities, ensuring protection during seasonal weather shifts common to East Tennessee.
Thompson Insurance Group provides landlord insurance solutions for property owners in Oak Ridge, Tennessee. Their services address general liability and property coverage needs specific to rental real estate. The firm also offers specialty options such as loss-of-rent protection, building ordinance endorsements, and coverage for tenant-related damages. They assist commercial clients across multiple sectors, including offices, warehouses, and food service operations.
As the summer storm season approaches in Oak Ridge, property owners often seek reliable protection for their rental investments. Fox Insurance Group provides landlord insurance agent services to local residential landlords navigating these evolving coverage considerations. The company helps clients assess liability exposures and tailor policies for single-family rentals or multifamily properties in the area. Beginning with an inspection of the property's current condition and existing insurance provisions, Fox Insurance Group conducts an initial on-site assessment to identify specific risks before recommending appropriate landlord coverage options.
Chris Smith Insurance serves residential landlord clients in the Oak Ridge area, providing property coverage for rental homes and duplexes. Commercial policies for small apartment buildings and multi-unit residential properties are also available. Their service area includes Oak Ridge and the surrounding East Tennessee region. After an initial policy is set, the agent maintains contact to adjust coverage as tenant turnovers or property improvements occur, ensuring protection stays current for regular visits.
What Does a a Landlord Insurance Agent in Oak Ridge Cost?
Typical landlord insurance in Tennessee costs between 15 and 30 percent more than standard homeowners insurance. For a single family rental in Oak Ridge, annual premiums often range from 800 to 1,800 dollars depending on property value, location, and coverage limits. Factors like the age of the property, number of units, and claims history also affect the rate. This is general information and not insurance advice.
About landlord insurance agents in Oak Ridge
Landlord insurance agents in Oak Ridge Tennessee help property owners protect their rental investments. These agents can explain coverage options that address Tennessee specific risks such as storm damage and liability claims. Working with a local agent ensures you understand state requirements like security deposit limits and eviction procedures.
Frequently Asked Questions
What does landlord insurance cover in Tennessee?
Landlord insurance in Tennessee typically covers the building structure, liability for tenant injuries, and loss of rental income. It does not cover a tenants personal belongings. Agents can help you add endorsements for flood or earthquake risks common in East Tennessee.
Is landlord insurance required by law in Tennessee?
Tennessee law does not require landlord insurance, but most mortgage lenders require it for rental properties. Without it you could face major financial loss from fire, storm, or liability claims. An agent can help you meet lender requirements while protecting your investment.
How do I choose a landlord insurance agent in Oak Ridge?
Look for an agent who specializes in rental property coverage and is licensed in Tennessee. Ask about their experience with Oak Ridge properties and their knowledge of local building codes. A good agent will compare quotes from multiple insurers to find suitable coverage for your specific property.
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