Business Details
Cate Insurance Agency has proudly served the insurance needs of East Tennessee and beyond since 1959. Our independent agency can help you find the best value on auto, home, health, and more. Contact us now for free, competitive quotes. Welcome to the Cate Insurance Agency, one of the oldest and most experienced insurance agencies in the Lakeway Region.
Continuing a half century of service to the Lakeway Area, Cate Insurance Agency is a proven leader in insuring the present and futures of thousands of families, individuals, and businesses since 1959. The Cate Insurance Agency offers personalized protection plans to cover your auto and home, business, or life and health. Our goal is to partner with you in determining your insurance needs while providing the best customer service possible.
We believe that loyalty is a quality that is earned, and that our policyholders deserve the best. YOU are important to us!
Continuing a half century of service to the Lakeway Area, Cate Insurance Agency is a proven leader in insuring the present and futures of thousands of families, individuals, and businesses since 1959. The Cate Insurance Agency offers personalized protection plans to cover your auto and home, business, or life and health. Our goal is to partner with you in determining your insurance needs while providing the best customer service possible.
We believe that loyalty is a quality that is earned, and that our policyholders deserve the best. YOU are important to us!
Services
About Us
Located in Jefferson City and Morristown, the Cate Insurance Agency is one of the oldest and most experienced insurance agencies in the Lakeway Region.
Continuing a half century of service to the Lakeway Area, we are a proven leader in insuring the present and futures of thousands of families, individuals, and businesses since 1959.
It is with a great source of pride that we emphasize the importance of providing the best in service and insurance products while protecting the assets and quality of life for our clients.
Continuing a half century of service to the Lakeway Area, we are a proven leader in insuring the present and futures of thousands of families, individuals, and businesses since 1959.
It is with a great source of pride that we emphasize the importance of providing the best in service and insurance products while protecting the assets and quality of life for our clients.
Why an Independent Agent
Because independent insurance agencies, like Cate Insurance Agency, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances.
As independent agents, we are members of the Jefferson City community, and we're committed to doing business face-to-face and being your advocate in times of need.
Here are a few reasons why Cate Insurance Agency should be your first and last stop when looking for insurance.
As independent agents, we are members of the Jefferson City community, and we're committed to doing business face-to-face and being your advocate in times of need.
Here are a few reasons why Cate Insurance Agency should be your first and last stop when looking for insurance.
Insurance
Cate Insurance Agency is an independent insurance agency, which means we do business with multiple insurance companies and compare protection and prices to find the best value for you.
We're not computers, we are real, live members of the Jefferson City community, and we're committed to being your advocate in times of need.
To talk with one of our helpful team members about your insurance needs, request a free quote or call us at 865-475-3391 today.
We're not computers, we are real, live members of the Jefferson City community, and we're committed to being your advocate in times of need.
To talk with one of our helpful team members about your insurance needs, request a free quote or call us at 865-475-3391 today.
Vehicle
As an independent insurance agency, Cate Insurance Agency works with many insurance companies and can help you compare protection and prices to find the coverage and value that's right for you.
We're your local agents - real, live members of the Jefferson City community, so we know how to get the right insurance for your vehicle.
Whether your hitting the winter trails, taking a summer road trip, or just driving the daily commute, our team can help you find the right insurance for you.
Talk with one of our helpful team members about your insurance needs today.
We're your local agents - real, live members of the Jefferson City community, so we know how to get the right insurance for your vehicle.
Whether your hitting the winter trails, taking a summer road trip, or just driving the daily commute, our team can help you find the right insurance for you.
Talk with one of our helpful team members about your insurance needs today.
Auto
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event.
Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
As a local, independent insurance agency, Cate Insurance Agency can help you find the right policy for your car by comparing quotes and coverage options from several top providers.
Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
As a local, independent insurance agency, Cate Insurance Agency can help you find the right policy for your car by comparing quotes and coverage options from several top providers.
Motorcycle
Street cycles, Harley Davidsons, cruisers, touring bikes, dirt bikes and more - if you live in Tennessee, chances are we cover what you ride.
As a local, independent insurance agency, Cate Insurance Agency can help you find the right policy for your motorcycle by comparing quotes and coverage options from several top providers.
Your motorcycle insurance can include any or all of the options below - contact Cate Insurance Agency today to discuss what coverage is best for you.
If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you.
As a local, independent insurance agency, Cate Insurance Agency can help you find the right policy for your motorcycle by comparing quotes and coverage options from several top providers.
Your motorcycle insurance can include any or all of the options below - contact Cate Insurance Agency today to discuss what coverage is best for you.
If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you.
Classic Car
Not all classic or antique cars are used the same, so Cate Insurance Agency will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.
Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible.
This type of coverage is much better than "actual cash value" or "stated value" that you may get with some companies.
Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible.
This type of coverage is much better than "actual cash value" or "stated value" that you may get with some companies.
Boat & Watercraft
Cate Insurance Agency will find you a boat insurance policy that protects you, your friends and family, your watercraft, and your boating equipment.
Navigational Area: Know where you are covered in the water.
Some companies offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico.
In California, Florida and Oregon, additional coverage area can be purchased.
Agreed Value Coverage: Boats depreciate just like automobiles.
Navigational Area: Know where you are covered in the water.
Some companies offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico.
In California, Florida and Oregon, additional coverage area can be purchased.
Agreed Value Coverage: Boats depreciate just like automobiles.
Motorsport & ATV
There's no shortage of ways to get outside in Tennessee.
Whether you're hitting the trail, playing the links, or just enjoying the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected.
Cate Insurance Agency can help you get the specialized coverage you need for your outdoor activities, so you can focus on having fun.
Most specialized vehicles aren't covered under your standard auto or home insurance policies, especially when you aren't on your own property.
Whether you're hitting the trail, playing the links, or just enjoying the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected.
Cate Insurance Agency can help you get the specialized coverage you need for your outdoor activities, so you can focus on having fun.
Most specialized vehicles aren't covered under your standard auto or home insurance policies, especially when you aren't on your own property.
RV & Motorhome
Let Cate Insurance Agency help you select the right coverage for your RV needs at a price you can afford.
Call us today at 865-475-3391 or request a free online quote.
RVs that are for personal, recreational use can be insured for up to 250 days per year.
This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more.
Coverage varies by state.
Call us today at 865-475-3391 or request a free online quote.
RVs that are for personal, recreational use can be insured for up to 250 days per year.
This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more.
Coverage varies by state.
Homeowners
If your home were damaged or destroyed, you would want your claim settled by an insurance agency that understands this simple fact.
Cate Insurance Agency can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Whether you own a house, apartment, or condominium - the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.
Cate Insurance Agency can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Whether you own a house, apartment, or condominium - the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.
Renters
You have a lot of things that are important to you - from your clothes and furniture to your sound system, sports gear, and computer.
And you want to feel confident that everything you've worked for is not at risk.
Let Cate Insurance Agency help you find coverage options that protect you, your family, and your personal property.
Call us at 865-475-3391 and let us help to make sure you're properly covered.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select.
And you want to feel confident that everything you've worked for is not at risk.
Let Cate Insurance Agency help you find coverage options that protect you, your family, and your personal property.
Call us at 865-475-3391 and let us help to make sure you're properly covered.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select.
Condo
Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association.
You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.
Let Cate Insurance Agency help you find the right amount of coverage to suit your insurance needs Tennessee.
Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association.
You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.
Let Cate Insurance Agency help you find the right amount of coverage to suit your insurance needs Tennessee.
Landlord
A rental property is a great investment, especially if you protect your assets with excellent coverage.
Make sure that you and your property are covered when choosing a landlord protection insurance policy.
Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.
Many landlords supplement their coverage with personal umbrella liability insurance for broader protection.
Make sure that you and your property are covered when choosing a landlord protection insurance policy.
Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.
Many landlords supplement their coverage with personal umbrella liability insurance for broader protection.
Flood
Since standard homeowners insurance doesn't cover flooding, it's important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves.
The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP.
Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves.
The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP.
Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
Earthquake
What are the two most important things to know about earthquake insurance?
1.
Most home insurance policies do not cover earthquake damage.
2.
Even if you don't live in an area where earthquakes are common, you may still need earthquake insurance.
Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active.
For many of our neighbors in Jefferson City, earthquake insurance can be inexpensive - contact Cate Insurance Agency to find out what the costs would be for your home.
1.
Most home insurance policies do not cover earthquake damage.
2.
Even if you don't live in an area where earthquakes are common, you may still need earthquake insurance.
Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active.
For many of our neighbors in Jefferson City, earthquake insurance can be inexpensive - contact Cate Insurance Agency to find out what the costs would be for your home.
Umbrella
To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.
An umbrella policy provides additional layers of liability protection.
If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection.
The cost is minimal compared to the comfort of knowing you?re covered.
What would happen if a fire in your condo spread to other units?
An umbrella policy provides additional layers of liability protection.
If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection.
The cost is minimal compared to the comfort of knowing you?re covered.
What would happen if a fire in your condo spread to other units?
Business Owners Policy
As a business owner, you strive to make decisions that are right for your business, your employees and yourself.
This includes decisions about business insurance.
A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses.
This packaged coverage is generally less expensive than when purchasing coverage separately.
With a BOP you have the ability to customize the policy to meet your individual business needs.
Perhaps you need general liability coverage that includes operations.
This includes decisions about business insurance.
A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses.
This packaged coverage is generally less expensive than when purchasing coverage separately.
With a BOP you have the ability to customize the policy to meet your individual business needs.
Perhaps you need general liability coverage that includes operations.
Commercial Property
One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more.
Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.
A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies.
As an independent agent, Cate Insurance Agency can help you determine the type of insurance policy and range of coverage that is best for your business.
Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.
A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies.
As an independent agent, Cate Insurance Agency can help you determine the type of insurance policy and range of coverage that is best for your business.
