Business Details
Your Trusted Insurance Partner in Chattanooga
At Stevens Insurance Associates, we pride ourselves on being independent agents dedicated to understanding our clients' unique needs and finding tailored insurance solutions. With decades of combined experience, our team works tirelessly to secure competitive coverage options from top-rated providers, ensuring our clients receive optimal protection at reasonable costs. We specialize in personal, commercial, and specialty insurance products, including auto, home, life, business, farm, and recreational vehicle coverage.Our commitment to exceptional customer service is evident in our proactive policy reviews, personalized support during claims processes, and ongoing dedication to educating clients about risk management. Licensed in Tennessee and Georgia, we serve individuals and businesses across diverse industries, prioritizing transparency, integrity, and long-term relationships in every interaction.
Services
Annuities
Auto Insurance
Boat Insurance
Business Insurance
Farm Insurance
Flood Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
RV Insurance
Highlights and features
- We are independent agents representing multiple top-rated insurance carriers.
- Our team provides personalized policy reviews to prevent underinsurance.
- We offer specialized coverage for unique assets like farms and recreational vehicles.
- We maintain strong relationships with local businesses and property owners.
- Our claims advocacy ensures prompt, fair resolution of insurance claims.
What people say
Excellent service
Competitive rates
Prompt claims process
Personalized attention
Knowledgeable agents
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual needs, covering standard vehicles, motorcycles, RVs, and specialty vehicles. Our policies include options for replacement cost, rental reimbursement, OEM parts, and umbrella liability. We help clients maximize discounts through bundling, higher deductibles, and good student programs while ensuring adequate protection for drivers in Tennessee and Georgia.
Business Insurance
Our business insurance programs protect diverse industries including retail, manufacturing, contractors, professional offices, and landlords. Coverage options include property, liability, crime, inland marine, auto, workers' compensation, and umbrella policies. We specialize in customizing solutions for unique business risks, with expertise in insuring commercial buildings, churches, and specialized operations across Tennessee and Georgia.
Home Insurance
We offer comprehensive homeowners insurance with enhanced coverage options for the Chattanooga area's specific risks, including tornado protection. Policies include structural upgrades, flood endorsements, ordinance compliance, and valuable item coverage. We emphasize proper valuation to prevent underinsurance and provide specialized policies for condominiums, townhomes, rental properties, and high-value homes throughout our service areas.
Life Insurance
Our life insurance solutions include term and whole life policies designed to protect families and business interests. We offer flexible term periods from 5 to 30 years, guaranteed whole life coverage up to age 110, and children's policies with automatic benefit increases. These products help clients address mortgages, education costs, business loans, and final expenses while building cash value components for long-term financial planning.
Flood Insurance
We provide flood insurance through the National Flood Insurance Program and private carriers for properties exceeding NFIP limits. Our solutions cover residential and commercial buildings up to $500,000 and contents up to $100,000 for personal lines, with commercial options reaching $5,000,000 through combined NFIP and private market placements. This ensures adequate protection for warehouses, businesses, and homes in flood-prone areas of Tennessee and Georgia.
People
Chuck Stevens
President
Chuck Stevens leads Stevens Insurance Associates with decades of industry experience. He specializes in commercial insurance and bonding solutions, maintaining active involvement in client relationships and agency operations.
Kim Stevens
Commercial Account Manager
Kim Stevens manages commercial accounts with expertise in business insurance programs. She works closely with clients to develop comprehensive protection strategies tailored to their specific industry needs.
Kim Sarratore
Personal Account Manager
Kim Sarratore specializes in personal insurance solutions, helping clients protect their homes, vehicles, and families with customized coverage options.
Gayle Chernak
Personal Account Manager
Gayle Chernak provides personalized insurance services, focusing on building long-term client relationships and ensuring comprehensive personal asset protection.
Amy Plahtinsky
Producer
Amy Plahtinsky assists clients with insurance needs, emphasizing competitive pricing and thorough policy reviews to maintain adequate coverage levels.
Questions
What types of insurance do you offer?
We offer auto, home, life, business, farm, flood, boat, motorcycle, RV, workers' compensation, and specialty insurance products.
Do you provide coverage outside Tennessee?
We are licensed to serve clients in both Tennessee and Georgia with comprehensive insurance solutions.
How can I lower my insurance costs?
We help clients maximize discounts through policy bundling, higher deductibles, good student programs, and paid-in-full options.
What happens if I need to file a claim?
Our team advocates for you during the claims process, ensuring prompt communication and fair resolution with insurance carriers.
Do you offer business insurance for contractors?
Yes, we provide specialized contractor bonds and commercial insurance packages for construction businesses of all sizes.
Can you help with high-risk insurance needs?
We work with specialty carriers to provide coverage for unique risks including flood insurance exceeding NFIP limits and hard-to-place commercial exposures.
