Business Details
Your Trusted Insurance Partner in Chattanooga
Stevens Insurance Associates has built a reputation as a trusted insurance agency serving clients in Tennessee and Georgia. As independent agents, we prioritize our clients' needs by shopping their requirements across multiple top-rated insurance carriers to secure the best coverage at competitive rates. Our team brings decades of combined experience in the insurance industry, offering personalized service that adapts to evolving client needs. We specialize in tailoring comprehensive insurance solutions for personal, commercial, and specialty risks, ensuring clients receive both quality coverage and exceptional support.Our commitment to transparency and client education empowers informed decision-making, while our proactive approach includes regular policy reviews to maintain adequate protection. With a focus on long-term relationships over 30+ years, we combine industry expertise with a family-owned ethos to deliver reliable insurance services that protect what matters most to our clients.
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Flood Insurance
Boat Insurance
Workers Compensation
Umbrella Liability
Farm Insurance
Bond Services
Highlights and features
- We are independent agents representing multiple top-rated insurance carriers
- Our team has over 30 years of experience in personal and commercial insurance
- We provide personalized policy reviews to ensure adequate coverage
- Licensed to serve clients in both Tennessee and Georgia
- We offer competitive rates through comprehensive market comparisons
What people say
Better service
Cost us much less
Peace of mind
Best customer service
Competitive rates
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual vehicle needs. Our policies include replacement cost coverage, rental reimbursement, OEM parts protection, and umbrella liability options. We offer specialized coverage for motorcycles, RVs, and specialty vehicles while providing discounts for bundling policies, good students, and safe drivers. Our team helps clients navigate coverage options to ensure proper protection at competitive rates.
Business Insurance
Our business insurance programs protect diverse commercial operations including retail, manufacturing, contractors, and professional services. We offer customizable packages combining property, liability, workers' compensation, and inland marine coverage. Specialized solutions address unique risks for landlords, churches, and commercial property owners. Our expertise includes bonding programs for contractors and risk management strategies tailored to specific industry needs.
Home Insurance
We provide comprehensive home insurance with enhanced coverage options for modern risks. Our policies include protection against water backup, ordinance compliance, and valuable item coverage for art and jewelry. We offer specialized programs for condominiums, townhomes, and rental properties while emphasizing proper valuation to prevent underinsurance. Discounts are available for mortgage-free homes and bundling with other policies.
Life Insurance
We offer term and whole life insurance solutions to protect families and business interests. Term policies provide affordable coverage for specific periods with options for mortgages and educational expenses. Whole life policies combine death benefits with cash value accumulation. We also provide children's life insurance policies with guaranteed increases to establish early financial protection for future needs.
Flood Insurance
Our flood insurance programs combine NFIP coverage with private market options to meet high-value requirements. We provide up to $500,000 in NFIP coverage for homes and businesses with additional private capacity for commercial properties needing up to $5 million protection. Our specialists help clients understand flood risk zones and implement comprehensive water damage protection beyond standard policy limits.
People
Chuck Stevens
President
Chuck Stevens leads Stevens Insurance Associates with over 30 years of industry experience. He specializes in commercial risk management and has built strong relationships with top-rated insurance carriers to benefit clients.
Kim Stevens
Commercial Account Manager
Kim Stevens manages commercial insurance accounts with expertise in business risk assessment. She works closely with clients to develop customized insurance solutions that address specific industry challenges and operational needs.
Kim Sarratore
Personal Account Manager
Kim Sarratore specializes in personal insurance solutions, helping clients protect their homes, vehicles, and families. She provides personalized service with attention to detail in policy selection and coverage optimization.
Gayle Chernak
Personal Account Manager
Gayle Chernak assists clients with personal insurance needs, focusing on customer satisfaction and comprehensive coverage. She has extensive experience in homeowners and auto insurance products.
Amy Plahtinsky
Producer
Amy Plahtinsky helps clients find insurance solutions that match their protection requirements. She works with both personal and commercial clients to ensure proper coverage while maintaining excellent customer service.
Questions
What types of insurance do you offer?
We offer auto, home, life, business, flood, boat, farm, workers' compensation, and umbrella insurance, along with bonding services for contractors.
Are you licensed to operate in my state?
We are licensed in Tennessee and Georgia, providing services to clients in both states through our independent agency network.
How do you help find competitive rates?
As independent agents, we compare policies across multiple top-rated carriers to find the best coverage at competitive prices for each client's specific needs.
Do you offer business insurance for contractors?
Yes, we provide comprehensive business insurance including bonding programs specifically designed for contractors in various trades and specialties.
What flood insurance options exist for commercial properties?
We offer NFIP coverage up to $500,000 and private market options for commercial properties requiring up to $5 million in flood protection beyond standard limits.
Do you provide annuity products?
Yes, we offer annuity products with a $2,000 deposit option that provides 5% off personal policies and features no-load fees with a single maturity date.
Reviews (2)
Scott Brown
Nov 14, 2017
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I've been doing business with Stevens Insurance for over 15 years. They are good people and the service has been great.
Becky P.
Jun 09, 2017
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Great family owned and operated business. They had more than competitive rates and a real at home feel. I highly recommend them!