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Property Insurance in Chattanooga, TN

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at River City Insurance, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from River City Insurance who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with River City Insurance before making a decision.

Our Location

River City Insurance

3320 Dayton Blvd
Chattanooga, TN 37415
Main office: 423-425-9312
Fax: 423-843-2554

Our Providers

Testimonials

Jim has been my agent, my Dad’s agent and my children’s agent for years. We also send many of our credit union clients to River City Insurance and we know that they will be treated professionally, promptly and fairly.

Manager of local Federal Credit Union
Jim gave us better coverage and saved us money. I would encourage any Church to let Jim give you a quote.

Director of Missions, Copper Basin Baptist Association
Jim saved me money and his staff does a great job servicing what I send them.

Local Mortgage Banker
River City Insurance shops your coverage to find the right coverage and company at the right price.

Director of Operations at a local Mortgage Company
Jim has been my agent for years and he has done a great job.

Co-owner White and Peels Automotive Repair