Life happenshere.
We compare several companies. A single-company agent sells one.
Home, auto, and the life you’re building, from people in Harrogate who know where Tennessee, Kentucky and Virginia meet. Independent since 1992.
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Cumberland Gap, where Tennessee, Kentucky and Virginia meet. Photo: National Park Service
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Claims & Payments Service Center Proof of InsuranceFrom your first set of keys to your favorite back road.
Tell us what life looks like for you. We’ll help you compare the options.
Home coverage that fits where you live.
Standard home policies leave out flood and earthquake, and creeks here rise fast. In 37 Kentucky counties, including Bell, Harlan, Knox and Whitley, insurers must offer mine subsidence coverage. We ask about all of it before you decide.
Covers home, renters, and home and auto bundles
Three states, three sets of minimums.
We quote drivers in all three. The minimums differ, and we help you decide how far above them to go.
- Tennessee
- 25/50/25
- Kentucky
- 25/50/25 + $10,000 PIP
- Virginia
- 50/100/25 since 2025
Covers cars, trucks and every driver in the household
Room to roam, with an umbrella over it.
Boats, campers, motorcycles and ATVs each need their own policy. An umbrella sits on top of your home and auto liability; the Insurance Information Institute puts the first $1 million at about $150 to $300 a year nationally.
Covers boat, motorcycle, RV, ATV and umbrella
Independent means more than one price.
A single-company agent can quote one company. We compare coverage and price across the carriers below, and you keep working with the same local team. Availability and eligibility vary by state and policy.
A name you know. A person you can call.
Geoffrey spends his free time kayaking, fishing, and exploring the Appalachians. Marissa is happiest with her family and their two dogs.
At work, we help you sort through coverage questions and take care of the changes along the way.
Get to know usAround here, a lot of us wear more than one hat.
Own a business, too? Campbell Insurance writes commercial coverage, with the markets and know-how to match.
Talk to us about business insuranceLet’s talk about you.
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