Insurance Products in Kingsport, TN

 
David Pendleton and Associates strives to provide you with the best insurance rates and coverages suited to your particular lifestyle. Let us take care of all your personal and business insurance needs! We are an independent insurance agency with a wide range of insurance providers including Erie Insurance Group, Progressive, Blue Cross Blue Shield and John Hancock.
Our Insurance Products
 
Homeowners

You've made the investment, now protect your home and belongings with homeowner's insurance. We have several insurance policies with competitive pricing for your home or condominium. Let the experts at David Pendleton and Associates find the perfect one for you and your family.

  • Personal Property
  • Dwelling
  • Liability
  • Medical Payments
  • Loss of Use
 
Home owners sold a house - property insurance in Kingsport, TN
 
 
Renters

You still need to protect your belongings as a renter from unexpected damages or injuries. Did you know that renters insurance covers everything from clothing and furniture to hotel expenses? Contact our office today to learn more! Coverage for:

  • Theft
  • Damage
  • Personal Liability
 
Father playing football on backyard - insurance in Kingsport, TN
 
 
Auto

Next to your home, your car is often the most expensive piece of property you own. So, it is important to find the best auto insurance value. There are a number of ways that you can reduce the cost of your insurance premiums while obtaining the coverage you need.

  • Higher deductibles
  • Multi-policy/multi-car discounts
  • Safe driver discounts
  • Pay plan choices
  • Claims free discounts
 
Woman enjoying car ride - auto insurance in Kingsport, TN
 
Call us or stop by our office to discuss your eligibility for discounts. We're always happy to find ways to save you money on your car insurance.

For more details or information, visit Erie, Progressive, or complete our Agency Quote Form.
 
Boat

Boating can be even more relaxing and enjoyable when you have insurance to cover hazards and risks of boat ownership. That's why we offer specialized coverage for your boat or watercraft. Boat insurance covers many types of watercraft, including sailboats, jet boats and houseboats. With multiple options available, we can customize boat insurance for your needs and within your budget.

  • Theft of watercraft
  • Collision and accidents
  • Coverage for permanently attached equipment
  • Watercraft liability
  • Passenger coverage
  • Emergency service
 
Couple driving speedboat - boat insurance in Kingsport, TN
 
Contact us, and we'll help you choose the best coverage for your watercraft. And, we'll make it fast and easy for you.

For more details or information, visit Erie, Progressive or complete our Agency Quote Form.
 
Business

You worked hard to start and maintain your business. Yet, there are risks you face each day that can threaten what you've built. We can help you evaluate insurance products that protect you and your business.

  • Property & Casualty
  • Commercial Auto
  • Garage/Auto
  • Business catastrophe liability
  • Workers compensation
  • Employment practices liability insurance
  • Group Medical, Life, Dental, STD, LTD, etc.
 
Group of business people - business insurance in Kingsport, TN
 
Stop by or call us today for a free business insurance analysis, or fill out our Agency Quote Form.
 
Disability

One of the most common causes of income loss is through a disability. Most disabilities are temporary, but any loss of income can be devastating if you are not financially prepared. If you can't work due to illness or injury, disability insurance helps pay your living expenses. Many employers offer this coverage, so it's always good to check into this. We work with you to assess your needs and find the disability plan that is right for you. If need to purchase your own or supplement an existing plan, there are still ways to save money.

  • Longer waiting period before disability starts
  • Short-term vs. long-term coverage
  • Lower percentage of your existing salary
  • Shorter benefit periods
 
Man on wheelchair with his wife - disability insurance in Kingsport, TN
 
If you're self-employed or don't have disability coverage, you should seriously consider the financial consequences if a disability occurred. Contact us for a free analysis and options on disability insurance.

Feel free to get started by completing our Agency Quote Form.
 
Health

There are many ways to save money on insurance, but going without health insurance coverage isn't one of them. Medical bills from even a minor accident or illness can deplete your savings, and a major illness can put you in bankruptcy. We work with you to evaluate your health care needs, determine your options and get the most for your money. You can choose a plan based on your individual needs and save money too when we help analyze your needs and discount options.
  • Higher deductibles
  • Co-pay options
  • Prescription coverage
  • Maximum cost & expense protection
 
Stethoscope lying on cardiogram chart - health insurance in Kingsport, TN
 
Remember you will be penalized as of 2014 if you are not covered by either group or individual health coverage.
Having health insurance helps protect your family from the high cost of medical problems, and it helps you protect your assets. Medical insurance is too important to skip. Contact us to learn about plans that can meet your needs and budget.

Feel free to get started by completing our Agency Quote Form.

Don't get caught up in a 1-800 nightmare!
 
Life

Life insurance should be a part of your overall financial plan, but how much do you need and what policy is right for you? We work with you to ensure that your life insurance meets your needs – funeral costs, mortgage, and funding so your dependents don't have the extra burden of debt. You have a choice between two basic types of life insurance.
Remember that Under the Affordable Care Act all of us are required to be covered by either a group or an individual health policy. They're are penalties for non-compliance.
 
Middle-Aged Couple - Health Insurance in Kingsport, TN
 
Temporary needs include home mortgages, short-term debt reduction, family income and educational expenses that can last from as little as one year to 15 years.

Term insurance provides affordable coverage for a specified number of years. It is the most cost-effective way to cover costs for loved ones left behind.

Permanent needs include those that last for your entire life, or potentially for periods of 15 years or more. Unlike term, permanent life insurance can build cash value that increases the longer the policy is in force. Permanent needs may include final expenses and funds to cover estate taxes and retirement savings protection.

Whole and universal life plans are well suited for meeting these goals.

Appropriate coverage gives you peace of mind and makes all the difference when it comes to the loved ones you leave behind. We will help you every step of the way. Contact us today to discuss the life insurance program that best fits your needs.

Feel free to get started by completing our Agency Quote Form.
Long Term Care

Long-Term Care (LTC) insurance helps provide for the cost of personal and medical care that is not covered by health insurance or Medicare.

Medicaid will pay for care but only after you qualify based on both state and federal guidelines regarding your financial status. In addition, not all facilities accept medicaid patients.

Individuals who require long-term care are usually unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

Some may refer to LTC as “Staying out of Nursing Home Coverage”. It can help keep you at home by paying for the types of help required to make that possible.

Home health nurses and other professional help as well as paying for non-professional help providing daily living assistance. This coverage could be needed by you, a spouse, or for an aging parent. We can help you evaluate your situation and provide options to help you meet your needs.

Stop by or contact us to learn about plans that can protect you while staying within your budg
Miscellaneous

While we have covered the more common types of insurance policies on our website, we can customize many other miscellaneous insurance policies for your needs. When the insurance industry expands to insure niche areas, we're right there with them. You can be confident that we'll have the most up-to-date information to optimize your insurance coverage.

If you don't see what you need, contact us. We view requests that deviate from the norm as an opportunity to provide excellent service.

Feel free to get started by completing our Agency Quote Form.
 
Motorcycle

It's all about being on the open road when you're riding your motorcycle. Don't let concerns about having the right insurance intrude on your pleasure. Our motorcycle insurance is tailored to your needs, with optional coverage for accessories, gear and other items. Even if you have been riding for years, it's a good idea to review the coverage of your motorcycle insurance.

  • Bodily injury
  • Physical damage
  • Theft, fire and vandalism
  • Side cars
  • Customized add-on equipment
  • Uninsured/Underinsured Motorist
  • Medical Payments
 
Couple in the dessert - auto insurance in Kingsport, TN
 
Contact us to discuss affordable options for motorcycle insurance. We'll handle the details, and you'll know that you're prepared to enjoy the call of the open road.

For more details or information, visit Erie, Progressive or complete our Agency Quote Form.
 
Property

David Pendleton & Associates offers a variety of home insurance policies tailored to suit your individual needs and budget. Maybe it's time to re-evaluate your property insurance to ensure that you have adequate coverage. And, we will also review discounts that can reduce your home insurance rates.

  • Higher deductibles
  • New home discounts
  • Multi-policy discounts
  • Alarms and sprinkler systems
Contact us to re-evaluate your existing property coverage or for new home insurance. We always strive to find the best coverage at the lowest cost for you.
 
Couple with a mansion house - property insurance in Kingsport, TN
 
For more details or information, visit Erie, or complete our Agency Quote Form or call today! 423-239-7283