PERSONAL INSURANCE
Protecting our clients' Families, Cars, Homes & Futures
Life moves fast—from long commutes on I-24 to weekends by the Tennessee River—and the right personal insurance keeps your family prepared, not panicked. At Patriot Insurance Solutions, we know that no two households are alike. That’s why we don’t offer cookie-cutter coverage. Instead, we listen first, then build a personalized protection plan around your life, your budget, and your long-term goals. Whether you’re buying a first home in East Brainerd, getting your teenager insured in Red Bank, or reviewing Medicare options before retirement on Signal Mountain, we’re here to guide you every step of the way.
We’re local, we’re independent, and we’re always on your side.
Homeowners Insurance
Your home isn’t just your biggest investment—it’s where your life happens. We help homeowners in neighborhoods just like ours protect their property, belongings, and peace of mind with coverage that fits their structure, location, and lifestyle.
Renters Insurance
Even if you don’t own the building, you still need to protect what’s inside. We help renters in apartments, townhomes, and college housing get affordable protection for personal belongings, liability, and more.
Auto Insurance
From the Ridge Cut to the Georgia state line, Chattanooga drivers face real risks every day. Our auto insurance options cover liability, collision, uninsured motorists, and more—with local support when you need it most. Whether you’re driving across town or cross-country, we’ll make sure you’re covered without overpaying.
Health & Medicare Plans
Choosing a Medicare plan can be overwhelming. We simplify the process by helping seniors across the tri-state area explore Medicare Advantage, Medigap, and prescription drug plans that align with their medical needs and budget.
Life Insurance
Life insurance isn’t just for now—it’s for the future. We’ll help you find flexible, affordable plans that safeguard your loved ones’ financial security through every stage of life from birth to retirement.
Retirement & Annuities
Planning for retirement is more than savings—it’s strategy. Our annuity and retirement planning options help individuals create stable, tax-efficient income streams to support their next chapter beyond their workplace funded plans.
Umbrella Insurance
Sometimes your basic policies aren’t enough. Umbrella insurance provides additional liability protection, giving you peace of mind against major claims and lawsuits.
Frequently Asked Questions about personal insurance
How do I know how much home insurance I actually need?
The right amount of homeowners insurance depends on more than just the market value of your house. It should reflect the cost to rebuild your home in today's current construction climate, plus coverage for your personal belongings, liability protection, and any unique risks—like flooding or nearby fire zones. We’ll walk you through a full risk assessment and help you choose a policy that protects your entire property, not just the basics.
What’s the difference between term and whole life insurance?
Term life insurance covers you for a set period—usually 10, 20, or 30 years—and is generally the most affordable option. Whole life insurance offers lifetime coverage and builds cash value over time. If you're in your 30s with a mortgage in Red Bank, term life might be ideal. But if you're looking for legacy planning or lifelong protection, whole life may be the better fit. We'll explain both in plain English so you can make the best decision for your family.
Do I need renters insurance if my landlord already has insurance?
Yes. Your landlord’s policy only covers the building—not your personal belongings or your liability. Renters insurance helps cover everything from your clothes and electronics to temporary housing if the apartment becomes unlivable. It also protects you if someone is injured in your unit. And in Chattanooga, it’s surprisingly affordable. Many policies cost less than a dollar a day.
When should I start thinking about Medicare?
If you’re approaching 65 or planning retirement, now’s the time to start. We recommend reviewing your Medicare options 3–6 months before you turn 65 to avoid penalties or coverage gaps. We’ll help you understand how Original Medicare works, explore supplemental plans, and compare options like Medicare Advantage based on your doctors, prescriptions, and budget. Our advisors work with seniors across Chattanooga and North Georgia to make this transition smooth—not stressful.
Can I bundle my home and auto insurance for better rates?
In many cases, yes. Bundling your home and auto insurance with in the same agency can lead to premium discounts and simplified billing. As an independent agency, we’ll shop across multiple carriers to find the best bundle for your needs—whether that’s saving money or improving coverage. From downtown condos to cabins in Pigeon Forge, we’ll help you make it work.