Tennessee-based · Licensed statewide
Home and auto, matched to what you actually need.
When something happens, you call people you’ve met – not a call center. Same people who wrote the policy, same people who pick up the phone.
Serving Tennessee Residents
Where we work
Home, Auto & Life Insurance
Under one agency
Our team, start to finish
From quote through claim
How we get you the right coverage
Most agents work with a handful of carriers they’re comfortable with. We built our process around comparing a lot more than that – so instead of picking from five options, you’re being matched against the whole field. You tell us what matters more: the lowest price, or keeping the coverage you already have. We go find it.
Real comparison
Access to 150+ carriers means we’re not just quoting the two or three companies most agencies default to.
Built around your priorities
Some people want the lowest number. Some want to keep coverage they already have. We ask which one matters more before we start.
A real person, every step
You’re not filling out five forms for five companies. One conversation, one comparison, one team to call.
Get covered at the right price
Home
Houses, condos and renters. Structure, contents, liability, and the parts people usually find out about too late.
Auto
One car or five, plus the drivers you worry about. Liability, collision, comprehensive, and what happens when the other driver has none.
Both together
Where most households find room. One renewal date, one agent, one conversation a year instead of three.
Why work with a local agent?
Bundling, explained honestly
Home and auto together often costs less than the two apart. We will show you the numbers either way, including when it does not.
A direct number
No phone tree, no ticket number. You reach the person who knows your policy.
Reviewed, not just sold
We read what you already have first. If your current coverage is the better deal, we will say so.
Here, not somewhere else
Based in East Tennessee, working with people who live where we live.
Three easy steps to potential savings
1
Tell us what you have
Send over your current declarations page, or just the basics if you cannot find it.
2
We read it properly
Line by line, so the comparison is like for like rather than headline price against headline price.
3
You decide
If we cannot do better, we will tell you that too. No pressure either way.
MEET THE OWNER
Justin Tharp, Licensed Agent & Broker
Justin Tharp owns and operates Justin Tharp Agency, serving Tennessee from our office in Morristown. Whether it is a quote, a policy change or a claim, you are dealing with him and his associates – never a call center.
Questions people actually ask
Do I have to move both policies to bundle?
Generally yes — a bundle discount applies when the policies sit together. What we can do is time the switch so you are not paying twice or leaving a gap in coverage.
What do you need from me to run a comparison?
Your current declarations page is ideal, because it shows limits and deductibles rather than just the premium. Without it we can still work from the basics: addresses, vehicles, drivers, and roughly what you pay now.
Will switching hurt my rate later?
Continuous coverage is what matters most, and switching does not break it as long as the new policy starts when the old one ends. A lapse is the thing to avoid, and avoiding it is part of the job.
Is there any cost to getting a comparison?
No. You are under no obligation to move anything, and if your current policy is the better deal we will tell you.
Let’s see if you can save.
Takes a couple of minutes. No obligation, and a real person follows up.
Rather just talk to someone?
Call and you will get a person, not a queue.