Personal Auto/Home/Umbrella Insurance from Barnes Insurance Agency

Barnes Insurance Agency provides a broad portfolio of insurance products to the communities we serve, including the vital coverages of Auto, Home and Personal Umbrella. Whether you’re buying your first car, have a number of family cars, or replacing a vehicle with a new model, rely on Barnes Insurance Agency to provide you with the Auto insurance you need to properly protect against liability and property damage.

The same also goes for the home you own – whether you’re a new home buyer, upgrading to a larger house as your family expands or moving to another location, we have access to a number of insurance carriers to offer top-quality protection at competitive prices. A Personal Umbrella policy, which serves to extend your liability limits under your primary policies, can be added to make sure your assets are safeguarded, particularly important in today’s litigious environment.

Auto insurance.

When reviewing your Personal Auto insurance needs, we’ll create a comprehensive program that may include the following features:

  • Bodily Injury/Property Damage Liability: Protects you from loss due to injuries and property damage you may cause to others while operating your auto.
  • Uninsured/Underinsured Motorists: Provides injury expenses incurred by you, your family members, or passengers due to an accident by a motorist who is uninsured or underinsured.
  • Medical Coverage: Pays medical expenses of the driver and occupants of your insured auto.
  • Comprehensive Coverage: Protects you from damage caused by things other than a vehicle collision, such as fire, theft, and vandalism.
  • Collision Coverage: Protects you from loss should another vehicle collide with yours.

There are additional coverages we can discuss with you including Towing & Labor, Full Glass Coverage, and Rental.

Home insurance.

Home is where your family nests, where the majority of your prized possessions are, and where you’re creating memories. You take special care of your home, including wanting to find the best insurance protection available to safeguard you and your family against property damage and liability exposures. At Barnes Insurance Agency, our team of experienced insurance professionals specializes in insuring all types of homes, including high-value properties. Our policies can cover the basics, with Property and Liability coverage for damaging events, such as fire, theft, vandalism or injury, or they can be tailored to take into account high-end collections, such as art, silver, wine, jewelry and more. The policy will also cover legal defense if you or your family should be brought into a lawsuit alleging that you’re responsible for injuries or property damage to others.

Umbrella insurance.

Million-dollar verdicts are not as rare as they once were, especially when it comes to liability suits. This is why at Barnes Insurance Agency, we suggest that your personal insurance program be supplemented with an Umbrella policy. The policy operates in concert with your basic coverages to offer more protection for risks of bodily injury and property damage, along with coverage for other risks that your standard policies may not insure. It offers an extra layer of insurance coverage over your standard liability policies. So, if you have, for example, a $300,000 liability limit on your Auto policy, and purchase a $1 million Umbrella policy, you would have $1.3 million in coverage.

Securing comprehensive insurance is personal to us.

Barnes Insurance Agency serves the communities of Sevierville, Pigeon Forge, Gatlinburg, Knoxville, Maryville, Alcoa, Nashville, Chattanooga, Kingsport, and Johnson City. We will provide you with the personalized attention you need for managing your assets and securing products that accommodate your lifestyle today and into the future. Contact us toll-free at 877-279-2500; you can also email us at

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