Skip to main content

Providing Peace of Mind – Affordably

Getting a quote is quick and easy

Let’s Get Started

Instant Home Quote

Instant Erie Auto Quote

Instant Auto Quote

 Instant Renters Quote

Instant Business Quote

Instant Disability Quote

Insurance throughout Tennessee, in Knoxville, Chattanooga, Nashville, Cookeville, Maryville and Memphis. Also in Asheville, NC.

Applegate Insurance Agency offers personal insurance and business insurance.

Personal Insurance

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Business Insurance

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

About Applegate Insurance Agency

Applegate Insurance Agency is an independent insurance agency located in Knoxville, TN. We specialize in renters insurance, auto insurance, home insurance and business insurance, and offer services throughout Tennessee in Chattanooga, Nashville, Cookeville and Memphis. Also in Asheville, NC. We can get you the coverage you need for any stage of life.

Our focus is on you. We tailor your insurance coverage to meet your unique needs at any stage of life. We partner with numerous top-rated insurance companies to consistently offer broader, deeper coverage at a better value. It’s a ‘win-win’ for you. Get an online quote or ask us to call you or call us for your personalized quote at 865-240-2348.

Customer Service Is Our Passion

As your trusted insurance agent, we know it is our responsibility to provide you with the best service, coverage and to continually earn your loyalty by repetitive positive results. That’s why customer service is our top priority. Our passion is to help our clients manage and limit the financial and emotions impact accidents have on your family & dreams. Get an online car, home or business quote or ask us to call you.

Erie Insurance Logo
Featured Testimonials

Jeffrey Sullivan has been wonderful to work with. After speaking to him, he was able to email me all my information since my work schedule doesn’t always allow me to be on the phone. Fast quotes, saved me lots of money with the same (and some better) benefits!

Jennifer R.Knoxville, TN

Jeffery Sullivan is by far the best agent I have had the pleasure to work with. He took care of all my insurance needs.

Mike P.Tennessee

Just switched a couple of vehicles over from USAA and I’m saving almost $1000.00 per year! Make no bones about it, I thought these rates were too low to be true but I am getting the EXACT SAME COVERAGE. Jeffery Sullivan and Erie Insurance – ABSOLUTELY AMAZING!

Matt C.Tennessee

Five Stars!

Trevor T.Tennessee

Five Stars!

Sheila T.Sevierville, TN

Just can’t say enough about Applegate Insurance and Jeffery Sullivan. He was able to save us hundreds of dollars on home/auto/motorcycle insurance. Jeffery was very kind and extremely helpful through the process.

Nina M.Tennessee

Very positive about doing business with Applegate Insurance. I work for rideshare so Applegate is only one of two providers of car insurance that covers rideshare operators.

Joshua J.Tennessee

Jeff is a true pleasure to work with. I thought I was with the best insurance company out there but after a free consultation from him I learned otherwise. Jeff compared apples to apples my coverage and rates to his and found I WAS PAYING WAY TOO MUCH. He showed me a way I could get better coverage on my home and auto and still pay less! Thank you Jeff!

Gina A.Ten Mile, TN

Mr. Sullivan has always done an excellent job with all of our personal and business insurance needs! I give him the highest recommendation for client satisfaction and superior customer service. Friendly, helpful and confident, a pleasure to do business with!

Derek P.Knoxville, TN

Just switched over from Nationwide to Eerie thanks to my mortgage provider recommending me! It’s amazing the coverage that you get compared to other insurances! I would recommend this insurance to everyone! Jeffery Sullivan also made it an extremely easy process and answered every question I had! Unlike other insurances when you speak to someone about switching or your account, Jeffery made it seem as if you were just speaking to a friend you’ve known for a very long time! AMAZING customer service! Very easy to switch over from Nationwide and AMAZING price/coverage you can NOT get any where else!

Christian L.Knoxville, TN

Received a quote during our home purchase process and Jeffery at Applegate Insurance was able to provide home and auto for about the same cost we were paying for just auto with our prior carrier.

Shawn A.Sevierville, TN

Areas We Serve

Insurance throughout Tennessee, in Knoxville, Chattanooga, Nashville, Cookeville, Maryville and Memphis. Also in Asheville, NC.

Knoxville, TN
Chattanooga, TN
Nashville, TN
Cookeville, TN
Memphis, TN
Asheville, NC
There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

View All Graphics
Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions
Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.


Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Additional Living Expense
Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.


Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.


Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.


Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments
Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.


Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home
Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?


Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability
Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.


Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Applegate Insurance Agency Client Portal

Manage your account with us quickly and easily!

Report Claim
Request Policy Change
Request Certificate
Request Auto ID Card
Pay Bill
Policy Review

Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

  • Coverage will not be bound or changed until confirmed by a licensed agent.
  • This field is for validation purposes and should be left unchanged.