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FAQ
In providing great customer service, we have listed common questions you may need answers to. If you do not see a question that pertains to you, please use the search option or contact our office directly at (423) 562-3346.
Q. What are your office hours?
A. We are open Monday – Friday, 8am – 5pm
Q. Can I get boat insurance through your company or do I have to find a specialty insurance company?
A. Gray Insurance Agency can provide you with insurance to cover any type of marine vessel.
Q. Do you provide business insurance for small business owners?
A. Yes. We at Gray Insurance can custom tailor a policy to fit your business needs. Please contact one of our customer service representatives to answer any other questions you may have.
Q. Do you insure lakefront properties?
A. Our agency specializes with insuring lakefront developments and properties therein. We will help you with providing the right policy and coverages for your unique needs.
Q. What if my lakefront property is not my primary home?
A. We can assist you with your primary home or secondary home in the mountains or lakefront communities.
Q. What if I rent my property to others?
A. If you rent your property to others we have a special policy to meet your needs.
Q. Do you insure log homes?
A.Yes, we do insure log homes.
Q. What states are you licensed to do business in?
A. Tennessee, Kentucky, Ohio, Virginia, and North Carolina.
Q. What if I need assistance in other states?
A. We have relationships with other professional agencies across the United States.
Q. I may need your help in obtaining homeowners insurance for closing on short notice from out of state. Can you help me over the phone?
A. Yes, we have a full time field inspector to measure and photograph your property. With the use of fax machines, telephone, and email we can quickly obtain the information we need from you to promptly issue you a policy in time for your closing.
Q. How can I save money on my auto insurance?
A. Having both your auto and home insurance with the same company may entitle you to a Home/Car Discount. The same holds true for Life or Health Insurance. Having more than one vehicle insured with the same company may entitle you to a Multi-Car Discount. Choosing a vehicle equipped with front-seat air bags and/or occupant restraint systems may qualify you for a discount on your auto insurance. Installing an anti-theft device on your vehicle may allow you to receive another discount. Good drivers may also be entitled to an Accident Free Discount after five years of accident-free driving.
Q. What are the different types of auto insurance?
A. Liability insurance is the minimum required in most states. Liability insurance covers injuries and property damage to others resulting from an accident.
Collision insurance covers damage to your vehicle in an accident. Collision is generally optional unless your vehicle is financed or leased.
Comprehensive insurance covers damage to your vehicle for losses resulting from things other than collision, such as damage from fire, theft, falling objects, storms, collisions with birds or animals, and glass breakage.
Q. What is term life insurance?
A. Term life insurance provides protection over a specific period of time. It pays a death benefit only if the insured dies during this specific period of term. Terms can vary from policy to policy. Term life insurance does not build cash value.
Q. How is permanent life insurance different from term life insurance?
A. Permanent life insurance provides lifelong protection as long as the premium requirements are met. Most permanent life insurance builds a cash value. Two types of permanent life insurance include whole life insurance and universal life insurance. With whole life insurance, the premiums remain level over the life of the policy. Many whole life policies pay dividends or excess credits to the policy owner. Universal life insurance offers a guaranteed death benefit opportunity, premium payment flexibility, and access to the cash value. The cash value grows at an interest rate set quarterly by the issuing company.
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