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TIS Insurance Services

Personal Lines

At TIS, we have a very serious approach to personal insurance and recognize that your situation is unique. We consider it a privilege that you would allow us to assist in protecting your personal assets. Our competitive advantage lies in providing our clients with customized solutions. We represent a number of financially strong insurance companies to ensure that once we identify your needs, we can deliver the insurance products that are right for you. That is just the beginning.

After your insurance program is in place, we are there to provide continued advice, particularly in the unfortunate event of a claim — the time when you need us most. Each personal insurance client at TIS has a designated personal account manager available to oversee the day-to-day details of their account. With well over one hundred combined years of experience within our division, we have the expertise and knowledge to appropriately meet your personal insurance needs.

Homeowner’s Insurance

Your home is perhaps your most valuable asset. Get the advice you need to make sure you are properly protected and not surprised in the event of a claim. While many view homeowners’ coverage as a commodity, the fact is that not all policies are the same. For example, many insurers have abandoned guaranteed replacement cost coverage, the provision that insures your house will be rebuilt following a total loss, regardless of your limits or cost. We will advise you on this issue. And you will want an agent who can explain the policy limits for jewelry, furs, and other valuables and who will explain ways to broaden these coverages if needed, before a loss. Come to TIS for true individualized counseling so that you can rest easier knowing that your property is properly covered.

Automobile Insurance

Do you have sufficient automobile liability limits? Will you be protected against liability claims in the event you are involved in an at-fault accident? Most individuals do not understand how the personal automobile policy responds to these exposures. At TIS, we want to make sure you understand this issue so that you can select the liability limits right for your financial situation. In addition, we will advise you on this and other issues such as whether you need to purchase liability coverage when you rent a car and which deductibles are the most cost efficient. Let us advise you on the most effective way to manage these risks.

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Contact Personal Lines

Kevin Shires
CIC | Designated Personal Insurance Advisor             865.824.6916

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Homeowners
Automobile

Please note:

Flood is not a standard coverage on the Homeowner’s policy. It is a policy that can be purchased separately for an additional premium. Earthquake is also not a standard coverage on the Homeowner’s policy, but it can be purchased for an additional premium and included on the Homeowner’s policy.

Watercraft Insurance

The increased popularity of water sports and personal watercraft make liability coverage more challenging. TIS Insurance Services has the right relationships to secure the coverage you need to protect yourself and your marine assets.

Personal Liability & Umbrella
Did you know…

A Personal Umbrella client with one house and two vehicles often pays less than $225 in annual premium for $1,000,000 of additional liability insurance coverage.

Did you know…

The frequency and cost of lawsuits has increased dramatically in the past decade. The following claims are real-life examples of lawsuits filed every day.

  • Internet Blogger: The insured’s daughter hated math class as well as the teacher. The daughter made several “disparaging” remarks about her teacher online. The teacher successfully sued the parents for $750,000.
  • Faulty Furnace: The insured’s tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000.
  • Coaching Circumstances: A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.
Did you know…

Your family and your daily activities result in lawsuit exposures every day. You should consider purchasing a Personal Umbrella Policy if:

  • Your assets are greater than your insurance liability limits.
  • You are financially responsible for children.
  • You frequently host guests on your property.
  • Your residence includes a swimming pool.
  • You own watercraft or off-road vehicles.
  • You own rental or vacation properties.
  • You participate in volunteer activities.