Personal Lines, Personal Touch.

We are a full-service personal lines agency, offering leading National and Regional insurance carriers. Choose a product below to continue, or simply fill out the form to the right, and we'll get in touch as soon as possible!

  • Auto
  • Home
  • Life
  • Health
  • Umbrella
  • and much more!
  • Oak Ridge

    800 Oak Ridge Turnpike C-104
    Oak Ridge, TN 37830
    Phone: 865.425.7300

  • Clinton

    423 S Charles G. Seivers Blvd
    Clinton, TN 37716
    Phone: 865.457.0981

  • Rock Hill

    739 Galleria Blvd. Ste 120
    Rock Hill, SC 29730
    Phone: 800.333.8771

  • Kennesaw

    3440 Blue Springs Rd S-203
    Kennesaw, GA 30144
    Phone: 800.916.2220

More Info

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  • "Stacey is really passionate about what she does and about helping people. Because of her attention to details and persistence; we now have more insurance coverage and are saving about $11,000 a year on all of our personal and commercial lines of insurance."
  • "I have been working with MIG for over a year. They are always prompt in returning my phone calls. MIG takes wonderful care of their clients. Their rates are competitive and the coverage is excellent."
  • "I have worked with Stephanie for a few years now. I refer my clients to her because she have over fifteen carriers to shop from for the best option. My clients have been really pleased with her service and so have I."
  • "Stacey is a true professional. Her work ethic and attention to detail is second to none. She goes above and beyond to make sure I have exactly the right coverage my family and business needs."
  • "I have found that the prompt response and attention I have received from Stacey and the staff at Madison has been excellent. They currently insure my personal autos, home and commercial properties. Their rates have saved me thousands of dollars and they are very quick to respond on a claim. I have been so well pleased that I have gotten a lot of my friends and business associates to switch their insurance and they are also happy with the rates and service."

Click and item below to view our product offerings.

Auto and Other Vehicle Insurance Products

Personal Auto

When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. NOTE - Your policy may not contain all of these coverages.

  • Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.
  • Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.
  • Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.
  • Uninsured/Underinsured Motorists (UM/UIM)coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.
  • Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.
  • Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.
  • Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.
  • Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.
Classic Auto

You have invested a significant amount of time and money in your collector vehicle. Should damage or loss occur, you want your insurance provider to deliver excellent service by handling your claim in a timely and efficient manner. Most people make the mistake of insuring their classic auto on a standard insurance policy, resulting in over paying three times as much than what a specialty insurer can insure it for. We have the options you need by providing access to top companies offering affordable, Agreed Value insurance to car, truck and motorcycle collectors. Our customers enjoy competitive rates, excellent customer service and outstanding program features.

Motorcycle

Motorcycle Insurance typically offers a combination of collision, liability, theft, and related coverage designed specifically to meet the needs of motorcycle owners. If you own a motorcycle?whether you ride it or not!?you need this coverage to protect you from theft, collision, and other common exposures. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in a policy. NOTE - Your policy may not contain all of these coverages.

  • Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in an accident for which you or the operator of your motorcycle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.
  • Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your motorcycle is legally responsible. In most states this coverage is also mandatory.
  • Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passenger injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.
  • Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.
  • Collision Coverage pays, up to the coverage limits, for damage to your motorcycle or a motorcycle you are operating caused by a collision or rollover. This coverage is usually required if you have a motorcycle loan.
  • Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your motorcycle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a motorcycle loan.
Watercraft

According to information from the U.S. Coast Guard, property damage to boats has been increasing. Many states now require boats to be insured. If you have your boat on a loan or use a marina, you will probably also be required to insure your boat. If you are not required to insure your boat, it is important you still consider purchasing boat insurance.

Boat insurance works similar to the insurance for your car, and can protect in the same way. But, since boats have different features than your car, you will want to make sure you have all the coverages you need and any savings that may lower your premium.

Insurance coverages you will want for your boat:

  • Liability
  • Physical Damage
  • Theft
  • Medical Payments
  • Motor Coverage
  • Trailer Coverage
  • Boat Covers
  • Docking Fenders
  • Communications Devices

Discounts you may be entitled to:

  • New Boat
  • Automatic Fire Extinguisher
  • Burglar Alarm
  • Ship-To-Shore Radio
  • Approved Boating Education Course

Remember, since every boat is unique please make sure you check with us to see if you need any additional coverages or would be eligible for additional discounts.

RV

A common practice for RV owners is to insure their RV under their current auto policy. But too often the owner does not take the time to read what and how much is covered under their auto policy. In many instances, RV's covered under auto policies are not adequately covered.

One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but, coverage on personal property is limited when the property is kept somewhere other than the "residence premises." Often the limit in a standard policy is very low and the usual policy deduction would apply.

To insure proper and adequate coverage, a RV owner should add a separate RV coverage to their current auto policy or secure a policy specifically for RV's.

If the RV owner's insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out the RV and it's possessions are not covered after a loss occurs.

Off-Road ATV Insurance

We specialize in offering the kind of off-road vehicle coverage that gives you real peace of mind. A specialized off-road insurance policy means that you're covered whether you're out enjoying the trail on your dirt bike, climbing dunes in your dune buggy, off-roading on your ATV or taking a leisurely spin in your golf cart. We can help you protect your investment with important standard and optional off-road vehicle coverages.

Umbrella

Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.

Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection.

This protection is designed to "kick-in" when the liability on other current policies has been exhausted.

Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one's homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.

There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one's non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.

Homeowners and Renters Insurance Products

Homeowners

A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered such as flood for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.

Tips for keeping your rates low:

There are some simple steps you can take to reduce your homeowners premiums.

Raise Your Deductible - A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit that you could handle in case of a loss.

New Home - If your home is less than 10 years old, you may be eligible for a new home discount.

Make Your Home Safer - You may be eligible for a discount if you have a burglar and fire alarms systems and/or sprinkler systems. Monitored systems will earn a bigger discount than unmonitored systems.

Construction Material - When you buy a home, look for fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those made of concrete tile, while wood roofs may bring a surcharge. Check the location of the nearest fire department, and avoid buying in flood prone areas. Non-Smoker Discounts.

Renters

Even though you don't own your own home you have personal property that can be lost to fires, burglaries and even lawsuits.

The first time most people think about property insurance is with their first home since it is required by the mortgage company. Although renter's insurance is usually not required, it is just as necessary to have. Not only will it protect your personal items, but it will also help with temporary housing and liability protection, such as medical expenses for people on your property or a lawyer if you are sued by someone unintentionally injured by you.

If the ceiling in your apartment is damaged by a storm, the ceiling is covered by your landlord. But what about your brand new stereo and TV that was damaged? Also, while the ceiling is being fixed, do you have enough money to immediately find another place to stay? These are the types of things that would be covered by your renters insurance policy.

Renters insurance can help you pay for repairing or replacing personal property that is damaged, destroyed or stolen. It may also cover most lawsuits or claims against you if you are responsible for injuring others or damaging their property.

Dwelling Fire

Fire dwelling insurance is offered to protect all listed dwellings on your property such as your house, garage, sheds or other structures, from certain types of damage. Losses covered by fire dwelling insurance typically include fire, collapse, explosion, hail, lightning strike, smoke, vandalism, and wind damage. Perhaps the biggest selling point of fire dwelling insurance is that it fully covers properties that are rented to others. If you own a home and rent it out, you may find that many homeowners' insurance policies will not cover damage to a home that the insurance policy holder is not living in.

Flood

Floods can happen anytime or any where. Even in the same place twice. Floods are the leading natural cause of property damage. Four times more homes are destroyed by flood than by fire, causing over $2 billion in property damage every year.

You don't have to live by water to be at risk. Approximately 30% of all flood claims occur in low to moderate risk areas. Homeowner insurance does not cover flood damage, but Federal Flood Insurance does. Flood insurance also covers mudflow, dirt and debris resulting from moving water.

Homeowners with mortgaged property in a Special Flood Hazard Area (SFHA) are now required by federal law to obtain flood insurance. Lenders must comply by requiring flood insurance on the outstanding mortgage balance for the life of the loan.

Your coverage is based on your home's value, minus your land value. Flood Insurance up to $250,000 is available for residential buildings and also the option of up to $100,000 for contents. Since flood policies are backed by the US government, all valid claims are 100% guaranteed.

There is a 30 day waiting period for flood insurance, so the best way to protect your home is to act now, before the flood comes! Remember, just because you experience a flood disaster, that doesn't mean you have to experience financial ruin.

If you should have any questions regarding Flood Insurance, or we can assist you with a quote, please feel free to contact our office.

Umbrella

Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.

Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection.

This protection is designed to "kick-in" when the liability on other current policies has been exhausted.

Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one's homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.

There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one's non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.

Life and Health Insurance Products

Health

An individual or family health insurance plan covers one person, or a family, on one plan.

Most insurance companies offer the same types of managed healthcare plans to individuals that are offered to groups: HMO's (Healthcare Maintenance Organizations), PPO's (Preferred Provider Organizations) and POS's (Point of Service Plan), and generally offer different levels of deductible to keep premiums within budget. Each person or family must determine what coverage, premium, deductible and out of pocket expense will best suit their needs and their family budget.

We are here to assist you in finding a plan that protects your family while staying within your budget. Please contact us today to help evaluate your health insurance options.

Dental

Dental insurance is equally important to health insurance because dental disease is still prevalent. Being protected by a dental plan and using it wisely are necessary safeguards for your entire family.

Dental benefits plans can be categorized by the options offered for selecting a dentist. Some plans allow you the freedom to choose your own dentist, while others, in exchange for lower rates, limit your choice.

To control dental treatment costs, most plans will limit the amount of care you can receive in a given year. This is done by placing a dollar "cap" or limit on the amount of benefits you can receive, or by restricting the number or type of services that are covered.

As each individual and family have different circumstances please contact us today to evaluate your dental insurance needs and we will work to find the plan the best fits your needs and budget.

Disability

When a physical injury keeps you from working, disability insurance can help get the bills paid.

In reality, disability insurance is as important as (and in some cases, even more important than) life insurance.

There are many kinds of disability policies and options, however, the basics are simple.

The first variable is the amount of monthly benefit. Most disability policies have a fixed monthly benefit that does not increase with time, although you can purchase extra coverage, or riders, that offer higher payment schedules.

The second variable is the definition of disability -- whether it is "own occ," or the inability to perform the duties of your specific occupation, or "any occ," the inability to perform the duties of any job for which your education and training make you qualified.

The third variable is the waiting period, or the amount of time you must be disabled before benefits kick in. These waiting periods can range from one week to two years, and the longer you wait the less your disability policy will cost.

The fourth variable is the benefit period, or how long you will receive monthly benefits once your policy starts paying. The benefit period can range from six months to life, depending on what you choose as well as what your insurance company is willing to offer you.

In addition to these variables, there are other coverage options, as well as a variety of other riders. The most important is a rider that pays if you can only remain or return to work part-time. The Social Security offset rider guarantees that if you qualify for disability payments under your insurance policy but not for Social Security (a frequent occurrence) your disability policy will pay what Social Security should have.

Another important option is the additional purchase option, which guarantees you the right to buy additional disability insurance in the future regardless of your health at that time.

If you have any questions about Disability Insurance or not sure if you need coverage please contact us.

Life

Their are many types of life insurance to fit individual needs and circumstance. The following are some of the basic types of life insurance available.

Term Insurance - The simplest form of insurance. You purchase coverage for a specific price for a specified period. If you die during that time, your beneficiary receives the value of the policy. There is no investment component.

Whole Life - Similar to term, but you purchase the policy to cover your "whole life" not just a set period. Premiums remain level throughout the life of the policy, and the company invests at least a portion of your premiums. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer "a relatively low guaranteed rate of return," but in reality pay at a rate in excess of the guarantee.

Universal Life - You decide how much you want to put in over and above a minimum premium. The company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a cash-value account, which you can use against premiums or allow to build.

Variable Life - With a variable policy, there is usually a wider selection of investment products, including stock funds. As with a universal policy, returns on investments can offset the cost of premiums or build in the account. And depending on the type of policy, the beneficiaries will either receive the face value of the policy or the face value plus all or part of the cash account.

Personal Umbrella Insurance

Umbrella

Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.

Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection.

This protection is designed to "kick-in" when the liability on other current policies has been exhausted.

Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one's homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.

There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one's non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.