Knoxville · Morristown · Tri-Cities
One local agency for your home, your car, and your family.
Home, auto and life insurance across East Tennessee. You get a direct number and the same person from the first call through a claim.
Knoxville, Morristown & Tri-Cities
Where we work
Home, Auto & Life Insurance
Under one agent
One person, start to finish
First call through claim
What are you looking at?
Home + Auto
You already have coverage and want to know whether you are paying too much for it. Send over what you have and we will read it properly before saying anything.
Life Insurance
A longer conversation about who depends on you and what is already in place. No pitch, and plenty of these end with no policy written.
Why work with a local agent?
A direct number
No phone tree, no ticket number. You reach the person who knows your policy.
Reviewed, not just sold
We read what you already have first. If your current coverage is the better deal, we will say so.
Everything under one agent
Home, auto and life in one place means one person who sees the whole picture rather than three who each see a piece.
Here, not somewhere else
Based in East Tennessee, working with people who live where we live.
Who You’re Calling
Justin Tharp, Licensed Agent
Justin Tharp owns and operates Justin Tharp Agency, serving Knoxville, Morristown and the Tri-Cities. Whether it is a quote, a policy change or a claim, you are dealing with him rather than a call center.
Where we work
Knoxville, Morristown, Johnson City, Kingsport and Bristol, and the towns in between. If you are in East Tennessee and not sure whether that includes you, call and ask.
What clients say
Moved both policies over last spring. One phone call, and we came out paying less than we were before. First time insurance has felt straightforward.
Sample review — Knoxville
Had a tree come down on the garage in February. Called and got a person, not a queue, and was walked through exactly what to send. It got handled.
Sample review — Morristown
Been with the same company eleven years and never really looked at what I was paying for. We went through it line by line and found gaps I did not know I had.
Sample review — Tri-Cities
Not sure which one you need?
Call and we will work it out. You will get a person, not a queue.