RISE Insurance

06/17/2026

⛈️ Many homeowners don’t realize how expensive storm deductibles can become until AFTER severe weather hits.

Insurance may cover storm damage — but you could still owe thousands out of pocket before coverage even begins.

Some policies now use:
🌪️ Wind deductibles
🌨️ Hail deductibles
🏠 Percentage-based deductibles

Example:
A home insured for $400,000 with a 2% storm deductible could leave the homeowner paying the first $8,000 themselves.

As storms become more expensive, insurance companies are quietly shifting more financial risk onto homeowners through higher deductibles and stricter coverage rules.

Learn more: https://www.riseins.com/the-rise-blog/why-severe-weather-claims-are-becoming-more-expensive-for-homeowners

Contact Us:
📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

06/15/2026

Filing an insurance claim may seem like the obvious choice — but too many small claims can create bigger problems later. 🏡⚠️

Before filing, ask yourself:
✅ Is the repair cost higher than my deductible?
✅ Is this a major covered loss?
✅ Could this affect my future premium?
✅ Would paying out of pocket make more sense?
✅ Should I talk to my agent first?

Your claims history can impact your rates, discounts, and future coverage options.

RISE Insurance can help you understand your coverage before you make a decision. 💛

Learn more: https://www.riseins.com/the-rise-blog/the-hidden-problem-with-filing-too-many-claims

Contact Us:
📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

06/12/2026

Opened your home insurance renewal and thought, “Why did my premium go up?” 🏡💭

You’re not alone. Home insurance rates can increase even if you haven’t filed a claim.

A few common reasons include:
🔨 Higher repair and rebuilding costs
⛈️ More severe weather claims
🏠 Roof age or home condition
📈 Industry-wide rate changes
📋 Updated coverage limits

Before you panic, review your policy and ask questions. RISE Insurance can help you understand what changed and what options may be available.

Learn more: https://www.riseins.com/the-rise-blog/why-did-my-home-insurance-go-up

📞 423-541-1111
🌐 www.riseins.com
✉️ [email protected]

06/10/2026

Before buying personal insurance, don’t just ask, “How much is it?” 💭

Ask:
✅ What does this policy actually cover?
✅ What is excluded?
✅ Is my liability coverage enough?
✅ Are my belongings covered correctly?
✅ Am I missing any discounts?
✅ What happens if I need to file a claim?

At RISE Insurance, we help you understand your options so you can choose coverage with confidence. 💛

Learn more: https://www.riseins.com/the-rise-blog/questions-to-ask-rise-insurance-before-buying-personal-coverage

📞 423-541-1111
🌐 www.riseins.com
✉️ [email protected]

06/08/2026

🏢 Protect Your Small Business with the Right Insurance Partner 🛡️

Running a small business in Chattanooga takes hard work, dedication, and the right protection. 💼✨ From general liability and commercial property to workers’ compensation, commercial auto, and more, having the right coverage can help protect what you’ve built. 🔐

For small business owners in Chattanooga, TN, RISE Insurance is a trusted local option offering personalized service and access to a wide range of commercial insurance solutions. 📍🤝

Whether you own a restaurant 🍽️, retail shop 🛍️, contracting business 🔨, office 🏢, or service-based company 💻, RISE Insurance can help you explore coverage that fits your business needs. ✅

Learn more: https://www.riseins.com/the-rise-blog/who-is-the-best-insurance-agency-for-small-business-in-chattanooga-tn

Contact Us:
📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

06/05/2026

☂️ How much umbrella insurance should you have?

Your home and auto policies have liability limits — but a major accident or lawsuit can go beyond those limits. That’s where umbrella insurance can help.

Umbrella insurance adds an extra layer of protection for your assets, savings, and future income.

✅ $1M is often a common starting point
✅ Higher limits may be smart if you own property or have more assets
✅ Great to review if you have teen drivers, rental properties, pools, pets, or frequent guests
✅ The right amount depends on your lifestyle and liability risk

Learn more: https://www.riseins.com/the-rise-blog/how-much-umbrella-insurance-should-you-have

Not sure how much umbrella coverage makes sense for you? RISE Insurance can help you review your options.

Contact Us:
📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

05/29/2026

🚨 One Accident. That’s All It Takes.

Your driver is on a normal route.
Then suddenly—an accident.

Now your business is dealing with:
💸 Vehicle damage
⚖️ Legal claims
🧾 Medical costs
📉 Lost productivity

It’s not just a vehicle problem—it’s a business risk.

Most companies think they’re covered… until they realize they’re not covered enough.

👉 Fleet insurance isn’t just about vehicles—it’s about protecting your business from the fallout.

Are you prepared if it happens?

Learn more: https://www.riseins.com/the-rise-blog/fleet-insurance-basics-the-one-accident-that-can-cost-your-business-everything

Contact Us:
📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

05/27/2026

🤝 What do independent insurance agents actually do?

For many people, insurance can feel confusing and overwhelming at times. Independent agents help make the process feel more personal, understandable, and supportive.

From helping families compare coverage options to answering questions during stressful situations, independent agents often guide clients through important decisions with care and patience.

They may help with:
🏡 Home insurance
🚗 Auto insurance
💼 Business coverage
🐾 Pet insurance
📄 Policy reviews and questions

One of the biggest benefits is having a real person you can call when you need guidance or reassurance — especially during unexpected situations.

At the end of the day, independent insurance agents do more than help people buy policies — they help people feel supported and protected through life’s important moments. 💙

Learn more: https://www.riseins.com/the-rise-blog/what-independent-insurance-agents-actually-do

05/22/2026

🐾 Most pet owners don’t realize how expensive emergency vet care can become until it’s too late.

A single surgery or serious illness can easily cost anywhere from 💸 $1,000 to $5,000+ — which is why pet insurance has been growing so quickly.

Pet insurance may help cover:
🐶 Accidents
🐱 Illnesses
💊 Medications
🏥 Emergency surgeries

But many policies don’t cover pre-existing conditions, which is why some owners get coverage while their pets are still young and healthy.

For many people, it’s less about saving money every month — and more about having financial protection when an unexpected emergency happens.

Learn more: https://www.riseins.com/the-rise-blog/is-pet-insurance-worth-it-what-most-pet-owners-dont-realize-until-its-too-late

Contact Us:
📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

RISE Insurance is located in downtown Chattanooga, TN but we help insure people and companies all over the country. We specialize in top notch service and extensive market access to place your business with the best possible carrier at the best possible price.

05/20/2026

🚗 Someone breaks into your car and steals your laptop, bag, or phone…

Most people assume auto insurance covers everything inside the vehicle.

In many cases, it doesn’t. 👀

Your car insurance may cover:
🔹 Broken windows
🔹 Vehicle damage
🔹 A stolen car

But stolen personal belongings often fall under:
🏠 Renters insurance
🏡 Homeowners insurance

That means one car break-in could involve TWO separate insurance claims.

It’s one of the biggest misunderstandings in theft claims — and many people don’t realize it until after it happens.

Learn more: https://www.riseins.com/the-rise-blog/theft-claims-explained-what-actually-happens-after-your-car-gets-broken-into

Contact Us:
📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]