Carriage Hill Insurance of Chattanooga

06/08/2026

Losing a loved one is incredibly difficult, and dealing with their finances on top of that can feel overwhelming. Closing their credit cards is one of the most important things you can do right away to protect their estate and save yourself some major headaches.

Here is why you want to handle this as soon as possible:

1. It stops accidental or illegal fraud. Even if you are an authorized user or just trying to pay for funeral costs, using a deceased person's card is legally considered fraud. The moment they pass, the account becomes invalid.

2. It blocks identity thieves. Scammers actually read obituaries to find open accounts they can exploit. Closing the cards immediately flags their credit profile so no one can steal their identity.

3. It cuts off zombie subscriptions. Leaving the cards open means streaming services and automatic bills will keep charging the account, which drains funds and complicates the paperwork.

4. It simplifies the final paperwork. Closing the accounts forces the bank to send one final statement. This gives the estate's executor a clear, frozen number to handle during the legal probate process.

06/05/2026

Thank you, Judy! And thank you for recommending us to your daughters.

06/04/2026

It’s an age-old trap: shopping for insurance based entirely on the lowest premium number.
But when the unexpected happens, a cheap policy that looks great on a spreadsheet often becomes the most expensive mistake a homeowner or business owner can make.
Here is the harsh reality of the Property & Casualty industry: People who buy on price always buy twice.
When a claim hits, nobody says, "Thank goodness I saved $10 a month on my premium."
Instead, they find out the hard way about:
🔹 Hidden coverage gaps: Finding out specific perils or types of property aren't actually protected.
🔹 Low sub-limits: Realizing the payout won't even begin to cover the cost to rebuild or replace.
🔹 Deductible nightmares: Being hit with unexpectedly high out-of-pocket deductibles.
Insurance isn’t just a line-item expense. It’s the critical financial foundation holding up your most valuable assets. It’s about having the right coverage in place so that when a catastrophe occurs, your life or business can recover without financial ruin.
Are you paying for a piece of paper, or are you paying for a promise of protection?
Send me a DM or drop a comment below to audit your current policies!

05/25/2026

05/24/2026

Proud to support the Chattanooga Market! A great place to go on Sunday.

05/14/2026

Very proud of this review. Thank you, Richard!

05/11/2026

Your Homeowners Policy Isn’t Enough. Here’s Why.
Most people think their $300k or $500k liability limit on their home/auto policy is sufficient.
In 2026, a single lawsuit from a serious auto accident, a dog bite, or a guest falling into a pool can easily exceed that amount. If you are found liable, everything you’ve worked for—savings, investments, home equity—is on the table.
That’s where Umbrella Insurance steps in. It’s extra liability protection that sits on top of your primary policies.
Why it's a no-brainer:
✅ Costs are surprisingly low (often less than a few coffees per month).
✅ Covers legal fees in addition to settlements.
✅ Protects against libel and slander.
If you have a home, a pool, a teenage driver, or a pet, it's time to talk about an Umbrella policy.
👇 Drop a ☂️ if you have an umbrella policy, or DM me to review your gaps!

04/29/2026

AVOID THIS INSURANCE LAND MINE!

04/22/2026

Spring is a season for fresh starts, and your home is no exception. Staying ahead of routine maintenance can help prevent costly repairs and protect your investment. Swipe through for a few must-do items to add to your spring prep checklist ↩️

If we can be of help this spring or if you would like recommendations of local service providers for your regular spring maintenance, feel free to reach out. We’re here to help.

04/14/2026

April is Distracted Driving Awareness Month, a reminder that we all need to do what we can to drive as safely as possible. These tips can help increase your awareness on the road and avoid accidents related to distracted driving.

🚗 Make a passenger your co-pilot. Let them handle texts, directions, or any other important task so you can keep both hands on the wheel and eyes on the road.

🚗 Avoid multitasking. Eating, putting on makeup, or digging around in a bag can pull your attention from driving. Plan a quick stop if you have a task you must complete.

🚗 Guard your attention. If your mind starts to wander as you drive, pull over and do a quick reset by taking a few deep breaths and refocus on the road.

🚗Pull over to assist children. If you’re driving alone with children and they need attention, it’s best practice to pull into a safe spot rather than turn around or take your eyes off the road.

While these tips can help improve your safety while you’re on the road, it’s impossible to avoid accidents outright. That’s where we come in. Give us a call today, and we can help you find the right auto coverage to help protect you in the event of an accident.