Gernt Insurance

Gernt Insurance A Family Owned Independent Insurance Agency
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Located in Crossville, TN in the heart of the beautiful Cumberland Plateau, Gernt Insurance has been serving businesses and families for over 30 years.

Quick local question:If you drive your golf cart around the neighborhood or to the clubhouse…Is it insured like a car?So...
06/22/2026

Quick local question:
If you drive your golf cart around the neighborhood or to the clubhouse…
Is it insured like a car?

Sometimes yes.
Sometimes no.

Policies treat golf carts differently depending on how and where they’re used.

This week’s micro-action:
Ask yourself, “If I had an accident in it, would I be covered?”
If you’re unsure, we can explain your options in about five minutes.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

06/17/2026

Correct answer: B) Usually NO

Most auto policies do not automatically cover golf carts.

Many require a separate recreational vehicle policy or endorsement.

In communities like Fairfield Glade, this matters more than you think.

If you own a golf cart and aren’t sure how it’s covered, message us “CART.”

Because a relaxing ride shouldn’t turn into an expensive lesson.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

06/16/2026

You’re driving your golf cart through Fairfield Glade and accidentally hit a parked car.

Quick question:

Does your auto insurance automatically cover your golf cart?
A) Yes
B) No
C) Only if it’s street legal
D) Only on the golf course

Comment your guess 👇
Answer tomorrow.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

06/11/2026

In communities like Fairfield Glade, golf carts are everywhere.

But here’s the catch:
Most auto policies do NOT automatically cover them.

And many homeowners policies limit coverage off your property.

If you drive your cart:
• On roads
• To the marina
• To visit neighbors

You may need specialty coverage.

Comment “CART” and we’ll check it.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

06/02/2026

Golf carts are common around Crossville — but they aren’t always covered the way people think.

Let us check your coverage.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

Living near the lake is one of the best parts of being here.But here’s something many lakefront homeowners don’t realize...
06/01/2026

Living near the lake is one of the best parts of being here.

But here’s something many lakefront homeowners don’t realize:
Docks aren’t always automatically covered the way you think they are.

If you have a dock, boat slip, or waterfront structure, it’s worth asking:

Is it listed specifically on my policy?

That’s it. Just check.

If you want clarity before summer storms roll through, we’re here to help.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

05/28/2026

Lake Season Is Here
From Lake Tansi to Dale Hollow, boats are heading back out.

But here’s what surprises many homeowners:
Your home policy may NOT fully cover your boat.

Before you launch, check:
✔ Liability on the water
✔ Coverage while trailering
✔ Dock damage protection
✔ Storm damage limits

Lake days should bring peace — not policy surprises.

Want a quick coverage check before Memorial Day?
Comment LAKE or send us a message.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

05/20/2026

Correct answer: B) Docks often require special coverage

Many lake properties require a separate structure endorsement for docks and boathouses.

Lake living is one of the best parts of living near Crossville — but it comes with unique risks.

If you live near Lake Tansi or any surrounding lake and aren’t sure how your dock is insured, message us “LAKE.”

Water views are relaxing. Insurance surprises aren’t.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

05/19/2026

You live near Lake Tansi.

A spring storm rolls through and your dock is torn loose and heavily damaged.

Your homeowners policy covers your house.

Quick question:
Is your dock automatically covered?

A) Yes — it’s part of my home
B) No — docks usually require special coverage
C) Only if someone gets hurt
D) Only if it sinks completely

Take your guess below 👇

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

05/14/2026

Lake living is one of the best parts of Crossville.

But docks, lifts, and lakefront liability aren’t automatically covered the way many homeowners think.

Questions to ask:
• Is your dock listed as “other structures”?
• Do you have enough liability if someone gets hurt?
• Are storm damages capped?

Before summer boating season starts, it’s smart to check.

Message us “LAKE” for a quick review.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

Address

171 Lantana Road
Crossville, TN
38555

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 3pm

Telephone

+19314843448

Website

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