Gernt Insurance

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Gernt Insurance A Family Owned Independent Insurance Agency

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

10/15/2026

If a fire forced your business to close for 3 months…

Would your policy replace lost income?

Business Interruption coverage helps with:
• Lost revenue
• Ongoing expenses
• Temporary relocation

Property coverage fixes the building.

Business Interruption protects your livelihood.

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

10/09/2026

Property coverage protects your building.

Business Interruption protects your income.

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

09/24/2026

From the Homesteads area to older homes around downtown Crossville — renovations can change your rebuild cost significantly.

If you’ve:
✔ Updated kitchens or bathrooms
✔ Added square footage
✔ Installed custom finishes

Your replacement cost may need adjusting.

Upgrades increase value — but only if your policy reflects it.
Renovating this year?
Comment UPDATE or message us.

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

09/16/2026

Correct answer: C) Agreed Value

With classic or specialty vehicles, an Agreed Value policy locks in the payout amount ahead of time.

Standard auto policies may not reflect collector value.

If you have a specialty vehicle, message us “CLASSIC.”

Some things are worth protecting properly.

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

09/15/2026

You own a restored 1969 classic car.
It’s totaled in a garage fire.

Quick question:
How is it valued?
A) Book value
B) Market value
C) Agreed value (if policy is written that way)
D) Replacement cost

Drop your guess 👇
Answer tomorrow.

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

09/10/2026

Auto policies typically exclude coverage during:
• Organized racing
• Timed events
• Performance competitions

Even “just for fun” runs can trigger exclusions.

Before taking your car to the track, it’s worth knowing what’s covered — and what’s not.

Message “TRACK” if you want clarity.

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

09/05/2026

Collector vehicles deserve specialized coverage.

Watch to learn what “Agreed Value” really means.

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

Hit a deer?Back into a pole?Tree limb falls on your car?Different types of coverage apply to different situations.Many p...
08/28/2026

Hit a deer?
Back into a pole?
Tree limb falls on your car?

Different types of coverage apply to different situations.

Many people carry both Comprehensive and Collision — but don’t know what each one actually does.

Micro-action:
✔ Look at your auto policy and see if you have both listed.

Or give us a call and we're happy to check!

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

08/19/2026

A deer jumps out on Highway 127 at dusk and damages your vehicle.

Which coverage handles this?
A) Collision
B) Comprehensive
C) Liability
D) None

Correct answer: B) Comprehensive

Collision = hitting something.
Comprehensive = things that hit you (like deer, hail, theft)

Living in Tennessee means deer are common — especially at dusk.

If you’re not sure which deductibles you carry, message us “CAR.”

Because deer don’t check your policy first.

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

08/18/2026

A deer jumps out on Highway 127 at dusk and damages your vehicle.
Quick question:

Which coverage handles this?
A) Collision
B) Comprehensive
C) Liability
D) None

Comment below 👇
Answer tomorrow.

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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