The McCullock Agency - Insurance & Retirement Solutions

04/29/2023

Heelex Podiatry just like you shouldn’t trust your asset protection with just any agency, don’t trust your foot care with just any Dr.

Dr Hancock and team have been our goto for 14 years. Thank you Dr Hancock & Dr Ritchey for being there!!!!! Keep on trucking !!!!

The McCullock Agency offers home, auto, life and commercial insurance, as well as financial retirement investment solutions for all your needs.

07/04/2019

May we all find common grounds through a turmoiled current political landscape to just remember for a brief moment that we all have our own beliefs, views and lives that differ from each other’s, but this country allows these differences and because of that I myself am proud to be a citizen of the USA and I hope there is something within each of you that gives you that same pride. Be safe, have fun and enjoy what we have. Happy July 4th from your friends at the Farmers Insurance McCullock Agency!!!

05/27/2019

This day comes with a price tag. This day is given to us by Almighty God and the many Soldiers, Sailors and Airman who sacrificed their lives so that we may have this life we call freedom and choice to live as we desire to live. Their price tag was life, your pricetag is the memorialization of their sacrifice.

May joy and peace find each of you as we journey this road of life together.

12/25/2018

Remember, tonight while we sleep with vision of sugarplums dancing in our heads, in a far away place, a Sailor is sailing the oceans protecting our freedoms, a Soldier is patrolling a street in a country were we have more enemies than allies, an Airman is taking command of our skies to protect us from the unknown and locally outside our own homes Firemen and Policemen and Nurses and Doctors put our health and safety many times above their own to insure we awake to another day.

As we remember the reason for the season, please take if only a brief moment, the time to thank those who serve us unselfishly.

Merry Christmas Knoxville!

12/20/2018

Your homeowners insurance typically protects your dwelling and other structures and contents from damages due to fire, smoke, lightning, hail, theft and other exposures as described in your policy. Earthquake damage, however, is typically excluded from homeowners insurance policies

Though the images below are not from the Knoxville area, the damage an Earthquake can cause is tremendous as seen in the pictures from an Earthquake in Oklahoma.

FAQ's

Q: Does my Homeowners Policy cover damages sustained
during an Earthquake?
A: Under most situations, the answer is no. A standard
policy will generally cover losses from fire
following a quake and, if such a fire makes your home
unlivable, cover the additional living expenses incurred
while you live elsewhere during repairs.

Q: Why aren't Earthquake Damages covered in a
homeowners policy?
A: In most homeowners policies, earth movement is an
excluded type of loss for dwelling's/structure's.

Q: I realize the dwelling (house damage) may not be
covered but what about my personal belongings like
TV's, appliances, furniture, clothing etc. are they
covered under my standard home policy?
A: No, like the house damage exclusion, your personal
property is not covered either.

Q: Are my vehicles covered due to Earthquake damage?
A: Yes vehicle damage is covered if you have
Comprehensive coverage on your Auto policy, If you
only have liability coverage and or collision coverage, it
will not be covered.

Q: Is Earthquake coverage here in Knoxville TN
expensive?
A: In relative terms, an Earthquake endorsement on your
policy is rather inexpensive given the cost of rebuilding
an entire house and replacing personal property without
it. Recent policies done here at the office have ranged
from $80.00 a year to $175.00 a year based on the
dwelling coverage amount for your home of your current
policy (found in part A of your declarations page)

Q: Is there a waiting period for coverage to begin in light of
the recent string of Earthquakes in the last month?
A: At this time, no.

Q: How can I get a home policy with Earthquake
coverage?
A: Call our office at 865-801-9977

We are Farmer's Insurance. We know allot because we have seen allot. Let us help protect whats important to you.

11/11/2018

Thank You. The choice was never the easy one, the decision was often times the hardest, the mission was many times the painful one, and the memories often keep you up at night. Thank You....you will never be forgotten.

08/01/2018

Life insurance is cheaper than you may think and can be tailored to your individual needs. Relying on friends or neighbors to start a Go Fund me page will not keep your family whole but you can with a minimal investment in them. We can help you help your family. Call us today 865-801-9977

Life insurance blah blah blah. Is that what you hear when someone mentions it as part of your new job’s employee benefits round-up or when you see something about it on TV or social media? Not to worry: we’ve got the low-down on what you need to know. And it’s really not as overwhelming (or un...

07/04/2018

As a nation of political turmoil may we hopefully reflect if only for a minute, on these powerful words.....

“We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.”

May we all find rest, wisdom and hope to be the nation our forefathers hoped we become.

05/25/2018

Some lost a little, some lost it all. Please take the time to reflect on those who unselfishly served our country and did so with their lives. Have a safe weekend...

04/21/2018

Is this your Life Insurance Plan?

“Mele’s loved ones started a GoFundMe page to help raise money for a funeral and to support his wife and daughter.”

For the cost of taking a family of 3 out to dinner once a month, you could make sure their lives aren’t destroyed any more than the tragedy already facing them of putting a loved one in the ground..... we can fit a plan to meet your budget.

Call us, we can help. 865-801-9977

03/07/2018

Is your version of Life Insurance titled "Go Fund Me" with the hopes that a friend or family member will open your left behind family a Go Fund Me account? Life Insurance has changed allot over the years, prior history required long drawn out applications, medical exams more questions and allot of patience. Times have changed in the industry, for less than what you may spend on one meal eating out during the month you can have a $150,000 or more life insurance policy that will take care of your family when you are no longer able to. Isn't your family worth that consideration? Many different types of Insurance policies build cash value that you can borrow against with little or no tax implications. Did you also know that Life Insurance proceeds are tax free? Was you aware that certain IRA withdrawals are taxable at the tax rates at the time of withdrawal? There are better and less costly ways to insure your family can continue their way of life in the untimely event of your death. More to come on Life Insurance... Call us, let us help you prepare.

Life Insurance, Is Not a Day After Decision.

865-801-9977

12/25/2017

Today there is a Marine on patrol as we sleep, an Army soldier on a mission in a foreign land, a Navy Sailor on watch sailing the oceans around the globe an Air Force Airman watching the skies around the globe , a Police Officer protecting us as we sleep cruising our neighborhood, a Fire Fighter waiting for the next alarm and a Nurse holding the hand of a dying patient or grieving parent...and a Homeless Vet sleeping under a bridge..... take the time to remember all of them tonight and every night they are away from their family, country and friends as many of us are at home with our families...... Merry Christmas and Happy New Year to those serving and to those who have, we thank you and honor you each and every day.