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CrossStone Insurance

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CrossStone Insurance

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CrossStone insurance is an independent insurance agency located in Piney Flats, TN.

10/15/2026

A major accident or lawsuit can exceed the liability limits on your auto or homeowners insurance faster than many people realize.

At Crossstone Insurance, we help Tennessee families understand where an umbrella liability policy may add an important layer of protection. It can help cover certain costs above the limits of your existing policies—helping protect your savings, home, and other assets when the unexpected happens.

Umbrella insurance is often a cost-effective way to strengthen your personal insurance plan. Our team can review your current coverage, walk through the numbers, and help you decide whether it makes sense for your situation.

Have you reviewed your liability limits lately? Reach out to our team to start the conversation.

10/01/2026

October is Breast Cancer Awareness Month, a meaningful reminder to prioritize preventive care and early screening.

Breast cancer is one of the most common cancers in the U.S., and routine screenings can play an important role in early detection. Swipe for a few helpful facts and statistics to keep in mind.

Many health insurance plans may cover preventive breast cancer screenings at little or no cost. If you have questions about what your health plan covers, our Crossstone Insurance team is here to help you better understand your benefits.

Taking an active role in your health starts with having the right information. Reach out to us anytime with questions.

09/30/2026

Marketplace Open Enrollment starts November 1, and a little preparation can make choosing health coverage feel much more manageable.

Whether you are renewing your current plan, comparing new options, or enrolling for the first time, our team at Cross Stone Insurance is here to help you understand your choices with confidence.

Swipe through for important enrollment dates and simple steps to prepare. If you have questions about your health insurance options or would like help reviewing a plan, reach out to our Tennessee insurance team.

What is the biggest question you have about Open Enrollment?

09/22/2026

Only 100 days remain in the year—have any big changes happened in your life lately?

A new home, new vehicle, growing family, career change, or valuable purchase can all affect whether your insurance coverage still fits your needs. These milestones are exciting, but they can also create coverage gaps if your policies have not kept pace.

At Cross Stone Insurance, we encourage Tennessee families and business owners to review their coverage after changes like:

✅ Buying or renovating a home
✅ Purchasing a new car, ATV, classic car, or other specialty vehicle
✅ Getting married, divorced, welcoming a child, or adding a teen driver
✅ Acquiring jewelry, art, heirlooms, or other valuables
✅ Starting a business, changing jobs, receiving an inheritance, or increasing your assets

A quick insurance review can help ensure your homeowners, auto, life, and business coverage reflects where you are today—not where you were when the policy began.

If one of these changes sounds familiar, our team is here to help. Reach out to Cross Stone Insurance for a personalized coverage review.

What is one major change your household or business has experienced this year?

09/17/2026

Medicare Annual Enrollment begins October 15, so now is a great time to watch for your Annual Notice of Change (ANOC) from your current Medicare Advantage or Part D plan.

Your ANOC is typically mailed in September and explains any plan changes that will take effect January 1. Even if your coverage has worked well this year, a quick review can help you avoid unexpected costs, medication changes, or provider-network surprises in 2027.

Pay close attention to updates involving:
✅ Monthly premiums, deductibles, copays, and out-of-pocket costs
✅ Prescription drug formularies and coverage
✅ Doctor, hospital, and pharmacy networks
✅ Additional benefits included with your plan

Small changes can have a big impact on your health care budget and access to the providers you trust.

At Crossstone Insurance, we help Tennessee residents understand their Medicare options and feel more confident about their coverage. If you would like help reviewing your ANOC or comparing plans before Annual Enrollment begins, our team is here for you.

What is the first thing you check when reviewing your Medicare plan each year?

09/15/2026

Fall is a great time for Tennessee business owners to take a closer look at their commercial property before colder weather arrives.

A few preventive maintenance checks now can help protect your property, support a safer workplace, reduce disruptions, and lower the risk of preventable insurance claims. Swipe through for key areas to review this season.

At Crossstone Insurance, we are here to help you protect what you have built with commercial insurance coverage designed around your business. Have questions about your policy or seasonal risks? Our team is just a call away.

09/07/2026

Wishing our Cross Stone Insurance clients, neighbors, and community a safe and restful Labor Day.

We appreciate the hard work that keeps Tennessee families and small businesses moving forward. Our office will be closed Monday, September 7, in observance of the holiday and will reopen Tuesday, September 8.

Have a wonderful holiday weekend!

08/31/2026

Running a business in Tennessee means juggling a lot of responsibilities, and safeguarding what you’ve built is a big part of that. That’s why our team at Cross Stone Insurance often recommends looking into commercial umbrella insurance.

This coverage adds an extra layer of protection on top of your existing business policies, helping you stay prepared for those larger, unexpected claims that could otherwise put your operations at risk.

Swipe to get a quick breakdown of how commercial umbrella insurance works and when it might be a smart fit for your business.

If you’d like to talk through your options, our team is always here to help you determine whether this coverage makes sense for your needs. Give us a call anytime.

08/27/2026

Life insurance can feel overwhelming when you're just getting started, especially when it comes to understanding term life versus whole life coverage. You're not alone — our team at Cross Stone Insurance hears this question all the time.

Here's a quick breakdown to help you get clarity on how these two options differ and what they can do for your family's long-term financial protection.

The right fit comes down to your goals, your budget, and how you want your coverage to support the people you love. If you want help sorting through your options, we're here to make the process simple and stress-free.

Have questions? Reach out to us anytime.

08/25/2026

Small daily habits really can shape long-term wellbeing, and our team loves sharing practical reminders that make life a little easier. Take a moment to flip through these simple lifestyle tips that are easy to start and even easier to keep up with.

And if these small changes have you thinking about your health coverage, we’re here to help. Whether you’re reviewing your current plan or preparing for Medicare as you approach 65, our team at Cross Stone Insurance is always just a call away.

Have questions? Drop them in the comments or reach out anytime.

Address

105 Belle Avenue
Piney Flats, TN
37686

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://CrossStoneinsurance.com/

Alerts

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