David is and has always treated my family's insurance coverage as it were his own. He has taken…read moregreat care of us by making sure we are getting the most coverage for the money we pay. He has also been a great person of resource! I feel comfortable giving him a call for questions regarding insurance on rentals and any state/vehicle relations that may alter our premiums. I appreciate his dedication to making sure all of our needs are met. I cannot leave without saying, I am thankful to have him as our insurance guy. May God Bless him and his business.

From the owner: We established our independent insurance agency in 1996, to bring better service to YOU our client:…read morerepresenting multiple insurance companies to provide a range of insurance services in Ooltewah and surrounding areas.

Unfortunately, I am looking for a new agency this year. I bought my Travelers Insurance…read morehome/auto/umbrella policies here since 2020, but I will not return. My homeowners premiums increased in 2025 by 40% with no explanation or concern from Atlas. In July of 2025 I received a notice letter from Travelers notifying me that my homeowners policy would renew in August 2025, but the deductible for hail/storm damage claims was increasing to $2,500.00. Presumably this was due to hail damage roof claims in my area. The next month I became aware of hail damage to my roof and filed my first ever homeowners claim. Travelers denied the claim due to "wear and tear" ignoring photographs of hail damage. Travelers has now denied my appeal of the claim even with a public adjuster and an independent report showing multiple areas of hail damage. Several other homes in my neighborhood have had recent roof replacements due to hail damage. Other companies covered those claims on roofs the same are as mine. At the follow-up inspection for my claim appeal, the adjuster said he would "try to get it right this time" to get my claim approved. It was promptly denied again claiming vague "wear and tear" excuses. From my work expertise in the insurance industry, I know that brokers/agents can assist with claims if they want to help and keep your business. Atlas Insurance has taken no action to assist with this claim or support me in any way. They just assume they will continue to get my business and couldn't care less about my claim when I actually need coverage. Because I filed this valid claim that was denied in bad faith by Travelers, I will now be required to replace my roof out of pocket before I can change insurance carriers (and brokers) later this year. I have also never received some of the policy premium discounts that I was promised when I signed up with Atlas in 2020. Hopefully other people have experienced better treatment and service from Atlas and Travelers.

I am very loyal and do not change insurance companies very easily. However, I am loyal to those…read morewho are loyal to me and when I came to realize that my previous insurance provider did not have my best interest at heart I began my search. Eddie Penagos earned my trust and my loyalty. I have better coverage at a rate that is consistent with product quality. See if you agree in your own case.

I recommend this office for any of your insurance needs. Not only Allstate has a long trajectory in…read morethe industry but prices are very competitive from other agencies. Aniya has been nothing but proactive, informative and caring about transferring All our insurances from Florida. (Renters, auto and life). She was also really helpful on explaining to us the difference in prices for both states and she provided me with even more coverage for a lot le$$ of what I had. I always appreciate good service in an educational level. The greatest thing is that we did everything online, e-signatures for all documents, so it took very little of our time. We also get automated emails with policy information, renewal and any other important documents, if there is anything I need and don't see online I email or call Aniya and she takes care of it right away.

From the owner: Contact my Agency to get a Quick,Personalized Insurance Quote Today! A great rate is just a call…read moreor click away. As a dedicated Allstate agent, I know how important it is to help you learn to protect what matters most I take pride in building personal relationships with customers and learning their specific needs. Call my office or stop in for a quote today!

Jon is the absolute best insurance agent I've ever worked with. I am so thankful to have him on my…read moreside and working with me to be sure myself and my family are protected. I seriously could not sing his praises enough!! THANK YOU!!! He treats each of us as actual individual people and humans. I've never once felt like just a number like at other places. I appreciate him and his entire team!

This business is not to be trusted. Poor costumer service. Very unhappy with agent. Not helpful at…read moreall , just wants your money and doesn't care about clients. Don't go to this agent!!

Great customer service! I would recommend just talking with Todd and his team. They were honest…read moreand helpful in every way.

From the owner: Our mission is to provide each State Farm customer (in Ooltewah, Collegedale, Harrison,…read moreChattanooga, Apison, McDonald, Birchwood, Cleveland and Surrounding Areas) second to none Customer service; be honest, helpful and knowledgeable in our abilities to help customers manage the risks of everyday life and realize their DREAMS! License #: TN-883263, AL-3002829782, GA-802709

We have been customers of State Farm for 16 years and have never been treated with such…read moreindifference, poor customer service, and disrespect as we have just recently with a claim. My daughter's car was backed into in a movie theater parking lot by another State Farm insured driver. Well, actually the 18 year old was not on the policy but his father's vehicle was insured under his name through them. My daughter got the run around for two weeks, being given wrong information, not returning phone calls and general indifference. The police were called by my daughter, she received the drivers insurance card and the driver did not wait for the police to come and left. The police took my daughter's statement, noted the damage to her car and filed a report. When she did everything this agency asked her to do they agreed it was the other driver's fault and was told she could get an estimate and a rental car while in the shop. She got an estimate and that very day they told her to hold up and do not schedule the work. The other driver was denying he hit the car and sent pictures of his vehicle which showed no damage. My daughter explained that she and the police did not see any damage to his vehicle either but it was dark and raining. She had a crease and white paint (from his vehicle) on her car. Long story, after 3 weeks of incompetence they called today to say their adjusters said it was her word against his and they could not allow the claim. Thanks State Farm! Thanks David! We will fix it ourselves and find another company and another agent.

From the owner: Our mission is to help people manage the risks of everyday life, recover from the unexpected and…read morerealize their dreams. Get Coverage You Can Trust. Compare and Save Now. Whatever Your Needs Are State Farm has you Covered. Click or Call for a Free Insurance Quote Today. License #: TN-719817, GA-2996724

You might not know this, but many insurance companies are working hard to limit their exposure for…read morehomeowners in Northern California. This means they will find trivial reasons to cancel or not renew. And then you discover that no one else wants to insure you because they are over exposed. This was what I was facing a few months ago - and is where Eric comes in. Eric was amazingly patient with me, reassuring me that he would find me coverage. All the while letting me know when other options would come available and when sadly most of them would decline to insure me. But in the end he came through with a policy that was not too much more than I was previously paying (he also got my coverage upped a bit af the previous policy was about 15 years old and prices have risen since then. Thanks Eric!

Great service, great explanations, and quick communication. They gave me plenty of options to…read morechoose from and didn't try to lead me In one direction.

I have been a business client of State Farm since 2017 and for the first two years service was…read moreoutstanding. For the last 3 years it has been horrible. Simple things like getting a COI is impossible for them to get correct on the first 5 or 6 tries. It takes weeks to get someone to send you one and then it is wrong the first 5-6 times they send it. Either it doesn't list all the policies, or the boxes are not marked correctly, the dates are reflecting the expired policies, the thing isn't signed, they don't list the properties covered. I just don't understand when this thing has to be completed every 3 months because somehow all the policies don't line up date wise, how they can't keep a file with how it should be filled out and just update the dates. It shouldn't be this hard. Moving to another company.

From the owner: Our office's mission is to create an atmosphere where our policyholders can have all of their…read moreinsurance and financial service needs met over a lifetime. We will provide outstanding customer service by every communication stream. We will treat each policyholder different based on their needs. Our story will consistently sell the value of State Farm, our office and our commitment to helping people realize their dreams. License #: TN-837429, AL-3002741740, GA-3038639