IRM Insurance proudly serves Oak Ridge residents and businesses who want local service without big-box limitations. From residential neighborhoods to contractors and professional firms, we provide coverage designed for Oak Ridge’s unique workforce and property mix.

Oak Ridge neighborhoods feature a wide range of housing styles, from historic homes to mid-century and newer developments. We specialize in home insurance for Oak Ridge homeowners, ensuring policies reflect accurate replacement costs—not outdated estimates.

Home Insurance Focus Areas:

• Replacement-cost dwelling coverage
• Extended and ordinance-or-law options for older homes
• Umbrella liability for higher-asset households

Auto Insurance for Oak Ridge Commuters
With daily travel between Oak Ridge, West Knoxville, and surrounding corridors, we help structure auto policies that protect your assets while keeping premiums competitive.

Oak Ridge has a strong professional and contractor-driven economy. Knoxville Insurance Store provides business insurance for Oak Ridge companies, including coverage for service professionals, contractors, and office-based operations.

Commercial Coverages Include:

• General liability insurance
• Workers’ compensation
• Professional liability (E&O)
• Commercial auto and property

Contractor & Trade Coverage
We work with Oak Ridge contractors and service businesses that require proper certificates, payroll classification accuracy, and dependable coverage for jobsite exposure.

Oak Ridge businesses and professionals often carry higher responsibility and regulatory exposure. We help clients evaluate:

• Liability limits appropriate for professional risk
• Cyber liability for office-based operations
• Coverage coordination between personal and business policies

Our goal is to reduce gaps—not just sell policies.

Landmarks Served:
Oak Ridge National Laboratory known workforce • Main Street Oak Ridge

We Serve Oak Ridge Neighborhoods Including:

• Central Oak Ridge residential areas
• Professional offices and service firms
• Contractors and support businesses throughout Anderson County

Oak Ridge, TN | Anderson County | Surrounding commute areas

Learn More

• Home Insurance
• Auto Insurance
• Business Insurance
• Workers' Compensation

“We’re based in Oak Ridge and wanted an insurance agency that understood our professional exposure. Knoxville Insurance Store made the process simple and handled both our business and personal coverage correctly.”

— Oak Ridge Client

## Frequently Asked Questions

**Does Knoxville Insurance Store serve Oak Ridge, TN?**
Yes. We're a local independent agency based on Kingston Pike, and we've been serving Oak Ridge residents and businesses for years — offering local service without big-box limitations for both personal and commercial coverage.

**Does my home insurance cost more if I own a historic Oak Ridge home?**
It can. Oak Ridge has a wide mix of housing styles, from historic homes to mid-century and newer developments, and older homes often need coverage that accounts for updated electrical, plumbing, and rebuild costs that a generic policy might miss. We make sure your policy reflects your home's actual replacement cost, not an outdated estimate.

**What auto insurance do I need if I commute between Oak Ridge and West Knoxville?**
Tennessee requires minimum liability coverage of 25/50/25. Given the daily travel many Oak Ridge residents do along West Knoxville corridors, we typically structure policies with higher limits to protect your assets while keeping premiums competitive.

**Does Knoxville Insurance Store cover contractors and professional firms in Oak Ridge?**
Yes. Oak Ridge has a strong professional and contractor-driven economy, and we provide business insurance for service professionals, contractors, and office-based operations, tailored to the specific risks each of those businesses face.

**Can Oak Ridge business owners get both personal and business coverage from one agency?**
Yes. Many Oak Ridge clients prefer handling both their personal (home, auto) and business insurance through one local agency rather than juggling separate providers — we coordinate both to make sure nothing falls through the gaps.

Call or stop by our office to review your home, auto, or business coverage.

 11002 Kingston Pike, Suite 103
Knoxville, TN 37934
(865) 579-0500