Additional Insurance Information 

Auto Insurance to Protect You on the Road

Personal auto insurance is a complicated area. Many insurers lead you to believe that discussing this subject with an inexperienced telemarketer is a quality substitute for having a personal agent. Don't buy into that theory for a minute.
Generally speaking, most personal auto policies provide the following basic coverage:
Bodily Injury Liability - This coverage pays for accidental injury or death of another person if caused by you in an automobile related accident.
Property Damage Liability - This type of insurance covers accidental damage to other people's property if caused by you in an automobile related accident.
Defense Costs - Pay for court costs, legal expenses, and attorney's fees with this type of coverage.
Collision - This coverage provides you with money to pay for damage to your car in an accident, regardless of who was at fault. Other Than Collision - To supplement collision coverage, this option protects your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils.
Personal Injury Protection - This insurance covers you and your family for bodily injuries caused by an accident involving the use of an automobile. It's typically used for medical expenses, income continuation, essential services, death benefits, and funeral expenses.
Uninsured/Underinsured Motorist - This option provides coverage for injuries suffered by you, your family, and anyone riding in your car against the uninsured/underinsured or hit-and-run drivers

Homeowners

Generally speaking, most homeowner policies provide coverage for your home, the its contents, and other structures such as a garage or shed. Personal property is typically covered against windstorm and hail, vandalism, fire and lightning, damage by vehicle or aircraft, bursting of plumbing systems, damage from falling objects, theft, damage caused by weight of ice and smoke.

In addition, Sparks Insurance can provide coverage for personal liability, medical expenses of others that result from injury on your premises, and damage to the property of others while on your premises

Renters Coverage is available to protect the contents of the home or apartment. For added protection, personal liability is also provided when you request it.

Small Business Insurance for Smart Entrepreneurs

Sparks Insurance Inc. offers great deals on homeowners' insurance and small business policies. Our goal as experienced, skillful insurance agents is to provide you with coverage that meets your needs at a price you can afford. Protect your company's assets with small business insurance from our agency in Knoxville, Tennessee.