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About Us

At CrossStone Insurance, we want to help protect the things that matter to you.  We strive to meet your insurance needs while exceeding your service expectations.

As an independent insurance agency, we strive to meet all of your personal and business insurance needs.  We represent a number of insurance companies in each line of business, allowing us a wide variety of options when seeking solutions for your personal or business insurance needs.

We understand the importance of price when it comes to insurance but we also understand the importance of having the proper coverages in place.  When a loss occurs, how much you saved or whether you received a quote in 15 minutes will be a distant memory.

“The greatest mistake the insurance buying public can make it to believe that all insurance policies are alike and that the cheapest is therefore the best.” – H.O. Hirt

At CrossStone Insurance, we love the mantra of Erie Insurance, one of our carriers. “Founded in 1925 with a single purpose: To provide Policyholders with as near perfect protection, as near perfect service as is humanly possible and to do so at the lowest possible cost”.

An Independent Advantage

We are Independent Agents in Piney Flats, Tennessee, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. CrossStone Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price. What is an Independent Insurance Agent? When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice! The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company. With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision. An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible. When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.