Our Company At A Glance

Ownby Insurance Service, Inc. was founded in 1952 by Clyde Ownby. Clyde had a passion for helping others and the reputation of always being honest and fair with everyone he came in contact with.

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Ownby Insurance is built on these values and our customers are our first priority. Ownby Insurance is a family operation and is owned by Mike and Kevin Ownby.

Honest and fair service is what you will receive at Ownby Insurance no matter if you are a new customer or you’ve been a customer for decades. If you are looking for insurance with a personal touch you will find that level of service at Ownby Insurance.

Ownby Insurance Service has been insuring overnight rentals, vacation rentals and short-term rentals of all kinds for over 20 years. While many carriers have decided to leave the marketplace for short-term rental insurance in the Great Smoky Mountains area, we have some very respected and financially sound standard insurance carriers that we use. These companies have been writing vacation rentals for many years and offer great coverage at the most competitive prices. We are able to handle any type of rental, whether you have a cabin, condo or most any other type of rental dwelling. There is also no problem getting insurance through our program even if your rental is located in a remote area such as; Douglas Lake, Bluff Mountain, Wears Valley, Cobbly Nob, Greenbrier, Waldens Creek and many more outlying locations. Chalet rentals are a major part of the attraction of our area and it is our goal to help rental owners such as yourself get the coverage you need at a price you can afford. We pride ourselves in giving our clients the best professional service in every way and you will be treated like a treasured guest by our staff no matter if you are a brand new customer or you’ve been with us 50 years.

In most cases we can provide a quote within 24 hours of the receipt of your application.  Please fill out our Quote Request as thoroughly and honestly as you can and we will get back to you with a quote on your vacation cabin.

Some Of What We Insure

  • Cabins
  • Condos
  • Rental Dwellings
  • Homeower Associations
  • Investment Properties

Program Features

  • Building & Contents Coverage
  • Rental Income Protection
  • General Liability Coverage Up to $1,000,000 per occurrence / $2,000,000 aggregate
  • Medical Payments available
  • Deductibles start at $1,000
  • Remote areas are OK
  • Hot Tubs & Pools are OK
  • Flexible payment plans available and escrow billing to your mortgage company is also available
  • Discounts for alarm systems and other protection devices
  • Coverage is available anywhere in Tennessee
  • Umbrella coverage is also available
  • Property manager can be added as additional insured to liability