Oscar Aleman - Great Ridge Insurance

Are you in the process of buying a home or are having a hard time finding an insurance policy for your rental? We have several carriers that can help you with your needs!

No espere a que ocurra lo inesperado. Planificar con anticipación puede evitarle a su familia la carga financiera de los gastos funerarios y protegerlos cuando usted ya no pueda proveer para ellos. Depender de una campaña de GoFundMe no es suficiente. Complete el formulario adjuntado y obtenga una cotización de seguro de vida.

Life Insurance Quote Form Fill out this form.

Don’t wait for the unexpected. Planning ahead can spare your family the financial burden of funeral costs and help protect them when you’re no longer able to provide. Relying on a GoFundMe can only get you so far. Fill the form below and get started on a life insurance quote!

Life Insurance Quote Form Fill out this form.

If anyone depends on your income, they would most likely struggle if you were to pass away. That’s why life insurance is so important to have.

Congratulations to two Sevier county teams making the state championship! Sevier county will be well represetned and we are all proud. Wishing you all the best!

We are hiring! We need a bilingual customer service representative that can speak Spanish & English. Please share this post with anyone you know that is looking for a change of career. Monday- Thursday 9-5 and Fridays 9-4. Most major holidays off paid. They can send me a dm through here. Thank you!

We are hiring! We need a bilingual customer service representative that can speak Spanish & English. Please share this post with anyone you know that is looking for a change of career. Work hours are from Monday - Thursday 8:30-5:00pm; Friday 8:30-4pm and off on most major holidays. They can send me a dm through here. Thank you!

Please share with anyone interested. Work hours are from Monday - Thursday 8:30-5:00pm; Friday 8:30-4pm.

We are hiring! We need a bilingual customer service representative that can speak Spanish & English. Please share this post with anyone you know that is looking for a change of career. They can send me a dm through here. Thank you!

Are you tired of shopping around for auto insurance?

Let me handle the shopping for you! As an independent agent, i work for you and not the carriers. I have access to several carriers and I am able to find the best solution for you.

Click on the link below and fill out the form if you are needing to shop for auto insurance.

https://forms.zohopublic.com/greatridgeinsurancegroup/form/AutoInsuranceQuoteOscar/formperma/JkoVtMB9EVt0KYBGnCrbVclaUXVGxjigUBEH-rZZJHg

Home Owners Insurance

As an Insurance Agent, it is my job to make sure you are covered properly in case something happens to your home. I can provide you with several options of coverages, deductibles, limits, but at the end, you as the customer, are responsible for making the final decision. Here are several questions that you can ask your current agent or when you are shopping for a new insurance policy to make sure you are covered properly.

1. Is my home covered as ACV ( Actual Cash Value) or RCE ( Reconstruction Cost Estimate)?

ACV is what the insurance company believes it cost to rebuild your home and will account for depreciation.
RCE the insurance will pay the cost to rebuild your home up to your dwelling limit amount which is shown under coverage A on your declaration page

2. Is my home covered as Replacement Cost, Extended Replacement Cost or Guaranteed Replacement Cost?

Replacement Cost: What we covered under RCE in point 1.
Extended Replacement Cost: Gives an additional 25% or 50% (depends on the carrier) of additional coverage on the dwelling.
Guaranteed Replacement Cost: The insurance carrier guarantees that they will rebuild your home even if there is a sharp increase in cost of materials and labor. Your home must be rated as what the RCE is. For example: If your RCE is $300,000, you cannot insure your home for a lesser amount and still get Guaranteed Replacement Cost. Your home must be covered for the $300,000, but the carrier will pay however much it cost to rebuild without depreciation.

3. What are my deductibles?

Your deductible is what you are committing to pay first if an accident happens that damages your home. Some companies have the same deductible for all perils and wind & hail, but some companies have two separate deductibles between all perils and wind & hail. With those companies the all perils deductible may be $1,000 but the wind & hail deductible may be $2,500 or may have a percentage deductible. The percentage deductible is the percent of your dwelling coverage (coverage A). For example: if your home is insured at $400,000 and your wind & hail deductible is 1%, technically your deductible for wind & hail damages will be $4,000.

4. What other coverages do you offer for homeowners insurance?

You can add plenty of things to your homeowners insurance if you feel like you want to make sure you are covered. Some carriers have packages that you can add that include many other coverages, or you can sometimes choose certain coverages a-la- carte. Example of some additional coverages that you can purchase are: Sewer or drain back up, Siding & roofing restoration, underground service line coverage, and many more.

5. What is my liability limit?

Liability limit is what will cover you against lawsuits for injury or property damage that you or your family members cause other people. We recommend that your liability limit is more than what your house is worth, because it would cover any legal cost which can significantly exceed the value of the house itself.

Tip: Always look through your application/ quote and read through it before you sign.

If you have any questions at all, please feel free to send me a DM and I will try to answer any question you may have.

🗣️ Our offices will be closed Thursday & Friday, July 4th & 5th for Independence Day. We will return Monday, July 8th. If you need assistance, please visit our website and submit a service request. We hope you have a great holiday!

✅ LOCAL - You work with someone in one of our Sevierville offices!
✅ INDEPENDENT - We don't work for an insurance company, we work for YOU!

📞 865.465.7948
💻 greatridgeinsurance.com