Published June 16, 2026 · 40 years in trucking & the trades
What we cover in Caryville
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Caryville choose a local agent
When you're in Caryville, Campbell County, you get a real person who knows TN — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Caryville: the local picture
Folks in Caryville know our homes are more than just houses; they're our slice of Campbell County. With a good mix of older, traditional wood-frame homes and a fair number of manufactured or modular homes across town, getting your dwelling coverage right is crucial. Replacement costs can vary quite a bit between these types of construction, so we need to make sure your policy truly reflects what it would take to rebuild, not just market value. Most roofs around here are asphalt shingles, which is pretty standard, but it's always worth checking for any special endorsements you might need, especially if your home has some years on it. Don't forget, personal property coverage needs to keep up with what you've accumulated over time.
Population: 2208 (2020)
Housing in Caryville
The housing stock in Caryville, TN, likely consists of a mix of older, traditional wood-frame homes and a notable presence of manufactured or modular homes (https://impresamodular.com/state/tennessee/caryville/). Given its small-town, rural setting (https://www.bestplaces.net/economy/city/tennessee/caryville), formal historic districts are unlikely, and new subdivisions would be modest. This mix implies varying replacement costs, with wood-frame and manufactured homes generally having different cost structures compared to more traditional brick construction. Roofs are typically asphalt shingles.
Major local employers & who's hiring
- Tennova Healthcare | LaFollette Medical Center — Healthcare hiring
- Campbell County School District — Education
Local Caryville businesses
A few businesses that call Caryville home — independent of our agency.
- BP — c-store
- Shell — c-store
- Campbell County Sanitation Convenience — c-store
- Chris's Truck Repair — main-street
- Shoney's — main-street
- Waffle House — main-street
- Rickard Ridge BBQ — main-street
Local landmarks & geography
- Cove Creek / Cove Lake — Flood risk due to impoundment by Caryville Dam, potentially affecting properties in close proximity.
- Cove Lake State Park — Proximity to a state park can influence property values, and exposure to natural elements like wind and storms, as well as potential for increased traffic/tourism.
- Interstate 75 (I-75) — Proximity to a major interstate can affect property values (due to noise and accessibility) and potentially increase risk for vehicle-related incidents near exits and entrances.
- Historic Downtown/District — No formally recognized historic downtown or district found after search.
- University — No major university or college found directly within Caryville, TN after search.
- Major Plant — No specific major industrial plant or employer identified as a landmark affecting insurance risk after search.
Local facts that shape your coverage
- Caryville, TN has a minor Wind Factor™ risk, primarily from tropical storm winds, based on projected likelihood and speed of severe storm impacts. — High
- The Caryville, TN area has recorded 4 on-the-ground hail reports by trained spotters and 42 radar detections of hail. — High
- First Street Foundation provides detailed flood risk assessments for Caryville, TN, including current and future flood projections and historical flood information for individual properties. — High
- As of the 2020 census, Caryville had a population of 2,212. — Provides context for the size of the community and market for personal and commercial lines.
- Caryville, TN faces a defined flood risk according to First Street Foundation, with data available on current and future flooding, historical events, and potential damage estimates. — Highlights a significant peril requiring specialized flood insurance coverage (NFIP or private market).
Local figures compiled from public sources: worldpopulationreview.com · firststreet.org · interactivehailmaps.com · firststreet.org · en.wikipedia.org · tennovalafollette.com. Estimates — verify current details with the original source.
Insurance requirements in Tennessee
Tennessee is an at-fault state requiring liability coverage for every driver. Parts of Tennessee face severe storms and flooding, so it's worth reviewing whether flood and adequate wind coverage fit your situation. We compare Tennessee-admitted carriers to match the state's requirements to the coverage you actually need. Verify current state minimums with the Tennessee Department of Commerce & Insurance.
Caryville, TN insurance — common questions
How much does insurance cost in Caryville, TN?
Rates in Caryville and Campbell County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Caryville?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Caryville and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Caryville today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.