Published July 4, 2026 · 40 years in trucking & the trades
What we cover in Cumberland Gap
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Cumberland Gap choose a local agent
When you're in Cumberland Gap, Claiborne 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 Cumberland Gap: the local picture
Living here in Cumberland Gap, we know our community is tight-knit and driven by key sectors like education, healthcare, and local retail. For our neighbors working at the Claiborne County School District or Claiborne Medical Center in Tazewell, understanding professional liability and workers' compensation is crucial. These institutions, along with Lincoln Memorial University just up the road in Harrogate, are major employers, meaning robust group health and life insurance options are often a priority for attracting and retaining talent. Our local businesses like The Olde Church Event Center, Singler’s BarberShop, and Gap Creek Coffee House also need tailored commercial policies, from general liability to property insurance, to protect against the unique risks of serving both residents and the many visitors drawn to the Cumberland Gap National Historical Park and Historic District.
When it comes to our homes, while specific details on typical age or construction materials aren't always easy to pin down, we do see new construction, like the recent $140,000 permit. This means homeowners insurance needs to be flexible, covering everything from brand-new builds to potentially older, historic properties within the Gap. Our weather, a humid subtropical climate with moderately warm summers and mild winters, generally means we see less tornado activity than other parts of Tennessee, which is a plus. However, that "less comfortable" comfort index hints at other weather-related concerns like strong winds, hail, or even winter weather that can still cause property damage. Most importantly, with identified flood risk for properties here, flood insurance isn't just a suggestion; it's a vital consideration for many, providing peace of mind beyond standard homeowner policies.
Given our proximity to Interstate 75 via US 25E and the Cumberland Gap Tunnel, businesses involved in transport or those receiving regular deliveries should certainly review their commercial auto and cargo coverages. For everyone, considering personal auto policies that adequately cover commuters to nearby towns like Tazewell or Harrogate is also wise. Our unique blend of natural beauty, historical significance, and dedicated local services shapes the specific insurance coverages that truly matter most to us here in the Gap.
Population: 309 (2024 (modeled data from ACS))
Housing in Cumberland Gap
There is evidence of some new single-family construction, with one building permit issued in 2024 for $140,000. https://www.city-data.com/city/Cumberland-Gap-Tennessee.html, https://datausa.io/profile/geo/cumberland-gap-tn
Major local employers & who's hiring
- Claiborne County School District — Education Actively hiring
- Claiborne County Hospital — Healthcare Actively hiring
- Cumberland Gap Artists Cooperative — art
Local Cumberland Gap businesses
A few businesses that call Cumberland Gap home — independent of our agency.
- The Cumberland Gap Adventure Company — Adventure/Outdoor Services
- The Olde Church Event Center — Event Venue
- Singler’s BarberShop — Barber Shop
- Nineteen19 Grill & Bar — Restaurant
- Gap Creek Coffee House — Coffee Shop
- Cumberland Gap Artists Cooperative — ag-commercial
- Claiborne County Convenience Center — c-store
- D & D Wheel Alignment — main-street
- Angelo's In The Gap — main-street
- Nineteen19 Grill and Bar — main-street
Local landmarks & geography
- Cumberland Gap Historic District — High property value due to historical significance; potential for specific preservation requirements affecting renovation/repair costs.
- Cumberland Gap National Historical Park — Proximity to the park may increase wildfire risk, and areas within and near the park are susceptible to wind damage and falling trees, as evidenced by 'Hurricane Helene' recovery efforts.
- Interstate 75 (via US 25E and Cumberland Gap Tunnel) — Proximity to a major transportation artery can affect property values and potentially increase traffic-related risks. The Cumberland Gap Tunnel is described as an 'interstate facility'.
- Lincoln Memorial University (in Harrogate, TN) — Located immediately adjacent to Cumberland Gap, TN, its presence can affect property values (rental income, student housing demand) and local infrastructure.
- Lincoln Memorial University (Major Employer) — As a major employer in Claiborne County, it contributes to the local economy and property values through job creation and population stability.
Local facts that shape your coverage
- Cumberland Gap-area historical tornado activity is significantly below the Tennessee state average, being 43% smaller than the overall U.S. average. — Directly relevant to severe weather risk.
- Cumberland Gap, Tennessee, receives an average of 50.1 inches of rain per year. — Provides context for potential flood risk and general climate.
- First Street Foundation provides high-resolution, interactive flood maps and risk assessments for properties in Claiborne County, TN, where Cumberland Gap is located. — Indicates a quantified flood risk assessment for the area.
- The economy of Cumberland Gap, TN, employs 106 people, with the most common industries being Educational Services, Health Care & Social Assistance, and Retail Trade. — Highlights primary industries requiring specific commercial insurance coverages like professional liability, workers' compensation, and general liability.
- Cumberland Gap, located in Claiborne County, TN, has identified flood risk for properties according to First Street Foundation data, and official FEMA flood maps are available for Tennessee. — Directly indicates a significant need for flood insurance for property owners in the area.
Local figures compiled from public sources: datausa.io · city-data.com · bestplaces.net · firststreet.org · firststreet.org · claibornecountyschools.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.
Cumberland Gap, TN insurance — common questions
How much does insurance cost in Cumberland Gap, TN?
Rates in Cumberland Gap and Claiborne 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 Cumberland Gap?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Cumberland Gap and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Cumberland Gap 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.