Published April 29, 2026 · 40 years in trucking & the trades
What we cover in Kingsport
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Kingsport choose a local agent
When you're in Kingsport, Sullivan 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 Kingsport: the local picture
Kingsport's economy leans heavily on Eastman Chemical's headquarters plus Ballad Health and ETSU, so the area mixes industrial and healthcare workforces that need both commercial lines (property, workers-comp, contractor) and personal coverage. With a median home built around 1975 and nearly 40% of units rented, older roofs and wiring plus a real rental market point to careful replacement-cost homeowners and landlord/renters policies. The South Fork Holston River and Boone Lake bring genuine flood exposure (standard homeowners excludes flood) along with boat and lake-recreation coverage needs, and the area's documented hail, tornado, and downburst history makes solid wind/hail protection important.
Population: 55,442 (2020)
Major local employers & who's hiring
- The Mustard Seed Cafe — food
- Seed of Hope Counseling — health services
- Federal Railroad Adm — office
- Tire Barn Warehouse — shopping
- WorkSpace Interiors Warehouse — warehouse
- ARNOLD'S BARGAIN WAREHOUSE — discount store
- Eastman Chemical B177 Shipping and Receiving Warehouse — warehouse
Local Kingsport businesses
A few businesses that call Kingsport home — independent of our agency.
- The Mustard Seed Cafe — ag-commercial
- Seed of Hope Counseling — ag-commercial
- Ethan Pearcy — manufacturing
- Tire Barn Warehouse — ag-commercial
- WorkSpace Interiors Warehouse — ag-commercial
- Sunoco Gas Station — c-store
- Shell — c-store
- Walmart Fuel & Convenience — c-store
- Sunoco — c-store
- Fas Mart — c-store
- Valero — c-store
- Kingsport Quality Plus — c-store
Local facts that shape your coverage
- Kingsport had a population of 55,442 at the 2020 census, making it one of the largest cities in the Tri-Cities region of upper East Tennessee. — A mid-size city base means steady demand for home, auto, renters, and small-commercial coverage.
- Eastman Chemical Company is headquartered in Kingsport, employs about 14,000 people worldwide, and reported roughly $8.75 billion in full-year 2025 revenue; Ballad Health and East Tennessee State University are also top regional employers. — A large chemical/manufacturing and healthcare workforce drives commercial property, workers-comp, group benefits, and contractor coverage needs alongside personal lines for employees.
- Kingsport's median housing construction year is about 1975 (roughly 50-year-old median home age), and about 60.1% of occupied units are owner-occupied with 39.9% renter-occupied. — Older housing stock raises replacement-cost, roof, wiring, and plumbing concerns for homeowners policies, and the sizable rental share supports renters and landlord/dwelling-fire coverage.
- The South Fork Holston River runs through Kingsport and floods; in fall 2024 the remnants of Hurricane Helene swelled local waterways and closed Kingsport roads including Fort Robinson Drive, Industry Drive, and Cleek Road. — River flooding is a real local peril, and because standard homeowners policies exclude flood, riverside and low-lying properties need separate NFIP or private flood coverage.
- The Kingsport area sits beside Boone Lake, a 4,520-acre TVA reservoir on the South Fork Holston River, and the Holston tailwater is a popular smallmouth bass fishery, supporting heavy boating and lake recreation. — An active boating and lake-recreation culture creates demand for boat, watercraft, and personal-liability/umbrella coverage, plus seasonal/second-home and dock exposures.
- Kingsport has notable severe-storm history: 41 hail reports within 10 miles since 2004 (largest 2.75-inch baseball-size), a May 2016 tornado that tore a home in half, and a May 2004 downburst that destroyed one home and damaged 18 others. — Recurrent hail and wind events make roof, siding, and comprehensive auto claims common, so adequate wind/hail coverage and proper replacement-cost valuation matter here.
Local figures compiled from public sources: en.wikipedia.org · census.gov · en.wikipedia.org · point2homes.com · wjhl.com · en.wikipedia.org. 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.
Kingsport, TN insurance — common questions
How much does insurance cost in Kingsport, TN?
Rates in Kingsport and Sullivan 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 Kingsport?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Kingsport and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Kingsport 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.