Your Local Independent Insurance Agency
Serving Tennessee since 1947.
Request a Quote
Our Carriers
Our insurance agency is not like the commercials you see on TV. Instead of representing a single insurance provider, we have access to a range of insurance companies that carry a variety of lines at different coverage levels and budgets. From affordable insurance plans covering the basics to policies with all the bells and whistles, we can help you create an insurance package that covers exactly what you want.
Because our agents can offer you a range of packages, you as the customer gain the advantage of accessing competitive pricing as you choose insurance coverage. When you work with an independent insurance agency in Lexington, TN like Carnal Roberts Agency, you get greater value for your money!
Request a Quote
Our Providers
Personal Coverage
HOMEOWNERS INSURANCE
We hope nothing happens to disrupt the peace and safety of our homes. But the reality is owning a home does come with certain risks. Home insurance can act as a safety net if unexpected events place a financial burden on you.
AUTO INSURANCE
With so much information available about car insurance, how do you know what kind of coverage you should have? Our agents are here to listen to your auto insurance needs and help you find solutions that meet your requirements.
RENTERS INSURANCE
You may not own the home you live in, but you still want protection for your belongings. Renters insurance covers your personal property in the event of theft, fire, and more. Even if you move, you can take your renters policy with you.
Commercial Coverage
GENERAL BUSINESS NEEDS
Businesses large and small often require the same basic commercial insurance policies. Our experienced agents are here to help you set up an insurance package that provides the coverage you’re looking for as a business owner.
EMPLOYEE PROTECTIONS
Providing benefits to your employees is a key part of running a business. Our agents can set you up with workers’ compensation insurance, 401k plans, and other essential employee protections based on your business’s needs.
INDUSTRY SPECIFIC COVERAGE
Go beyond the basics with insurance policies specifically designed with your unique industry in mind. From church insurance to farm coverage to liquor liability, our agents can get you set up with coverage that meets your needs.
Life Coverage
TERM LIFE INSURANCE
Life insurance does not have to be complicated. Term life is a simple and straightforward policy that lasts for a limited number of years. With more affordable premiums, term life insurance is popular with young families.
WHOLE LIFE INSURANCE
As its name suggests, whole life insurance lasts for your lifetime. Its benefits include a fixed premium, meaning you won’t have to pay more as you age. Your whole life policy is also guaranteed to build cash value over time.
UNIVERSAL LIFE INSURANCE
This lifelong policy allows you to adjust your premiums as needed, giving you the flexibility to prioritize what matters most to you. Not only that, but the tax-deferred savings account allows you to build long-term savings.
Customer Reviews
“Dependable professional personnel that responds to your needs in a timely manner…”
–David A.
“Great friendly hometown folks who treat you like family.”
– Cotton R.
“Carnal Roberts is second to none. Knowledgeable staff, great rates and easy communication!”
– Trevor S.
How Carnal Roberts Agency Addresses Your Needs
Choosing to work with an independent insurance agency gives you more options from different companies, potentially saving you money. Perhaps more importantly, an independent agent can help you better understand the coverage available to you, so you can make more informed decisions about your insurance. The ins and outs of insurance–deductibles, premiums, and more–are far more approachable with an independent agent on your side.