Insurance & Coverage Disclaimer
Important details about quotes, policies, eligibility and coverage decisions.
Last updated: October 30, 2026.
Riddle Agency provides insurance-related information and assists with inquiries about auto, home, life, farm and business coverage. This page explains the limits of information presented on this website.
No coverage is bound online
No coverage is issued, renewed, changed, cancelled or bound simply by viewing this website, sending a form or receiving a preliminary response. Only an authorized insurer or representative can confirm binding and effective dates through the proper process. Do not rely on website content to confirm that a particular risk is insured.
Coverage terms govern
The actual insurance application, declarations, endorsements, exclusions, conditions and issued policy determine coverage. Examples of common risks and coverage types on this website are illustrative and are not a promise that a given loss, property, activity or person will be covered.
Quotes, eligibility and premiums
Quotes are estimates subject to availability, application details, underwriting, insurer approval and applicable rules. A requested limit or premium is not guaranteed. Discounts, bundling opportunities and policy features vary by insurer and applicant.
Licensing and service area
Availability of insurance products in Tennessee, Alabama and Georgia depends on applicable producer and agency licensing, insurer appointments, product authorization and individual eligibility. Contact Riddle Agency to confirm service and product availability for your location.
Claims and emergencies
A website message does not report a claim to an insurer or create a claim record with that insurer. For an urgent incident, prioritize safety and use the claims reporting number on your policy or insurer’s official site. Coverage and payment decisions are made by the insurer under the policy.
Images, testimonials and third parties
Some website photographs are illustrative and do not portray actual Riddle Agency employees, customers or the office. Any reviews displayed through third-party services are the opinions of their respective authors and should not be interpreted as promises about coverage or outcomes. Links to carriers and external services do not mean a specific policy is available.
Get specific guidance
For information about your own circumstances, contact Riddle Agency at (931) 455-0549, michelle@riddle.agency, or request a quote. Read the Terms of Use and Privacy Policy as well.