
Local Johnson City, Tennessee insurance coverage that fits your family & business needs, with a team that knows your name.
Home, flood, and auto insurance in Johnson City, Tennessee
Johnson City sits in the mountains of Northeast Tennessee, home to East Tennessee State University and close to the Appalachian Trail and Watauga Lake.
Flooding after Helene
Hurricane Helene (2024) brought historic flooding to Northeast Tennessee, including Unicoi and Carter counties next door. A standard policy does not cover flood, so we quote it separately and shop homeowners coverage.
Students and rentals
We write renters insurance for ETSU students and landlord policies for property owners.
Mountain driving and boats
We write auto insurance for drivers on I-26 and boat insurance for Boone and Watauga Lakes.
Your insurance team for Johnson City, Tennessee
We work with Johnson City households and business owners, and also serve nearby Elizabethton, Jonesborough, Gray, and Kingsport, along with communities across Tennessee.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.

We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.


"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance


Your trusted insurance advisor in Johnson City, Tennessee providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Johnson City, Tennessee.








