How Can I Make My Germantown, TN Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Germantown, TN by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Germantown, TN Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $90,000 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $146,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $272,000 | $260,000 | $300,000-$350,000 |
| 4 Bedroom | $380,500 | $360,000 | $300,000-$350,000 |
| 5 Bedroom | $670,000 | $630,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in Germantown, TN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$187 | $1,060 |
| Superior Protection Discount | -$125 | $1,123 |
| Fire & Security Discount | -$125 | $1,123 |
| Hail Resistant Roof Discount | -$25 | $1,222 |
| Newly Constructed Home Discount | -$349 | $898 |
Choose your Germantown, TN Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,440 |
| Hail Damage | $4,665 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $15,884 |
Identify Top Home Insurance Agents near Germantown, TN | Back to Top
| Home Insurance Company Germantown, TN | Homeowners Insurance Agency Germantown, TN | Address | Popularity Score | Distance from Germantown (miles) |
|---|---|---|---|---|
| Travelers | Smith-Berclair Insurance | 855 Ridge Lake Blvd Ste 400, Memphis, TN, 38120 | 5.2 | |
| Allstate | James Garcia | 6490 Mem Arlington Rd Ste 110, Bartlett, TN, 38135 | 10.6 | |
| State Farm | Leslie Johnson | 8348 Macon Rd Ste A, Cordova, TN, 38018-8554 | 5.1 | |
| State Farm | Alisha Dumas | 2135 Merchants Row Ste 5, Germantown, TN, 38138-3816 | 1.8 | |
| Travelers | Brock And Poole Insurance Agency Inc | 340 New Byhalia Rd Ste 4a, Collierville, TN, 38017 | 5.8 | |
| State Farm | Kacky Kortenber | 7900 Winchester Rd Ste 101, Memphis, TN, 38125-2396 | 2.5 | |
| State Farm | Henry Hooper Ii | 348 S Main St, Memphis, TN, 38103-4208 | 16.0 | |
| Farmers | Amie Vowell | 8596 Farmington Blvd Ste 1, Germantown, TN, 38139 | 1.1 | |
| State Farm | Matthew Gant | 5079 Park Ave, Memphis, TN, 38117-5701 | 6.5 | |
| State Farm | Misty Rosser-White | 3872 Elvis Presley Blvd, Memphis, TN, 38116-5144 | 14.0 |
Compare Rates for Germantown, TN Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Tennessee | $151,700 | $1,044 | $720 | $1,430 | $710 |
| Shelby County, TN | $135,700 | $957 | $640 | $1,360 | $720 |
| Germantown, TN | $302,800 | $1,247 | $860 | $1,770 | $910 |
| Byhalia, MS | $109,100 | $1,157 | $830 | $1,600 | $770 |
| Braden, TN | $141,100 | $1,013 | $720 | $1,400 | $680 |
| Proctor, AR | $64,600 | $821 | $600 | $1,120 | $520 |
| Clarkedale, AR | $220,200 | $1,503 | $1,020 | $2,090 | $1,070 |
| Fogleman, AR | $54,800 | $768 | $530 | $1,100 | $570 |
| Bassett, AR | $22,000 | $579 | $400 | $820 | $420 |
| Heth, AR | $46,900 | $724 | $500 | $1,040 | $540 |
| Monroe, AR | $78,100 | $748 | $550 | $1,070 | $520 |
| Bolivar, TN | $97,000 | $722 | $520 | $1,030 | $510 |
| Hickory Flat, MS | $74,700 | $925 | $670 | $1,270 | $600 |
Research Home Insurance Companies Reviews in Germantown, TN Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 14, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I am unsure how my deductible and premium compare to other companies. I have had the same insurance company for years. I am sure I could find a lower premium elsewhere but the hassle of changing.
Travelers Home Insurance Reviews
Date: July 08, 2019 Age: 40 to 49 Gender: Married Marital Status: Female
Premium
When i changed to State Farm they were able to beat what I was paying by $300 a year. Plus I had better coverage.
Safeco Insurance Home Insurance Reviews
Date: August 08, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
Out policy is a lot less than our old provider and has greater coverage. I am really happy with the coverage we have at the cost. We also have an umbrella policy and it's still less!