How Can I Make My Memphis, TN Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Memphis, TN covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
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Estimate Appropriate Memphis, TN Home Insurance Coverage Levels | Back to Top
| Memphis, TN - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Spey Cove, Knoll Ln, Dewitt Cove, Lasalle Pl, Sycamore Ridge Rd, Lynnfield Rd, Saunderton Way, Radford Rd, N Pauline St, Cosheco Cove | $162,000 | $140,000 | $125,000-$150,000 | $110,500 | $90,000 | $100,000-$125,000 |
| Longmeadow Dr, Black Hills Dr, Sturbridge Way, Ottawa Ave, Lester St, Woodcock Ct, Roxee Run Cv, Vaughn Rd, Brookfield Rd, Woodcutter Ln | $165,500 | $150,000 | $150,000-$175,000 | $101,500 | $80,000 | $100,000-$125,000 |
| Saddle Glen Cove, Tulip Hill Dr, Still Meadow St, Heartwood Dr, Golden Oaks Dr, Woodcrest Dr, Old Hickory Trl, Crimmins Dr, Bradcrest Cove, Running River Pl | $161,000 | $150,000 | $125,000-$150,000 | $100,000 | $80,000 | $75,000-$100,000 |
| Sussex Ave, Robindale Ln, Meadow Way Cove, Prince George St, Glencoe Rd, Kirkland Ave, Littlemore Dr, Forest Lake Dr, Alice Ave, Callaway Hills Cove | $116,500 | $90,000 | $125,000-$150,000 | $97,500 | $90,000 | $100,000-$125,000 |
| Nora Rd, Plover Dr, McVay Trail Dr, Ethlyn Ave, Bent Laurel Ln W, Genesis Cir, Sandy Hill Cove W, Canton Dr, Hampton Court Rd E, Shannon Ave | $323,500 | $300,000 | $250,000-$300,000 | $217,500 | $200,000 | $200,000-$250,000 |
| Beecham Pl S, Douglass Ave, Skippy St, Lemoyne Park Dr, S Frence Creek Cv, Cypress Cir, Ozan St, Willow Lake, Bethune Cove, Bankston Cove | $135,000 | $120,000 | $100,000-$125,000 | $88,500 | $80,000 | $100,000-$125,000 |
| Middlesex Ave, Estival Pl, Leaf Trail Ln, Goodhaven Dr, Braidwood Cove, Stage Park Pl, Forest Hill Way, Albon Dr, Warbonnet St, Ashton Manor Ln | $221,500 | $190,000 | $250,000-$300,000 | $143,000 | $120,000 | $125,000-$150,000 |
| Gold Stream Cv, Alta Rd, Woodston Rd, Featherwind Cove S, Kenneth St, Walden Meadow Dr, Invergarry Rd, Glenshaw Dr, Greenway Rd, Model Cove | $115,500 | $100,000 | $100,000-$125,000 | $104,000 | $90,000 | $75,000-$100,000 |
| Robin Hood Ln, Larue St, E Pkwy S, White Spruce Dr, Seville Ln, Busby Ave, Crillion Dr, Berrybrook Cove, Quality Dr, Bertha Ave | $126,500 | $100,000 | $100,000-$125,000 | $93,500 | $90,000 | $75,000-$100,000 |
| Burdan Cove, Duncansby St, Whitehaven Ln, Travis Rd, Hedge Hills Ave, Knight Ln, Alton Ave, Dunnavant St, Old Summer Rd, Forest Meadow Dr | $97,500 | $90,000 | $75,000-$100,000 | $70,500 | $60,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Memphis, TN | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$156 | $665 |
| Superior Protection Discount | -$82 | $739 |
| Fire & Security Discount | -$74 | $748 |
| Hail Resistant Roof Discount | -$25 | $797 |
| Newly Constructed Home Discount | -$173 | $649 |
Choose your Memphis, TN Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,156 |
| Physical Damage | $2,295 |
| Hail Damage | $4,524 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $16,386 |
Identify Top Home Insurance Agents near Memphis, TN | Back to Top
| Home Insurance Company Memphis, TN | Homeowners Insurance Agency Memphis, TN | Address | Popularity Score | Distance from Memphis (miles) |
|---|---|---|---|---|
| State Farm | Tim Grommersch | 1355 Lynnfield Rd Ste 125, Memphis, TN, 38119-5884 | 6.2 | |
| Liberty Mutual Independent | Smith-Berclair Insurance | 855 Ridge Lake Road Suite 400, Memphis, TN, 38120 | 6.3 | |
| Allstate | Angie Hooten-Hughes | 6803 Summer Ave, Memphis, TN, 38134 | 10.6 | |
| State Farm | Kevin White | 2861 Poplar Ave, Memphis, TN, 38111-2023 | 2.2 | |
| State Farm | Henry Hooper Ii | 348 S Main St, Memphis, TN, 38103-4208 | 5.0 | |
| Travelers | Mcdaniel - Whitley, Inc. | 800 Ridgelake Blvd Ste 300, Memphis, TN, 38120 | 6.3 | |
| State Farm | Charles Giordano | 2199 S Germantown Rd, Germantown, TN, 38138-3803 | 9.6 | |
| State Farm | Misty Rosser-White | 3872 Elvis Presley Blvd, Memphis, TN, 38116-5144 | 4.9 | |
| Liberty Mutual Independent | Clay & Land Insurance Inc | 866 Ridgeway Loop Ste 200, Memphis, TN, 38120 | 6.4 | |
| State Farm | Mike Fay | 6263 Poplar Ave Ste 535, Memphis, TN, 38119-4138 | 7.0 |
Compare Rates for Memphis, 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 | $710 | $1,440 | $730 |
| Shelby County, TN | $135,700 | $957 | $660 | $1,330 | $670 |
| Memphis, TN | $94,200 | $822 | $560 | $1,170 | $610 |
| Gallaway, TN | $153,100 | $1,047 | $740 | $1,430 | $690 |
| Braden, TN | $141,100 | $1,013 | $740 | $1,430 | $690 |
| Tipton County, TN | $142,400 | $976 | $700 | $1,360 | $660 |
| Moscow, TN | $87,700 | $819 | $550 | $1,120 | $570 |
| Carson, AR | $119,800 | $1,094 | $750 | $1,510 | $760 |
| Marshall County, MS | $94,300 | $987 | $720 | $1,370 | $650 |
| Garland, TN | $116,000 | $931 | $680 | $1,320 | $640 |
| Tunica, MS | $167,700 | $1,490 | $1,060 | $2,130 | $1,070 |
| Lepanto, AR | $62,400 | $809 | $570 | $1,120 | $550 |
| Burdette, AR | $63,200 | $813 | $550 | $1,130 | $580 |
Research Home Insurance Companies Reviews in Memphis, TN Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: January 12, 2020 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: January 12, 2020 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: July 02, 2019 Age: Above 60 Gender: Female Marital Status: Married
Date: April 03, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: December 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: October 22, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Date: September 23, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: September 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 02, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: August 13, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: August 11, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 09, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: July 27, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: March 05, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: March 05, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Allstate Home Insurance Reviews
Date: December 31, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 22, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Date: September 10, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: August 25, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: August 12, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Date: June 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Erie Insurance Home Insurance Reviews
Date: September 11, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: July 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 40 to 49 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 20 to 29 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Nationwide Home Insurance Reviews
Date: November 25, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: September 20, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: September 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: August 07, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: May 09, 2018 Age: Above 60 Gender: Male Marital Status: Married
Progressive Home Insurance Reviews
Date: January 09, 2020 Age: 40 to 49 Gender: Male Marital Status: Married
Date: December 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Liberty Mutual Home Insurance Reviews
Date: October 14, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: February 11, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
American Home Shield Home Insurance Reviews
Date: January 01, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
GEICO Home Insurance Reviews
Date: September 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Farmer's Insurance Home Insurance Reviews
Date: August 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Married