Koetting Insurance & Resource Agency, LLC
904 Mill St, Germantown, IL 62245
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904 Mill St, Germantown, IL 62245
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Germantown residents.
Get the complete insurance guide for Germantown, Maryland. Compare auto, home, and flood coverage from 5 local agents. Montgomery County rates average $1,412/year.
Tennessee requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident for total bodily injuries, and $25,000 for property damage. However, most insurance experts recommend higher limits like 100/300/100 to adequately protect your assets, especially in affluent areas like Germantown where a serious accident could result in significant liability.
Standard homeowners insurance doesn't cover flood damage, and Shelby County does have flood risk. Check your property's flood zone on FEMA's Flood Insurance Rate Maps to assess your risk. If you're in a high-risk zone with a federally backed mortgage, flood insurance is required. Even if you're not required to buy it, the coverage can be affordable and provides important protection against overland flooding from heavy rains.
Tennessee homeowners pay an average of $3,045 annually for home insurance, or about $254 per month. Your actual rate depends on your home's age, construction type, location, coverage limits, and other factors. Germantown's well-maintained properties and low crime rates can help lower premiums, but it's important to compare quotes from multiple carriers to find the best rate.
Independent agents can shop multiple insurance carriers on your behalf and compare coverage options from different companies, giving you more choices. Captive agents represent a single insurance company and only sell that company's products. Both can provide good service, but independent agents offer more flexibility when comparing rates and coverage.
Umbrella insurance provides extra liability coverage above your auto and home policies, typically starting at $1 million. For Germantown residents with significant assets and high property values, umbrella coverage is an affordable way to protect against catastrophic liability claims. It's especially worth considering if you have a high net worth, own multiple properties, or have teenage drivers in your household.
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