Bell Insurance Solutions
2 Oak Dr, Ste A, Maryville, IL 62062
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Maryville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2 Oak Dr, Ste A, Maryville, IL 62062
View this agency's profile to learn more about their services.
6201 W Main St, Ste 100, Maryville, IL 62062
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Maryville residents.
Maryville insurance guide covering auto, home, renters, and flood coverage. Learn Tennessee requirements, local rates, and find Blount County agents.
Home InsuranceCompare Maryville home insurance rates averaging $2,100-2,500/year. Learn about flood risks, weather factors, and coverage needs for Blount County homes.
Car InsuranceGet affordable auto insurance in Maryville, TN. Learn about Tennessee's 25/50/15 minimums, at-fault system, and average rates in Blount County for 2025-2026.
Tennessee requires all drivers, including those in Maryville, to carry minimum liability coverage of 25/50/25. This means $25,000 per person for bodily injury, $50,000 total per accident for injuries, and $25,000 for property damage. However, these minimums may not be enough to cover serious accidents, so many experts recommend higher limits like 100/300/100 if your budget allows.
It depends on where you live. About 8% of Maryville properties face significant flood risk from the Little River and mountain runoff. Standard homeowners insurance doesn't cover flooding, so you'll need a separate flood policy through NFIP or private insurers. Even outside high-risk zones, flood insurance is worth considering given Maryville's proximity to waterways and the Smoky Mountains.
Tennessee homeowners pay an average of $3,045 per year for home insurance, or about $254 monthly. Your actual rate in Maryville will depend on your home's age, construction type, location, and coverage limits. With home values averaging around $400,000 and recent price appreciation of 33%, it's important to review your policy regularly to ensure you have adequate replacement cost coverage.
Tennessee law doesn't require renters insurance, but many Maryville landlords now require it as a lease condition. Even if it's not mandatory, renters insurance is highly recommended. For just $15-30 per month, you get coverage for your belongings plus liability protection if someone is injured in your apartment or you accidentally cause damage to the building.
Both options have merit. Maryville has four local agencies that understand Blount County-specific risks like flood zones, winter weather patterns, and wildlife collisions. Local agents provide personalized service and can bundle policies effectively. That said, comparing quotes from both local agents and online carriers ensures you get competitive pricing. Get at least three quotes before deciding.
Common discounts include multi-policy bundling (combining auto and home insurance), claims-free discounts, good driver discounts, home security system credits, and newer home discounts. Some insurers offer savings for automatic payments, paperless billing, or good credit scores. Ask your agent or carrier about all available discounts—they can reduce your premiums by 20% or more when combined.
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