Fowler Insurance & Employee Benefits, Inc.
3066 Fountainside Dr, Suite 101, Germantown, TN 38138
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3066 Fountainside Dr, Suite 101, Germantown, TN 38138
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2298 Germantown Rd S, Ste 1, Germantown, TN 38138
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1914 Exeter Road, Suite 1, Germantown, TN 38138
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7877 Summer Ave, Suite 100, Germantown, TN 38138
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2176 West Street, Suite 202, Germantown, TN 38138
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Learn about insurance coverage options specific to Germantown residents.
Complete insurance guide for Germantown, Tennessee. Learn about auto and home insurance requirements, flood coverage, local agents, and costs in Shelby County.
General Insurance EducationGet the complete insurance guide for Germantown, Maryland. Compare auto, home, and flood coverage from 5 local agents. Montgomery County rates average $1,412/year.
Home InsuranceComplete guide to home insurance in Germantown, Wisconsin. Learn about ice dam coverage, winter protection, rates, and how to get the best policy.
Home InsuranceGermantown, MD homeowners pay 8.5% less than Maryland's average. Compare rates, understand flood risks, and find coverage as property values rise 12.2%.
Home InsuranceGermantown, TN homeowners pay $3,453/year average. Learn about storm coverage, high-value home insurance, and how to avoid being underinsured.
Car InsuranceGermantown residents need more than TN's 25/50/15 minimums. Learn why higher limits matter in this affluent suburb and how to protect your assets.
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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