Germantown Insurance Rates:

Germantown, TN homeowners insurance is nearly $750 to $1,020, about $62-$85/month. Our complete analysis reveals consumers can save as much as $354 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Geico
The seem very honest and even when i over payed one time they send me a cheque back with the amount i over payed.
Progressive
I don't like that progressive does not lower the cost of my home insurance policy at renewal times. my auto insurance always seems to decrease (unless i reported an accident the previous period), but nothing bad has ever happened to my home and yet the cost of the policy never decreases.
Grange Insurance
The next positive that i have with them is the fact that they give me a multi-line discount as well as offer monthly payments and not a lot of companies do that
Erie Insurance
I feel like the person I speak with is a very friendly family friend. They want to know what I like and dislike about the insurance.

Germantown, TN Homeowners Insurance By Home Value

Germantown, TN Home Value Total Homes % of Total Average Germantown, TN Homeowners Insurance
Less than $50,000 145 1.0% $70
$100,000 to $124,999 163 1.0% $336
$125,000 to $149,999 217 2.0% $424
$150,000 to $174,999 479 5.0% $495
$175,000 to $199,999 717 7.0% $575
$200,000 to $249,999 2,801 29.0% $690
$250,000 to $299,999 2,137 22.0% $849
$300,000 to $399,999 2,548 26.0% $1079

Top Home Insurance Agents Near Germantown, TN

Home Insurance Company Near Germantown, TN Homeowners Insurance Agency Near Germantown, TN Address
NA Koonce, Erwin & Wilkes, Inc. 1246 Edwards Avenue, Tunica, MS, 38676
State Farm Jeff Candebat 7989 Fischer Steel Rd Ste 1, Cordova, TN, 38018-6279
Nationwide Keith Allen Hawsey Agency 155 Stateline Rd E Ste 2, Southaven, MS, 38671
Allstate Stephen Hutton 5172 American Way, Memphis, TN, 38115
Travelers Usi Insurance Services Llc 5100 POPLAR AVE STE 1200, MEMPHIS, TN, 38137

Cost Of Homeowners Insurance By Street Near Germantown, TN

Streets in Germantown Area Homeowners Insurance Cost
Grove Meadow Ct, Winged Foot Ln, Green Downs Cove, Candy Apple Cove, Hapano Dr, Gumleaf Cove, Estanaula Rd, Cloudy Cape Cove, Guilford Cove, Holmes Rd$924
Club Lake, Waterleaf Dr, Tournament Dr S, Calumet Farms Dr, Peyton Ridge Dr, Forestwood Rd, Whisperwoods Cv, Savannah Way, Dogwood Gardens Dr, Parkgate Cv$892
Majestic Trl, Grove Spring Dr, E Old Hearthstone Cir, Park Manor Ln, Professional Plz, Briarbirch Cove, Shadeley Dr, Pebble Creek Ln, Farindon Dr, Crestwyn Cove$920
Burntwood Cove, Barkley Manor Cove, Linton Cove, Mont Albon Cove, E Bryn Mawr Cir, Spring Hollow Ln, Ravenhill Dr, Hollow Fork Rd, Allenby Green, Gratton Ln$876
Rowan Ln, Neshoba Trace Cove, McHenry Cir E, Farmington Bend Dr, Dogwood Villa Dr, E Bridge Dr, Malabar Dr, Poplar Grove Ln, Ludlow Cove, Aldwych Dr$857
Enclave Green Ln N, Blue Birch Dr, Dowden Cove, Harvest Oaks Dr, Shannon Oaks Cove, Garrick Dr, Wargate Ln, Fiddlers Elbow Dr, Enterprise Ave, Eversholt Ln$859
Barkley Dale Dr, Rolling Valley Dr, Sunwood Ln, Cross Village Dr, Wolf Park Dr, Overlook Dr, Meadow Wood Cove, Dogwood Oaks Cove, Windebank Ct, Center Ridge Rd$909
Denali Park Cove, Remington Trce, Anns Ln, Dogwood Trail Dr, Club Breeze Dr, Old Poplar Pike, Germanwood Ln, Ravencliff Cove, Oak Hill Rd, Bell Manor Cove$923
W Farmington Blvd, Summer Springs Rd, Akerswood Dr, Grove Trail Cove, Mercedes Blvd, Hill Creek Cove, County Gate Rd, Peyton Pkwy, Bent Grass Cir, May Woods Ln$871
Monte Carlo Cove, Colbert St W, Penbrook Cove, Chickasaw Land Way, Deerfield Ln, Laurel Knoll Ln, Laird Cir, Green Pastures Cove S, Glacier Bay, Cross Flower Dr$910

Germantown, TN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Germantown$132 to $135
Collierville$132
Olive Branch$145
Shelby County$121

Germantown, TN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Collierville town, Tennessee $110 $147 $220
Olive Branch city, Mississippi $121 $161 $242
Shelby County, Tennessee $101 $135 $202

Germantown, TN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Germantown, TN3.3%10.2%
Collierville3.29%11.25%
Olive Branch5.63%20.33%
Shelby County4.75%13.91%

Germantown Renters Insurance as a Percentage of Rent

Germantown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 133 7.0% $1885
$750 to $999 333 19.0% $2635
$1,000 to $1,499 495 29.0% $3760
$1,500 or more 737 43.0% $5410

Germantown, TN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Germantown Homeowner Insurance Premium Example $1,500$1,300
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,800$13,200
Net Savings to Germantown Home Owner from High Deductible Plan $600

Germantown, TN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Germantown, TN Home Replacement Value MORE than Home Value Germantown, TN Home Replacement Value LESS than Home Value
Replacement Value $191,500 $123,500
Insurance Premium based on Replacement Value $1,150 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $50,500 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $300/year

Example Germantown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmTravelers
Monthly Premium 11169207
Year Built 201120011987
Home Details 4 Beds, 2 Baths5 Beds, 4 Baths5 Beds, 2 Baths
Coverage Amount $350000-$400000$200000-$250000$600000-$700000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Germantown, TN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1985 260,000 Composition Roof 2,110 4 $5000 to $10,000 Deductible 70 1 Brick siding No
2005 490,000 Membrane Roof 2,850 5 $500 Deductible 1200 8 Vinyl siding No
1985 505,000 Composition Roof 2,860 5 $500- $1000 Deductible 1840 10 Fiber-Cement Siding No
2004 865,000 Slate Shingles Roof 4,970 5 $1000-$2500 Deductible 3340 12 Fiber-Cement Siding No
1994 425,000 Membrane Roof 3,060 4 $5000 to $10,000 Deductible 510 5 Brick siding yes
2005 250,000 Asphalt Shingles Roof 1,620 4 $500- $1000 Deductible 1040 12 Vinyl siding yes
2012 835,000 Asphalt Shingles Roof 4,920 5 $500- $1000 Deductible 3520 10 Vinyl siding No
1997 740,000 Wood Shake Roof 4,220 5 $500 Deductible 1910 6 Stucco siding yes
2013 395,000 Wood Shake Roof 2,410 5 $1000-$2500 Deductible 220 2 Vinyl siding No
1992 295,000 Metal Roof 2,450 4 $500 Deductible 600 5 Brick siding No
2006 490,000 Shingles Roof 3,380 5 $5000 to $10,000 Deductible 1500 10 Stone Siding yes
1982 315,000 Metal Roof 2,180 4 > $10,000 Deductible 480 5 Brick siding No
2014 420,000 Composition Roof 3,350 4 $500 Deductible 610 4 Brick siding yes
2010 290,000 Metal Roof 2,430 5 $1000-$2500 Deductible 1210 12 Brick siding yes
2012 225,000 Membrane Roof 1,710 4 $500- $1000 Deductible 750 10 Brick siding No
1991 375,000 Slate Shingles Roof 2,600 4 > $10,000 Deductible 160 2 Fiber-Cement Siding No