The top-rated condo insurance agent in Germantown, Tennessee is Frank Simmons - State Farm Insurance Agent, rated 5.0 stars across 704 reviews. Other highly rated options include Caleb Hollingsworth - State Farm Insurance Agent, Alisha Dumas - State Farm Insurance Agent, Davis McCord - State Farm Insurance Agent. This directory lists 20 condo insurance agents serving Germantown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Frank Simmons - State Farm Insurance Agent | 7730 Wolf River Blvd Suite 109 | (901) 755-7190 |
| 2 | Caleb Hollingsworth - State Farm Insurance Agent | 3059 Forest Hill Irene Rd #103 | (901) 755-3100 |
| 3 | Alisha Dumas - State Farm Insurance Agent | 2135 Merchants Row STE 5 | (901) 755-5551 |
| 4 | Davis McCord - State Farm Insurance Agent | 8608 Farmington Blvd Ste 3 | (901) 755-6110 |
| 5 | Marc Ashley - State Farm Insurance Agent | 3030 Forest Hill Irene Rd Ste 103 | (901) 755-2850 |
| 6 | Michael Duel: Allstate Insurance | 7608 Poplar Pike | (901) 767-7131 |
| 7 | Brandon Tate - State Farm Insurance Agent | 9091 Poplar Ave # 102 | (901) 266-0070 |
| 8 | Shoemaker Insurance Solutions | 2176 West St Suite 202 | (901) 757-5757 |
| 9 | Thompson Insurance Agency | 2298 S Germantown Rd # 1 | (901) 402-0779 |
| 10 | Matt Haaga - State Farm Insurance Agent | 7871 Farmington Blvd | (901) 755-5200 |
Frank Simmons - State Farm Insurance Agent serves the Germantown, TN metro area, specializing in condo insurance coverage for local property owners. This agency helps clients protect their individual units with liability protection and coverage for interior structures. Policies are tailored to address the specific needs of condominium living, including personal property and loss assessment coverage. The agency handles both primary residence and investment property condo policies in the Germantown region. Specific services include providing quotes for individual unit owners and advising on condominium association master policy interactions.
Caleb Hollingsworth - State Farm Insurance Agent in Germantown, TN provides a range of condo insurance services, including coverage for building property, personal belongings, and liability protection. Detailed policy evaluations help clients understand their specific risk exposures within their homeowners association agreements. Available service options include annual policy reviews to adjust coverage limits as needed. The agency regularly processes claims assistance and offers guidance on deductible selection. Its property services extend to condominiums, single-family homes, apartments, and select retail and restaurant locations.
Alisha Dumas, a State Farm Insurance agent in Germantown, TN, serves homeowners, condo owners, and property managers seeking specialized condo insurance. She helps clients understand the coverage differences between master policies and individual unit policies, addressing personal liability and interior protection needs. Policies are tailored to safeguard belongings and cover loss assessments. Using State Farm’s standard product offerings, her agency serves the greater Memphis metropolitan area, including nearby communities like Collierville.
Davis McCord, a State Farm Insurance Agent serving the Germantown, Tennessee, area and its surrounding communities, handles condo insurance for local homeowners and associations. The agency offers policies designed to cover interior structures, personal property, and liability exposures common to condominium living. This includes protecting unit owners from financial loss due to fire, theft, or water damage. For a typical job, it begins by reviewing the specific master policy from the condo association to identify coverage gaps, then tailors an individual policy to match the client's personal assets and risk tolerance.
When selecting coverage for a Germantown condo, condo owners often choose between a one-time policy purchase or recurring service options that adjust as needs evolve. Marc Ashley - State Farm Insurance Agent provides protection tailored to individual unit liability and interior structures, ensuring local compliance with homeowners association requirements. The agency assists clients in understanding policy distinctions and filling gaps in master coverage. Service is offered on an as-needed basis, with scheduled reviews available to update coverage when circumstances change.
Michael Duel: Allstate Insurance focuses on tailoring condo insurance policies for Germantown residents, addressing individual coverage needs for both interior fixtures and shared building assessments. The agency provides guidance in navigating common condo association requirements and standard homeowners policy differences, along with personal property and liability protection. It also aids clients in reviewing policy limits to ensure adequate coverage during the region’s active storm season, when wind and hail damage becomes a frequent threat to condominium roofs and windows.
As hurricane season brings heavy rain and wind to Germantown, TN, Brandon Tate - State Farm Insurance Agent provides coverage for condominium owners in this area. The company focuses on protecting personal property and interior fixtures that fall outside the master policy typically held by the homeowners association. Supplemental liability protection and loss-of-use coverage are also explained to clients during consultations. An in-person property inspection is arranged during the initial assessment step.
Shoemaker Insurance Solutions provides residential condo insurance services to clients in Germantown, Tennessee, and also offers commercial coverage for property owners within the surrounding area. Working as a local condo insurance agent, the company handles individual policy needs for unit owners and association-level coverage where required. The agency can discuss specific risk protections tailored to condo living arrangements. After policies are issued, clients may reach out between regular visits for policy adjustments or follow-up service to keep coverage current.
Thompson Insurance Agency provides comprehensive property coverage for residential units in Germantown, TN, specializing in condo insurance that protects individual policyholders’ interior structures, personal belongings, and liability. Their policies often include loss assessment and additional coverage for upgrades or renovations common in condominium living. The agency serves a variety of commercial sectors, such as office buildings, warehouses, and food service establishments, ensuring diverse property risks are appropriately managed.
Matt Haaga - State Farm Insurance Agent in Germantown, Tennessee is known for providing condo insurance coverage tailored to local condominium owners. Its service range includes policies that protect individual units against common risks such as fire, theft, and liability, while also addressing gaps in a building master policy. The agency works to match each policy to the unique needs of a specific condo association and unit owner. Specialty add-on services include coverage for costly plumbing backups or additional personal property protection.
What Does a a Condo Insurance Agent in Germantown Cost?
Typical condo insurance costs in Germantown Tennessee range from 300 to 600 dollars per year for a standard HO-6 policy. Factors like unit size location and coverage limits affect the premium. Higher deductibles can lower your cost. This is general information not insurance advice.
About condo insurance agents in Germantown
Condo insurance agents in Germantown Tennessee help you understand the specific coverage needed for your unit. Tennessee law requires condo owners to have an HO-6 policy that covers interior structure and personal property. Local agents can explain how your condo associations master policy interacts with your individual coverage.
Frequently Asked Questions
What does a condo insurance agent in Germantown do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property and interior improvements. They review your condo associations master policy to identify gaps in coverage. They also advise on liability protection and loss assessment coverage.
Is condo insurance required by law in Tennessee?
Tennessee law does not require condo insurance by statute. However most mortgage lenders require an HO-6 policy. Your condo association may also require proof of insurance in their bylaws or declaration.
How does Tennessee law affect condo insurance coverage?
Tennessee follows the unit owner responsibility model where you insure the interior of your unit. The condo association insures common areas and the building structure. An agent can help you understand your liability under the Tennessee Condominium Act.
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