The top-rated flood insurance agent in Bartlett, Tennessee is Jeff Herman - State Farm insurance Agent, rated 4.9 stars across 416 reviews. Other highly rated options include Lofton Wells Insurance, McDonald Insurance & Financial Services, Elizabeth Rook Insurance. This directory lists 18 flood insurance agents serving Bartlett.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jeff Herman - State Farm insurance Agent | 3205 Kirby Whitten Rd Suite 101 | (901) 388-4402 |
| 2 | Lofton Wells Insurance | 6187 Stage Rd | (901) 377-7935 |
| 3 | McDonald Insurance & Financial Services | 5820 Stage Rd | (901) 385-1234 |
| 4 | Elizabeth Rook Insurance | 3189 Kirby Whitten Rd Suite 106 | (901) 867-7283 |
| 5 | James Garcia: Allstate Insurance | 6490 Memphis Arlington Rd #110 | (901) 381-4747 |
| 6 | Bob Simpson - State Farm Insurance Agent | 7140 US-64 Ste 118 | (901) 381-1233 |
| 7 | Gregory Lawrence: Allstate Insurance | 2768 Bartlett Blvd | (901) 388-8220 |
| 8 | Joseph Green - State Farm Insurance Agent | 2830 Summer Oaks Dr Suite 101 | (901) 381-1233 |
| 9 | Mark A Hardin - State Farm Insurance Agent | 3098 Kirby Whitten Rd | (901) 388-0822 |
| 10 | Kellon Insurance Agency, Inc. | 2951 Elmore Park Rd | (901) 386-2400 |
Jeff Herman - State Farm Insurance Agent serves the Bartlett, Tennessee area as a flood insurance agent. The agency works with homeowners and renters to help secure financial protection against flood damage. Standard homeowners policies do not usually cover rising water or storm surge, so a separate policy is often necessary. The agent guides clients through the National Flood Insurance Program requirements and assists in assessing property risk levels. Jeff Herman - State Farm Insurance Agent handles flood insurance policy applications and claims assistance for local residents.
Lofton Wells Insurance in Bartlett, TN, provides comprehensive flood insurance services, helping property owners secure coverage against water damage from storms and rising waterways. The company assists clients in understanding policy options and navigating the application process. It offers guidance on maintaining appropriate coverage limits as flood risks change over time. Annual policy reviews help ensure that deductibles and building limits remain suitable for evolving needs. Lofton Wells Insurance serves a variety of residential and commercial properties, including single-family homes, apartments, retail spaces, and restaurants.
With seasonal storms threatening the Memphis area, homeowners in Bartlett seek reliable guidance to protect their properties from water damage. McDonald Insurance & Financial Services meets this need as a local Flood Insurance Agent, helping residents understand federal program requirements and policy options that cover rising waters from severe weather. They assist clients in Bartlett and surrounding communities in securing appropriate coverage for homes and businesses exposed to flood risks. An initial assessment of the property’s elevation and flood zone designation begins the process of finding suitable protection.
Elizabeth Rook Insurance serves the Memphis metropolitan area and surrounding communities, including Bartlett. The agency handles flood insurance policies for homeowners, renters, and commercial property owners across the region. Coverage is written to protect against rising water and storm surge risks commonly faced in the Mid-South. Each policy is reviewed carefully to match the specific exposure of the property location. The agency completes a thorough property assessment and flood zone analysis before recommending a policy.
James Garcia: Allstate Insurance serves homeowners, businesses, and property managers in Bartlett, Tennessee, by helping them secure flood insurance policies that protect against water damage from seasonal storms and rising creek levels. Standard homeowners policies typically exclude flood coverage, so the agency provides guidance on assessing property risk and selecting appropriate National Flood Insurance Program plans. The office also works with clients in nearby Germantown and surrounding areas of the Memphis metro region.
For a one-time service, Bob Simpson - State Farm Insurance Agent in Bartlett, TN assesses a property to design a specific flood policy, whereas ongoing coverage involves annual renewals with updated flood maps. The agency helps residents secure National Flood Insurance Program plans for homes or businesses in special flood hazard areas. Claims assistance is available after a flood event. Service is structured on an as-needed basis, with annual policy reviews upon request.
Spring storms in the Memphis area often bring flash flooding to Bartlett lowlands, and Gregory Lawrence: Allstate Insurance advises homeowners on appropriate coverage for such seasonal risks. As a flood insurance agent, the company helps clients understand National Flood Insurance Program options and supplemental policies. Whether for a river-adjacent property or a new home in a designated flood zone, the agent walks customers through policy limits and exclusions. The initial step involves a free inspection of the property’s risk level and a review of current deductibles.
Joseph Green - State Farm Insurance Agent in Bartlett, TN, provides general property insurance policies to local residents. The agency specializes in adding flood insurance coverage to protect homes and businesses from water damage common in the Mid-South region. This specialty protects structures against rising waters that standard policies exclude. The office serves a variety of commercial sectors, including offices, warehouses, and food service operations.
As a local insurance provider in the Bartlett, Tennessee area, this agency works with property owners to maintain general insurance policies and offers specialized flood insurance coverage. A flood insurance agent helps residents and businesses protect structures and contents against water damage not covered by standard homeowners or renters policies. This agency serves diverse commercial sectors, including office complexes, warehouses, and food service establishments that require comprehensive flood protection.
What Does a a Flood Insurance Agent in Bartlett Cost?
Flood insurance premiums in Tennessee vary by flood zone, property elevation, and deductible. For an NFIP policy, annual premiums typically range from 700 to 2,500 dollars for a standard home in a moderate-risk zone. Higher-risk areas or properties with basements may cost more. Private flood insurance may offer different pricing. This is general information and not insurance advice.
About flood insurance agents in Bartlett
Flood insurance agents in Bartlett, Tennessee help property owners secure coverage through the National Flood Insurance Program (NFIP) and private insurers. Bartlett is located in Shelby County, which participates in the NFIP and requires flood insurance for properties in high-risk flood zones with a federally backed mortgage. An agent can explain Tennessee floodplain management rules and help you find a policy that meets your needs.
Frequently Asked Questions
Do I need flood insurance in Bartlett Tennessee?
If your property is in a FEMA-designated high-risk flood zone and you have a federally backed mortgage, flood insurance is required. Even in low-risk areas, many homeowners choose a policy because flooding can happen anywhere in Tennessee.
How do I find a flood insurance agent in Bartlett?
You can search the NFIP agent locator on FloodSmart.gov or ask local real estate agents for referrals. Many independent insurance agencies in Bartlett offer flood policies as part of their services.
What does a flood insurance policy in Tennessee cover?
A standard NFIP policy covers direct physical damage to your building and personal property from flooding. It does not cover temporary housing, landscaping, or basement improvements. An agent can review specific coverage limits with you.
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