The top-rated flood insurance agent in Lebanon, Tennessee is Choice One Insurance Services, rated 4.8 stars across 156 reviews. Other highly rated options include Farm Bureau Insurance, Higginbotham Insurance & Financial Services - Lebanon, TMW Insurance Group. This directory lists 20 flood insurance agents serving Lebanon.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Choice One Insurance Services | 908 W Main St | (615) 288-9013 |
| 2 | Farm Bureau Insurance | 117 Southside Park Dr | (615) 444-0614 |
| 3 | Higginbotham Insurance & Financial Services - Lebanon | 1633 W Main St Bldg 800 | (615) 547-6161 |
| 4 | TMW Insurance Group | 5760 TN-109 | (615) 632-6655 |
| 5 | Aargus Insurance Services | 102 Hartmann Dr | (615) 443-9008 |
| 6 | Don Scott Insurance, Inc. | 1102 W Main St | (615) 444-3620 |
| 7 | AGL Insurance Agency | 1123 N Castle Heights Ave # F | (615) 905-6190 |
| 8 | Powell & Meadows Insurance Agency | 431 W Main St | (615) 444-7000 |
| 9 | Smith Insurance & Investments | 202 E Gay St | (615) 547-6300 |
| 10 | First Insurance Group | 215 N Cumberland St | (615) 443-4778 |
Choice One Insurance Services serves the Lebanon, Tennessee area and surrounding Wilson County as a flood insurance agent. The company helps property owners understand and secure coverage against potential flood damage. It assists with evaluating individual risk factors for homes and businesses. Claims assistance and policy adjustments are also handled by this agency. The firm specifically processes National Flood Insurance Program applications and offers advice on flood zone map changes.
Farm Bureau Insurance serves Lebanon, Tennessee, and the surrounding communities in Wilson County. As a flood insurance agent, the company handles policies that protect residential and commercial properties from flood damage, including coverage for structures and contents. This type of insurance is typically required for homes in designated flood zones but is available for any property owner. To handle a typical job, the agent assesses the property’s flood risk and guides clients through the National Flood Insurance Program’s application and documentation process.
Serving Lebanon, Tennessee, Higginbotham Insurance & Financial Services provides personalized flood insurance consultations and policy management for properties in designated flood zones and areas with high rainfall risk. The agency assists clients with understanding flood maps and securing appropriate coverage levels for structural protection and contents. It offers ongoing policy reviews to ensure coverage remains aligned with changing property values and evolving hazard conditions. Annual plan renewals include discussions about new floodplain maps and updated building codes. This agency services single-family homes, apartment complexes, retail spaces, and local restaurants.
At TMW Insurance Group in Lebanon, TN, clients can choose between a one-time policy review for current flood risk or an ongoing service that updates coverage as federal maps change. The agency helps property owners secure National Flood Insurance Program or private policies, covering structures and contents against rising water and storm surge. Service runs on an as-needed basis, though annual policy reviews are recommended to match evolving flood zones and coverage limits.
Homeowners, businesses, and property managers in Lebanon, TN, turn to Aargus Insurance Services for flood insurance agent support. The firm guides clients through the complexities of flood risk assessment and policy selection, helping them secure coverage that aligns with their property’s exposure. Aargus handles applications and policy reviews for both residential and commercial structures, ensuring customers understand their options thoroughly. Its service area also extends to nearby Mount Juliet, Tennessee, providing the same dedicated local guidance to property owners along the bustling corridor.
Serving Lebanon, Tennessee, and the surrounding communities of Wilson County, Don Scott Insurance, Inc. handles flood insurance policies for homeowners and business owners. The agency assists clients in understanding the specific flood risks that affect properties in local floodplains and low-lying areas. It works to explain coverage options from the National Flood Insurance Program and private carriers. To handle a typical job, it begins by reviewing a property's flood zone designation and then identifies a policy that matches the structure and the client's financial needs.
As spring storms and seasonal downpours increase the risk of flash flooding in Wilson County, AGL Insurance Agency helps property owners in Lebanon, TN assess their flood exposure. The agency focuses on explaining federal flood zone designations and how standard homeowners policies exclude rising water damage. They work with clients to review potential structural vulnerabilities in basements and lower levels. Every consultation begins with a thorough look at the property’s elevation certificate and a walkthrough of high-risk areas to identify where coverage is most needed.
Powell & Meadows Insurance Agency specializes in flood insurance for properties in Lebanon, TN, offering policies to protect homes and businesses from water damage. The agency works with local clients to assess flood risks and secure coverage tailored to each property’s location and value. It helps residents prepare for spring storms and heavy rainfall that often cause flash flooding in the area, ensuring policies address potential claims before severe weather arrives.
Smith Insurance & Investments serves Lebanon, Tennessee, handling flood insurance as either a one-time policy for immediate protection or a recurring plan for ongoing property security. Coverage typically includes structural damage and personal property loss from rising water, addressing local floodplain risks. Homeowners and renters can obtain policies that meet federal requirements for disaster assistance eligibility. Service runs on a scheduled basis for annual renewals and as needed for new properties after flood map changes or heavy rainfall events.
First Insurance Group primarily offers Federal Emergency Management Agency-compliant flood insurance policies for residential and commercial properties in Lebanon, Tennessee. Its general service work includes assessing local flood zone risks and assisting with policy applications to protect against water damage. The agency guides clients through the thirty-day waiting period for most new policies, helping with coverage before seasonal storms arrive.
What Does a a Flood Insurance Agent in Lebanon Cost?
Flood insurance costs in Tennessee vary widely based on flood zone, property value, and coverage amount. For an NFIP policy, annual premiums typically range from 700 to 2,000 dollars for a standard home in a moderate-risk area. Properties in high-risk zones may see premiums of 2,000 to 5,000 dollars or more. Private flood insurance can sometimes be cheaper or offer higher limits. This is general information, not insurance advice.
About flood insurance agents in Lebanon
Flood insurance agents in Lebanon, Tennessee help property owners secure coverage through the National Flood Insurance Program or private insurers. Tennessee law does not require flood insurance, but mortgage lenders often mandate it for properties in high-risk flood zones. Agents can explain local flood maps and help you choose a policy that meets your needs.
Frequently Asked Questions
Do I need flood insurance in Lebanon Tennessee?
Flood insurance is not required by Tennessee state law. However, if your home is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, flooding can occur, so many homeowners choose optional coverage.
What does a flood insurance agent in Lebanon do?
A flood insurance agent helps you compare NFIP and private flood policies, explains coverage limits and deductibles, and assists with filing claims. They also review flood zone maps for your property and advise on additional endorsements like basement coverage or increased cost of compliance.
How long does it take to get flood insurance in Tennessee?
NFIP policies typically have a 30-day waiting period before coverage begins, unless the policy is purchased in connection with a new home loan. Private flood insurers may offer shorter waiting periods. An agent can explain the timing for your specific situation.
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