The top-rated flood insurance agent in Hendersonville, Tennessee is Lauren Tullos - State Farm Insurance Agent, rated 5.0 stars across 275 reviews. Other highly rated options include Shrum Insurance Services, Farm Bureau Insurance, Chris Florek Insurance Agency. This directory lists 20 flood insurance agents serving Hendersonville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lauren Tullos - State Farm Insurance Agent | 361 W Main St | (615) 348-4196 |
| 2 | Shrum Insurance Services | 132 Maple Row Blvd Suite 610 | (615) 822-7680 |
| 3 | Farm Bureau Insurance | 185 Indian Lake Blvd F | (615) 826-2833 |
| 4 | Chris Florek Insurance Agency | 260 W Main St ste 110-c | (615) 431-2886 |
| 5 | Melissa French: Allstate Insurance | 105 Bluegrass Commons Blvd Ste A | (615) 338-4500 |
| 6 | Martinek Insurance Services a division of Southern Insurance Group LLC | 394 W Main St B5 | (615) 824-7577 |
| 7 | P&C Insurance | 131 Maple Row Blvd STE B200 | (615) 447-8102 |
| 8 | Williamson Insurance & Investments LLC | 133 Indian Lake Rd STE 101 | (615) 826-3313 |
| 9 | Hicks Watson Insurance Agency | 139 Maple Row Blvd STE 200 | (615) 824-8869 |
| 10 | Shelter Insurance - Jay Roth | 297 New Shackle Island Rd | (615) 822-5500 |
Lauren Tullos - State Farm Insurance Agent serves the Hendersonville, Tennessee, area and surrounding communities, specializing in flood insurance and general property protection. Policies help safeguard homes and businesses against water damage from rising waters and heavy storms. The agency assists clients in the broader Sumner County region with understanding coverage options for their specific properties. It handles individual flood insurance policies and comprehensive homeowners insurance reviews for local residents.
Shrum Insurance Services provides comprehensive flood insurance solutions, including policy consultations, risk assessments, and claims assistance. Its service plans include regular policy reviews and coverage updates to adapt to changing local flood zone maps and property needs. The agent works to identify appropriate protection levels for each client’s specific risk. The company serves a range of properties, including single-family homes, apartments, retail locations, and restaurants.
Farm Bureau Insurance in Hendersonville, Tennessee, offers both one-time flood insurance policies for individual properties and recurring coverage options for ongoing protection needs. Their service addresses the specific risks of flood damage common to this region, providing policies that cover structural and contents losses according to standard terms. Consultations explain policy details, claim processes, and required documentation to ensure clarity. This flood insurance agent operates primarily on an as-needed basis, with clients scheduling appointments when initiating or reviewing their coverage.
Chris Florek Insurance Agency serves homeowners, businesses, and property managers in Hendersonville, Tennessee who need flood insurance to protect their assets from water damage. As a dedicated flood insurance agent, the company helps clients navigate the complexities of federal and private flood policies, ensuring appropriate coverage for their specific properties and risk levels. This includes assistance with flood zone determinations and policy options tailored to the area’s needs. The agency also extends its services to nearby Gallatin and the greater Sumner County metro.
Melissa French: Allstate Insurance serves Hendersonville, Tennessee, and the surrounding communities of Sumner County. It handles everything from flood insurance policies to risk assessments for local homeowners. The agency helps clients understand federal flood map designations and their coverage options. For a typical job, it reviews the property’s location and flood zone data to calculate an appropriate coverage limit for the structure and its contents.
For homeowners seeking either a single flood policy or ongoing property protection, this agency offers layered coverage options tailored to local flood zone risks in Hendersonville, TN. Martinek Insurance Services a division of Southern Insurance Group LLC addresses both National Flood Insurance Program policies and excess flood insurance for high-value structures. Assistance with elevation certificates and claims navigation is available. Service appointments run on an as-needed basis depending on property location, coverage date, and lender requirements.
P&C Insurance provides specialized flood insurance services for properties in Hendersonville, TN, focusing on policies for homes and businesses. The agency handles applications, coverage assessments, and claims guidance to help property owners manage flood risk. It assists with National Flood Insurance Program policies and private market options. As seasonal storms and rising waters threaten the area, the company helps clients secure protection before heavy spring rains arrive.
Williamson Insurance & Investments LLC in Hendersonville, TN provides property risk management services, with a specialty focus on securing policies for flood-related exposures. Clients work directly with an agent to assess potential water damage threats and tailor coverage to individual property needs. The firm structures protection plans suited for regional weather patterns affecting local structures. Its commercial clientele includes offices, warehouses, and food service establishments requiring comprehensive protection solutions for their unique operational risks.
Spring storms in Hendersonville can bring flash flooding to low-lying streets and creeks in minutes, catching many homeowners off guard. Hicks Watson Insurance Agency works with local policyholders to understand their specific flood exposure and coverage needs. They assess each property’s proximity to waterways and drainage patterns before recommending a suitable flood insurance plan. After reviewing a home or business, they provide a clear, step-by-step overview of what a standard policy does and does not cover. The process typically begins with a no-obligation property inspection and consultation.
What Does a a Flood Insurance Agent in Hendersonville Cost?
Flood insurance costs in Tennessee depend on your property's flood zone elevation and coverage amount. NFIP rates for a standard home range from about 700 to 1,500 per year for low-risk zones and can exceed 3,000 per year in high-risk areas. Private policies may offer lower rates for low-risk properties. This is general information and not insurance advice.
About flood insurance agents in Hendersonville
Flood insurance agents in Hendersonville Tennessee help property owners secure coverage through the National Flood Insurance Program and private carriers. Tennessee law does not mandate flood insurance but lenders often require it for properties in Special Flood Hazard Areas. Hendersonville sits near Old Hickory Lake so flood risk varies by neighborhood and elevation.
Frequently Asked Questions
Do I need flood insurance in Hendersonville Tennessee?
Flood insurance is not required by Tennessee state law. However if your property is in a FEMA-designated flood zone and you have a federally backed mortgage your lender will require it. Even outside high-risk zones flooding can occur from heavy rain or lake overflow.
What does a flood insurance agent in Hendersonville do?
A flood insurance agent helps you assess your flood risk review FEMA flood maps for your property and compare NFIP and private flood insurance options. They also assist with completing the Elevation Certificate and filing claims after a flood event.
How long does it take to get flood insurance in Tennessee?
NFIP policies typically have a 30-day waiting period before coverage begins. Private flood insurance may offer shorter waiting periods. You should buy coverage well before any storm threat to ensure you are protected.
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