The top-rated flood insurance agent in Knoxville, Tennessee is 21st Insurance Agency, rated 4.9 stars across 3,512 reviews. Other highly rated options include Knoxville Insurance Group, William Knight Insurance Agency, Sparks Insurance. This directory lists 33 flood insurance agents serving Knoxville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | 21st Insurance Agency | 620 Market St | (866) 727-4712 |
| 2 | Knoxville Insurance Group | 220 S Peters Rd #103 | (865) 694-9788 |
| 3 | William Knight Insurance Agency | 1717 Winston Rd | (865) 670-2990 |
| 4 | Sparks Insurance | 10101 Sherrill Blvd | (865) 687-1855 |
| 5 | Laura Ash - State Farm Insurance Agent | 12744 Kingston Pike #106 | (865) 675-0888 |
| 6 | Mansour Hasan - State Farm Insurance Agent | 10811 Kingston Pike | (865) 690-7100 |
| 7 | Meridian Insurance, Inc. | 6025 Brookvale Ln NW Suite 208 | (937) 567-8900 |
| 8 | Applegate Insurance Agency | 301 S Gallaher View Rd # 229 | (865) 240-2348 |
| 9 | Shafer Insurance Agency | 1100 Marion St #200 | (865) 546-0761 |
| 10 | Bolton Insurance | 200 Fox Rd | (865) 690-5000 |
21st Insurance Agency serves the Knoxville, Tennessee metro area as a flood insurance agent, helping homeowners and business owners protect their properties from water damage risks. As a specialist in this field, the agency guides clients through the complexities of flood coverage options available in the region. It handles the paperwork and policy selection for both standard flood insurance policies and excess flood insurance for higher-risk properties in local flood zones.
Knoxville Insurance Group offers comprehensive flood insurance solutions for properties in the Knoxville area, including policy consultations, risk assessments, and claim assistance. It provides service plans that ensure clients understand their coverage options and receive timely updates on policy renewals and changes in flood zone designations. Regular maintenance of insurance records is managed to keep policies current. The company serves a diverse range of properties, including single-family homes, apartments, retail spaces, and restaurants.
Serving Knoxville, Tennessee, William Knight Insurance Agency assists property owners in understanding the fundamental difference between a standard homeowner's policy, which typically excludes flood damage, and a separate flood insurance policy. Coverage focuses on protecting buildings and their contents from rising water, a risk not addressed by regular hazard insurance. This specialization ensures clients have correct protection against local weather events. Service at this agency is offered as a one-time consultation for policy selection and an as-needed basis for claims assistance or policy updates.
As a flood insurance agent based in Knoxville, TN, Sparks Insurance specializes in helping property owners secure National Flood Insurance Program policies and private flood coverage for both residential and commercial structures. It works closely with clients to assess their unique flood zone designations, property elevations, and specific insurance needs throughout the Knoxville area. The agency particularly assists homeowners and businesses during the spring thaw and heavy rainfall seasons, when local river and creek flooding risks become a serious concern.
Spring storms and sudden creek rises in the Knoxville area create a consistent demand for flood protection. Laura Ash - State Farm Insurance Agent provides assistance with selecting appropriate flood policies for both residential and commercial properties. Her agency helps clients understand coverage limits and waiting periods before floodwaters arrive. After discussing community flood zones and individual property vulnerabilities, they schedule a thorough property inspection to assess specific flood risks and determine accurate coverage needs for the home or business.
Mansour Hasan - State Farm Insurance Agent in Knoxville, TN provides comprehensive property and casualty coverage, specializing in flood insurance policies tailored to local flood zone risks. With regional weather patterns and changing regulations, clients receive guidance on securing protection against water damage from storms or rising waterways. The agency serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
Meridian Insurance, Inc., based in Knoxville, TN, is known for helping property owners secure flood coverage that protects against rising waters and storm surge. The agency serves homeowners and businesses across the Knoxville area by explaining flood zone risks and policy options. Clients can obtain both federally backed NFIP plans and private market alternatives without leaving the city. The company also provides add-on service for coordinating elevation certificate documentation at 55.
Applegate Insurance Agency in Knoxville, Tennessee distinguishes between a one-time flood insurance policy for a single property purchase and recurring annual policies that renew with updated flood zone maps. Their coverage typically addresses structural damage from rising water and may include contents coverage for personal belongings within the home. This flood insurance agent provides service on a recurring scheduled basis, aligning annual policy renewals with local flood risk evaluations.
Serving Knoxville and the surrounding communities of greater East Tennessee, Shafer Insurance Agency handles flood insurance policies for residential and commercial properties. As a local flood insurance agent, it helps clients understand National Flood Insurance Program requirements and secure coverage for flood-prone areas. The agency works to evaluate individual flood risks and property elevations to recommend appropriate policy limits. When handling a typical job, it conducts a thorough review of the property location and flood zone to match each client with the specific coverage their situation requires.
Bolton Insurance specializes in flood insurance policies, providing coverage to property owners in Knoxville, Tennessee. It assesses risks related to local waterways and seasonal rainfall, helping clients secure financial protection for homes and businesses. As a flood insurance agent, it assists with claims support and policy selection tailored to regional needs. The agency particularly helps residents prepare for the spring thaw and heavy summer storms that often increase flooding concerns throughout East Tennessee.
What Does a a Flood Insurance Agent in Knoxville Cost?
The cost of flood insurance in Tennessee varies by property location, flood zone, elevation, 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 zone. High-risk areas may see premiums above 3,000 dollars. Private flood insurance may offer different rates. This is general information and not insurance advice.
About flood insurance agents in Knoxville
Flood insurance agents in Knoxville Tennessee help property owners understand their flood risk and secure coverage through the National Flood Insurance Program or private carriers. Tennessee law requires agents to be licensed by the state and to follow NFIP guidelines for flood zone determinations. Knoxville residents near the Tennessee River or its tributaries may face higher flood risks and should review their policy options annually.
Frequently Asked Questions
Do I need flood insurance in Knoxville Tennessee?
Flood insurance is not required by Tennessee state law but may be required by your mortgage lender if your property is in a high-risk flood zone. Even in moderate-risk areas, flooding can occur from heavy rains or overflowing creeks.
How do I find a flood insurance agent in Knoxville?
You can search the Tennessee Department of Commerce and Insurance website for licensed agents who sell flood insurance. Many local independent agents in Knoxville offer NFIP policies and can help you compare private options.
What does a flood insurance agent do for me?
A flood insurance agent helps you assess your flood risk, choose the right coverage amount, and complete the required elevation certificate if needed. They also guide you through the application process and explain policy limits and exclusions.
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