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Compare Umbrella Insurance Agents in Germantown, TN
Directory of umbrella insurance agents in Germantown, Tennessee. Verify credentials with the state department of insurance before hiring.
15 agents listed
Updated May 2026
Germantown, TN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Tennessee before hiring.
Showing 15 umbrella insurance agents in Germantown, TN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Frank Simmons - State Farm Insurance Agent
7730 Wolf River Blvd Suite 109, Germantown, TN 38138
(901) 755-7190
franksimmons.net
Caleb Hollingsworth - State Farm Insurance Agent
3059 Forest Hill Irene Rd #103, Germantown, TN 38138
(901) 755-3100
insuremidsouth.com
Thompson Insurance Agency
2298 S Germantown Rd # 1, Germantown, TN 38138
(901) 402-0779
thompinsurance.com
Shoemaker Insurance Solutions
2176 West St Suite 202, Germantown, TN 38138
(901) 757-5757
shoemakerins.com
Shelter Insurance - Lauren Hahs-gilchrist, Lutcf
1926 Exeter Rd, Germantown, TN 38138
(901) 377-7270
shelterinsurance.com
Farm Bureau Insurance
9155 Poplar Ave suite 13, Germantown, TN 38138
(901) 538-7200
fbitn.com
McDonald Insurance and Financial Services
9947 Wolf River Blvd #110, Germantown, TN 38139
(901) 854-5054
Shoemaker Financial
2176 West St #110, Germantown, TN 38139
(901) 757-5757
shoemakerfinancial.com
Linder Insurance Agency LLC
7716 Poplar Pike, Germantown, TN 38138
(901) 754-9339
linderinsurance.com
Kevin Bentley Insurance
1914 Exeter Rd Ste 1, Germantown, TN 38138
(901) 755-7002
kevinbentleyinsurance.com
The Glass Group
9053 Stone Walk Pl, Germantown, TN 38138
(901) 843-1190
glassinsurancegroup.com
Reliable Co Insurance TN
6815 Poplar Ave, Germantown, TN 38138
(615) 813-7034
Collierville Insurance Agency
3454 S Houston Levee Rd, Germantown, TN 38139
(901) 853-7800
insuranceoftn.com
Brightway Insurance, The Andersen Agency
2129 West St #214, Germantown, TN 38138
(901) 878-3244
brightway.com
Brisa Insurance Services
2022 Exeter Rd, Germantown, TN 38138
(901) 755-2220
germantowninsurance.com
An umbrella insurance agent in Germantown, Tennessee can help you secure additional liability coverage beyond your standard auto or home policy. Tennessee law allows for high liability judgments in personal injury cases, making extra protection valuable for local homeowners and drivers. Working with an agent ensures your policy aligns with Tennessee insurance regulations and your specific risk profile.
What Does a Umbrella Insurance Agent in Germantown Cost?
Typical costs for a 1 million dollar umbrella policy in Tennessee range from 150 to 300 dollars per year, with higher limits costing proportionally more. Factors like your driving record, number of properties, and number of vehicles affect the premium. Costs vary by situation, and this is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Germantown do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides coverage above your existing auto and homeowners insurance limits. They assess your assets and risk exposure to recommend appropriate coverage amounts. In Tennessee, agents must be licensed by the state Department of Commerce and Insurance.
How much umbrella coverage do I need in Germantown Tennessee?
Most agents recommend at least 1 million dollars in umbrella coverage, with higher limits for those with significant assets or high-risk activities. Tennessee courts can award substantial damages in liability cases, so your agent will evaluate your net worth and potential exposure. A common starting point is coverage equal to your total assets.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Tennessee.