Independent Insurance Agency Serving Memphis, TN

Yes. Tennessee law requires carriers to include uninsured motorist (UM) coverage in every auto policy. However, drivers may reject this coverage in writing under T.C.A. Section 56-7-1201. Approximately 20 percent of Tennessee drivers are uninsured statewide, and Shelby County carries one of the highest uninsured and underinsured motorist rates in Tennessee. Rejecting UM coverage carries significant financial risk. We explain the trade-offs during every quote.

Memphis homeowners insurance costs vary by home age, construction type, roof condition, coverage limits, and carrier. The metro's position on the New Madrid Seismic Zone and its Mississippi River flood exposure both affect rates and coverage decisions, particularly for older homes. As an independent broker we compare 30 plus carriers to find the most competitive rate for your specific property and location in Shelby County.

Memphis sits directly on the New Madrid Seismic Zone, one of the most significant earthquake fault systems in the central United States. Standard homeowners and business insurance policies do not automatically include earthquake coverage. It is typically added as a separate endorsement or standalone policy. We review earthquake coverage options with every Memphis homeowner given the metro's proximity to this fault system.

Tennessee is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and medical expenses through their liability coverage. Unlike no-fault states, Tennessee drivers can sue the at-fault party for damages. This makes adequate liability limits especially important, particularly given Shelby County's elevated uninsured and underinsured motorist rate.

Most Memphis small businesses need at minimum a General Liability policy. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. Tennessee requires workers compensation for most employers with five or more employees (T.C.A. Section 50-6-405). Service businesses should also consider Professional Liability. We identify the right combination for your industry.

Yes. Renters insurance covers your personal belongings against theft, fire, flood-related water damage, and other covered perils, provides liability protection if someone is injured in your rental, and includes loss-of-use coverage if your unit becomes uninhabitable. The building structure is your landlord's responsibility. Ask about flood exclusions if you rent in a Mississippi River-adjacent neighborhood such as Midtown, East Memphis, Whitehaven, or Frayser.

Yes. Dragon Insurance is licensed in Tennessee and serves clients throughout the Memphis metro including Cordova, East Memphis, Whitehaven, Frayser, Raleigh, Germantown, and Bartlett. We handle all quotes by phone and online, with no office visit required. Call 717-229-5115 or request a quote online to get started.