What we cover in Memphis
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Memphis choose a local agent
When you're in Memphis, Shelby County, you get a real person who knows TN — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 69+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Memphis: the local picture
Memphis homeowners face an unusual combination of three hazards: Dixie Alley tornadoes (often nighttime or rain-wrapped), Mississippi River and flash-flood exposure, and the New Madrid Seismic Zone. Standard homeowners policies exclude both flood and earthquake, so separate NFIP (or private) flood coverage and an earthquake endorsement or stand-alone earthquake policy are essential — and earthquake coverage is widely under-purchased (fewer than 3% of regional homeowners carry it). With roughly 46% of Memphis homes owner-occupied and a majority renter-occupied, there is strong demand for renters and landlord/dwelling-fire coverage. As a FedEx-driven logistics hub, the metro also has heavy demand for commercial trucking, cargo/inland-marine, fleet, and workers-compensation coverage.
Population: Memphis city ~633,104 (2020 census); Shelby County ~910,530 (2020 (city) / 2024 est. (county))
- Shelby County (home of Memphis) had an estimated population of about 910,530 in 2024 and recorded the largest single-year population decline of any county in the United States between 2023 and 2024. — Population decline and a large renter base shape demand toward renters, landlord/dwelling, and rental-property coverage rather than new-construction homeowner growth.
- Memphis city had a population of 633,104 at the 2020 U.S. Census. — Baseline household count for personal lines (home, renters, auto) demand in the city proper.
- FedEx is the Memphis region's largest private employer with over 30,000 local employees, operating its global SuperHub at Memphis International Airport, one of the world's busiest cargo airports; Memphis is also HQ to Fortune 500 firms AutoZone and International Paper. — A logistics/distribution economy drives heavy commercial trucking, cargo/inland-marine, fleet, and workers-compensation insurance needs.
- Memphis sits directly atop the New Madrid Seismic Zone, with a USGS-estimated 25-40% chance of a magnitude-6 quake in the next 50 years, yet fewer than 3% of regional homeowners carry earthquake coverage because standard homeowners policies exclude earthquake damage. — Creates a large, under-purchased coverage gap — a separate earthquake endorsement or stand-alone earthquake policy is needed.
- Memphis lies in 'Dixie Alley'; the March 13-16, 2025 tornado outbreak was the largest on record for March, and the associated storm system killed at least 40 people across the central/southern U.S., with the region prone to nocturnal and rain-wrapped tornadoes. — Frequent, often nighttime tornadoes and wind/hail events make robust wind/hail roof coverage and adequate dwelling limits important for homeowners.
- Memphis faces Mississippi River and flash-flood exposure; in early April 2025 the city set a record for April rainfall (over 10 inches across the multi-day event), causing flash flooding, downed trees, and power outages. — Flood is excluded from standard homeowners policies, so NFIP or private flood insurance is essential for riverine and flash-flood prone properties.
- In Memphis, about 46% of housing units are owner-occupied (44.9% per the 2024 ACS) and roughly 54% are renter-occupied, with a median home value well below the national median. — A majority-renter housing stock means strong demand for renters insurance and for landlord/dwelling-fire policies on rental properties.
Local figures compiled from public sources including tnsdc.utk.edu, en.wikipedia.org, census.gov, wearememphis.com, content.naic.org, tennesseelookout.com. Estimates — verify current details with the original sources.
Insurance requirements in Tennessee
Tennessee is an at-fault state requiring liability coverage for every driver. Parts of Tennessee face severe storms and flooding, so it's worth reviewing whether flood and adequate wind coverage fit your situation. We compare Tennessee-admitted carriers to match the state's requirements to the coverage you actually need. Verify current state minimums with the Tennessee Department of Commerce & Insurance.
Memphis, TN insurance — common questions
How much does insurance cost in Memphis, TN?
Rates in Memphis and Shelby County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 69+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Memphis?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Memphis and all of TN — home, auto, farm, business, life, and more.
Can I get a quote in Memphis today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.