Inland Marine insurance · Tennessee

Inland Marine Insurance Agencies in Memphis, TN

Covers goods, tools and equipment while in transit or away from your premises.

Local insight

Inland Marine insurance in Memphis: what to know

Memphis has 618,980 residents in 253,120 households. We list 6 agencies for inland marine insurance in Memphis. Here is what the local numbers say about the cover people here need.

Memphis at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Shelby County

FEMA rates the overall natural hazard risk in Shelby County, where most Memphis agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

  • TornadoVery High

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in Memphis
  • EarthquakeRelatively High

    Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.

    Earthquake insurance
  • Inland floodingRelatively High

    Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

    Flood insurance
  • LightningRelatively High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Memphis
  • Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Tennessee

Tennessee requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in MemphisHow much liability cover do you need?

Source: tn.gov. Checked 2026-10-24.

Where Memphis agencies are

Memphis agencies we list sit in 3 ZIP codes, mostly in Shelby County.

  • 381174 agencies
  • 381191 agency
  • 381201 agency

Questions

Inland Marine insurance in Memphis

All insurance agencies in Memphis · Inland Marine insurance across Tennessee

Where can I find inland marine insurance in Memphis?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does inland marine insurance cover?

Covers goods, tools and equipment while in transit or away from your premises.

Do I need flood insurance in Memphis?

FEMA's National Risk Index rates inland flooding risk in Shelby County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Inland Marine insurance near Memphis

For insurance agencies

Is your Memphis agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing