INDEPENDENT INSURANCE · GERMANTOWN, TN · EST. 1992 · 33 YEARS LOCAL
Your Agency
For Life.
Independent insurance advisors protecting families across Shelby County, TN and DeSoto County, MS — including Germantown, Collierville, Bartlett, Cordova, Southaven, Olive Branch, Horn Lake, and Hernando — since 1992.
10+ Top-Rated Carriers. One Trusted Advisor.
As an independent agency, we're not locked into one company. We shop every carrier to find the right fit for your home, auto, and life.
Complete Protection.
One Trusted Agency.
From your driveway to your dining room, we build a coverage portfolio that moves with you through every stage of life.
Home
Protecting your most valuable asset with comprehensive coverage — dwelling, personal property, liability, and loss of use — matched to what your home is truly worth replacing.
Auto
Full personal and commercial auto coverage tailored to your vehicles, your driving habits, and the carriers who reward your profile — not a one-size-fits-all rate.
Umbrella
An extra layer of liability protection above your home and auto policies — because one judgment can change everything, and the right amount of coverage is always more than the minimum.
Flood
Standard homeowners policies don't cover flood damage — not a single dollar. We help you secure NFIP and private flood coverage before the rainy season, not after it's too late.
Earthquake
The New Madrid Seismic Zone is one of the most active fault systems in North America. Standard homeowners policies exclude earthquake damage entirely — a separate policy closes that gap.
Recreational Vehicles
Boats, RVs, ATVs, motorcycles, and watercraft — we find the right seasonal or year-round policies for the way you and your family play.
Renters
Your landlord's policy covers the building — not your belongings. Renters insurance protects your personal property, covers liability, and costs less than a streaming subscription.
Landlord
Own rental property? We provide landlord policies designed for owners who lease — covering structure, lost rental income, and liability when tenants are involved.
Jewelry
Scheduled coverage for jewelry, fine art, watches, and valuables that exceed standard homeowners limits — full replacement value with no deductible on most items.
Independent vs. Captive.
Here's What It Means For You.
| ✦ Thompson Insurance Independent Agency | Captive Agent | Online Direct | |
|---|---|---|---|
| Carrier Options | ✓ 10+ carriers | 1 carrier | 1 carrier |
| Who They Work For | ✓ You | The carrier | The carrier |
| Price Shopping | ✓ Yes — every renewal | ✗ No | ✗ No |
| Claims Advocacy | ✓ We go to bat for you | Limited | On your own |
| Local Knowledge | ✓ 34 years Mid-South | Varies | None |
| Coverage Customization | ✓ Full portfolio review | One-size-fits-all | Minimal |
| After-Hours Support | ✓ 24/7 Support | Varies | 800 number |
We Work For You.
Not The Carriers.
Independent Means Unbiased
We're not captive to one company. We access 10+ top-rated carriers and shop the entire market to find you the right combination of coverage, price, and service — every time. No quotas. No favorites. Just the best fit for your life.
Advisors, Not Order-Takers
We review your complete picture — home, auto, umbrella, business, and life — not just the policy in front of us. We ask the questions most agents skip, catch the gaps they miss, and build a portfolio that actually protects what you've worked to build.
Agency For Life
We're not a one-transaction agency. We're here at renewal, during a claim, when you buy a new home, when your teenager gets a license, and every call in between. Our relationship with you starts at policy one — and doesn't end.
"Being a Thompson client has its privileges."Thompson Insurance Agency · Germantown, TN · Est. 1992
Agency For Life Isn't A Tagline.
It's A Promise.
We're there when your teenager gets their license and needs to be added to the policy. When you buy a second home or a rental property. When you call at midnight after an accident and don't know what to do. When you file a claim and need someone who knows your coverage inside and out — not an 800 number. When your renewal comes and we review everything, not just the price. That's what Agency For Life means. We start at policy one and we don't stop.
"Being a Thompson client has its privileges."
What Our Clients Say.
We earn our reputation one relationship at a time.
Something Happened.
Here's Exactly What To Do.
We stay with you through every step of the claims process. Annie is available 24/7. Call (901) 402-0779 or chat with Annie now.
Stay Safe
Move vehicles out of traffic if possible. Check for injuries. Call 911 if needed.
Document Everything
Photograph all vehicles, the scene, road conditions, and any visible injuries. Do this before moving vehicles.
Exchange Information
Get the other driver's name, insurance company, policy number, license plate, and contact information.
Do Not Admit Fault
Even a casual apology can be used against you. Let the insurers determine liability.
Contact Us
Reach 24/7 support. We'll tell you exactly how to file based on your carrier and situation.
File the Claim
We'll help you contact your carrier or file on your behalf. Most carriers have 24/7 claims lines.
Claims Adjuster
Your carrier will assign an adjuster who will assess the damage, typically within 24–72 hours.
Resolution
Once the adjuster's report is complete, your carrier will issue payment or authorize repairs. We stay available throughout.
Ensure Safety
If there is structural damage, gas leaks, or electrical hazards, evacuate and call 911.
Prevent Further Damage
Cover broken windows, roof openings, or damaged areas with tarps or boards. Keep all receipts — these costs are typically reimbursable.
Document Before Touching Anything
Take extensive photos and video of all damage before any cleanup or repairs.
Contact Us First
Chat with Annie 24/7. We'll advise on how to proceed based on your specific policy and carrier.
File the Claim
We'll contact your carrier and open the claim. Most carriers will acknowledge within 24 hours.
Adjuster Visit
A claims adjuster will inspect the damage and prepare an estimate. You have the right to get your own estimate as well.
Contractor Selection
Do not sign a contract or Assignment of Benefits with any contractor before speaking with us. We help protect you from contractor fraud.
Resolution & Payment
Once the estimate is agreed upon, your carrier issues payment minus your deductible. We stay involved until you're satisfied.
Find Your Flood Risk.
Get A Quote Instantly.
DeSoto County and Shelby County have more flood risk than most homeowners realize. Over 40% of NFIP flood claims come from properties outside high-hazard zones. Check your address — then get a real quote in minutes.
Standard Policies Don't Cover Flood
Not a single dollar of flood damage is covered under a standard homeowners policy — regardless of cause.
40% of Claims Outside Flood Zones
Most people who flood don't think they're at risk until it happens. Zone X is not the same as zero risk.
Private Flood Is Often Cheaper
We quote both NFIP and private flood insurance and show you the best option for your property.
Enter your address to see your official FEMA flood zone and risk rating.
Check Your Official FEMA Flood Map →Meet The Team.
Real advisors, real relationships. We're not a call center — we're your neighbors.
Jason Thompson
Owner & AdvisorWith over 30 years of experience in the Mid-South insurance market, Jason has built Thompson Insurance on the belief that every client deserves a trusted advisor — not just a policy number.
Daniel May
Sales ProducerDaniel specializes in personal lines and helps new clients navigate their coverage options with clarity, patience, and a thorough review of their full protection picture.
Necole Caldera
Client ExperienceNecole is the heart of our client relationships — handling renewals, billing, certificates, and the day-to-day needs of every client with warmth and efficiency.
Shannon Maxey
Marketing & TechnologyShannon leads our digital presence and technology strategy — including the systems that keep Thompson Insurance available, accessible, and modern for every client we serve.
We Never Miss
Your Call.
Annie, our AI-powered phone and chat agent, answers every call, every message, 24 hours a day — so you're never sent to voicemail when something matters. Whether it's a policy question at 11 PM or a claim the moment an accident happens, Annie is there first.
Everything You Need. Always On.
The Glovebox app gives you 24/7 access to your policies, ID cards, claims, and more — right from your phone.
Access Your ID Cards
Digital insurance ID cards available instantly. No more searching for paper cards during a traffic stop.
View Your Policies
See all your active policies in one place. Know exactly what you're covered for before something happens.
File a Claim
Start the claims process directly from the app. We're notified instantly and follow up same day.
Contact Your Team
Reach Jason, Daniel, or Necole directly. Or reach 24/7 support for after-hours help.
New client? Download Glovebox from the App Store or Google Play and search Thompson Insurance Agency.
Let's Talk
Protection.
Germantown, TN 38138
Support available 24/7