Renters Insurance at Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis!
What Affects Your Premium Here
Every building is different. These factors specific to Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis! can push your insurance cost up or down:
Older Building
Built in 1975 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 5152/100K (226% above national average)
What You'll Likely Pay
$15
Est. Monthly
$175
Est. Annual
$13
State Avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis! based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Tennessee
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis!:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $7/mo | $87/yr |
| USAA | $8/mo | $98/yr |
| State Farm | $11/mo | $130/yr |
| Progressive | $12/mo | $141/yr |
| Safeco | $12/mo | $141/yr |
| Travelers | $13/mo | $152/yr |
| Allstate | $14/mo | $163/yr |
| Nationwide | $14/mo | $163/yr |
| Farmers | $14/mo | $174/yr |
| Liberty Mutual | $16/mo | $195/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/mo
4 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Memphis.
Memphis property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis! also has on-site security features (On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Memphis (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
On-Site Security
Natural Hazards & Your Renters Coverage
The USGS National Seismic Hazard Model rates the ground beneath Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis! as high-hazard for shaking — significant enough that a separate earthquake endorsement is worth pricing alongside a standard renters policy. Flood risk at the address is low, and severe-weather damage of the wind/hail variety would be covered by a baseline policy. The earthquake-specific picture is below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Earthquake shaking
At this hazard level, the question isn't whether a damaging earthquake is possible — it's how to handle the fact that a standard renters policy excludes the damage if one happens. Earthquake endorsements priced for renters typically run $50–$150 annually and cover personal property only (no structural coverage; that's already the landlord's responsibility).
High seismic hazard · ground motion 0.51g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 19 severe-weather events a year in Shelby County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Shelby County. Counts reflect reported events, not damage amounts.
The standard renters policy is the right starting point. The gap above is closable with a single endorsement; pricing it as part of a bundled quote is the usual move.
4907 Autumn Leaf Dr, Memphis, TN 38116
South Memphis
Monthly Cost Breakdown at Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis!
The listed rent isn't the whole number. Here's what Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis! actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis!. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
About Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis!
From the property listing:
Stop renting an apartment and start living in a townhome! Welcome to Wilson Crossing, where you get the space and privacy of a two-story home with the ease of professional management. Located in the vibrant Whitehaven neighborhood (38116), you're minutes from FedEx World Hub, Memphis International Airport, and Graceland. Our renovated 2 & 3 bedroom townhomes (up to 1,400 sq. ft.) are designed for comfort and convenience. HOME AMENITIES INCLUDE: -Two-Story Floorplans (Feels like a house!) -Full-size Washer & Dryer INCLUDED -Modern Kitchen with Gas Range Stove
Frequently Asked Questions
Does Wilson Crossing Townhomes: Your Spacious, Two-Story Home in Whitehaven, Memphis! require renters insurance?
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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