Why Your College Student Needs Renters Insurance

Posted on November 28, 2025November 17, 2025 by admin

If you live in the Collierville, TN, area and have a college student, there are ways to improve their college experience. They can live in a safe area. They can select a location that is close to campus. And they can get renters insurance from Brock and Poole Insurance Agency.

What Does Renters Insurance Cover, and Why Is It Essential for College Students?

Renters insurance generally protects a student’s personal property from damage and loss due to various circumstances. These typically include theft and fire.

Renters insurance often covers furniture, clothing, housewares, bedding, and some personal electronic devices.

However, there is more to renters insurance than you might think. It also covers your student’s personal items while they’re traveling. Your student also has protection from liability if someone gets injured or their personal property is damaged in your student’s apartment.

Renters often benefit from affordable rates and even discounts when bundling with car insurance. One of the most overlooked benefits of renters insurance is the peace of mind it can give you and your student.

Limitations of Renters Insurance

It is worthwhile to note that renters insurance protects the personal property of only the insured. It does not cover the personal property of any roommates. If your student has roommates, each should secure their own renters insurance.

At Brock and Poole Insurance Agency, we’re proud to serve families throughout the Collierville, TN, area. If you have a student attending or planning to attend college, consider how they may benefit from renters insurance. Contact us for a quote.

Winter Weather Accidents and Liability: How Collierville Families Benefit from Umbrella Insurance

Posted on October 31, 2025October 14, 2025 by admin

Winter accidents don’t just dent bumpers or bruise elbows. In Collierville, TN, they often turn into lawsuits, medical bills, missed work claims, and liability costs that quickly exceed your coverage limits.

This is where umbrella insurance proves its value, not with fanfare, but with quiet, powerful protection that steps in when everything else runs out.

When Primary Coverage Falls Short

Your homeowners insurance has a liability cap, and so does your auto policy. But what happens if a guest falls on your icy porch and requires surgery? Or if a winter wreck leads to a multi-car claim with injuries and lost wages? Those caps can be exceeded quickly.

Once your coverage limit is reached, the remaining costs are your responsibility. That includes your savings, assets, and even future income. Umbrella insurance catches those overflow expenses and prevents them from dragging your finances down.

Brock and Poole Insurance Agency works with Collierville families to find umbrella coverage that steps in when things get really expensive, not just inconvenient.

It Only Takes One Storm

You salt the walkway. You drive carefully. You do everything right. But it doesn’t matter. One unpredictable freeze, one sheet of black ice, or one guest arriving early while the sidewalk is still hazardous can change everything.

Suddenly, you’re legally responsible for damages that exceed your policy limits.

Umbrella insurance provides an extra layer of liability protection. Think of it as one million dollars or more, quietly waiting in the background to absorb the worst-case scenario.

Protection That Follows You Everywhere

The beauty of umbrella insurance is that it moves with you. Whether you’re at home, on the road, on vacation, in a rental car, or on a ski trip, it provides coverage. If you’re held liable, it steps in, no matter where the accident occurred.

One icy step. One winter crash. One unexpected claim. Call Brock and Poole Insurance Agency in Collierville, TN today to learn how umbrella insurance can protect your entire financial picture.

Why Sufficient Medical Insurance is an Important Part of Your Motorcycle Policy

Posted on September 30, 2025September 11, 2025 by admin

When you buy motorcycle insurance in Collierville, TN, you might not immediately think about its medical insurance provisions. Most people focus on liability coverage and protecting their bikes in case of a collision. However, having adequate medical payments coverage is essential if you sustain an injury in an accident. Brock and Poole Insurance Agency can help ensure you have the coverage you need.

The Risks Faced by Motorcycle Riders

Unlike drivers and passengers in cars and trucks, who are shielded by metal frames, motorcycle riders are exposed to the elements and other vehicles. They lack the protective barriers that can reduce the severity of injuries in larger vehicles. Additionally, motorcycles ride lower to the ground, increasing the risk to the rider’s body. These factors often lead to injuries that are far more severe than those experienced by occupants of cars or trucks. For example, motorcyclists frequently suffer leg injuries that require multiple surgeries and extensive physical therapy.

How MedPay Can Bridge Insurance Gaps

While you may assume your health insurance will cover injuries from an accident, this is not always the case, especially if the injuries are catastrophic. Health insurance may cover some medical expenses, but you could still be responsible for significant out-of-pocket costs. Motorcycle medical coverage can help cover these expenses. Additionally, the liability portion of your motorcycle insurance policy only covers injuries to others if you are at fault in an accident. Medical payments coverage, on the other hand, will cover injuries you sustain, as well as those of any passengers riding with you at the time of the accident.

Brock and Poole Insurance Agency can assist you in creating a motorcycle insurance policy that provides comprehensive medical coverage and meets your other needs. Contact our office in Collierville, TN, to schedule an appointment today.

Renters insurance for students

Posted on August 29, 2025August 11, 2025 by admin

Brock and Poole Insurance Agency is proud to serve the Collierville, TN, area with a full range of insurance services designed to protect you, your family, and your future. We can even help secure your college student while they’re away at school with affordable renters insurance.

Here’s what you need to know about renters insurance for students.

The Landlord’s Insurance Won’t Cover Your Student’s Belongings

It’s a common misconception that a renter is covered under the landlord’s insurance policy. However, this is not the case. Landlord insurance typically only covers the property owner’s interests, leaving your student’s possessions unprotected.

Your Student May Be Required to Carry Renters Insurance

More landlords and property management companies are requiring tenants to carry a minimum amount of renters insurance. While this is becoming more common, tenants still have the freedom to choose their insurance provider.

What Renters Insurance Covers

Renters insurance is designed to protect the tenant’s possessions from losses due to theft or damage. Many policies also include liability coverage, which offers financial protection if a visitor is injured while on the property. Additionally, some policies may cover possessions while the student is traveling.

Protecting Personal Belongings

Renters insurance typically covers items such as clothing, bedding, furniture, housewares, and electronics. However, some personal digital devices may be excluded. It’s important to review the policy details to understand what is and isn’t covered.

Additional Considerations

Renters insurance generally covers the tenant’s personal possessions listed on the policy. If your student has roommates, each roommate should have their own renters insurance policy to ensure their belongings are protected.

The Good News

The good news is that renters insurance for students is typically very affordable and easy to obtain. If you’re in the Collierville, TN, area, contact Brock and Poole Insurance Agency for a quote. We’re here to help protect your student while they’re away at school.

Why High Net Worth Individuals Need Umbrella Insurance

Posted on July 31, 2025July 9, 2025 by admin

Umbrella insurance in Collierville, TN provides an extra layer of protection for your assets when your other coverage falls short. It offers additional liability insurance in conjunction with home or auto insurance and can also provide personal liability coverage for high-net-worth individuals. Here are several reasons why you should consider an umbrella insurance policy.

You’re a Target

In today’s world, high-net-worth individuals often face increased scrutiny and are more likely to be targeted with lawsuits. Many people believe that the wealthy have excess money, making them prime targets for legal action. Your financial status can put a target on your back, but umbrella insurance—offered through a company like Brock and Poole Insurance Agency—can help protect your assets from costly lawsuits.

To Save Money

While umbrella insurance requires monthly premiums, it can save you significant money in the long run. These policies often cover legal defense costs if you’re involved in a lawsuit, potentially saving you thousands of dollars. Additionally, umbrella insurance can help pay settlements if the verdict isn’t in your favor, reducing the financial burden.

Asset Protection

High-net-worth individuals have more to lose than others, making asset protection a critical need. Without umbrella insurance, you could face the risk of selling homes, cars, businesses, or other valuable assets to cover lawsuit costs. Many people won’t hesitate to sue, assuming you can afford the financial consequences. Umbrella insurance ensures your assets are safeguarded against these risks.

At Brock and Poole Insurance Agency, we understand the importance of protecting your assets. Our experienced agents will work with you to ensure you have the appropriate coverage. Contact us today to learn more. We proudly serve the Collierville, TN area.

Optional Life Insurance Policy Add-Ons

Posted on June 30, 2025June 5, 2025 by admin

Making important financial decisions can be a challenging task. As we grow older, many of us choose to buy life insurance to provide financial security for our families after we pass away. If you live in the Collierville, TN area, our team at Brock and Poole Insurance Agency is here to help you find the right life insurance policy. Since 2014, we’ve been assisting clients like you with personalized guidance and support.

Optional Policy Additions

When shopping for life insurance, it’s helpful to learn about optional features you can add to your policy. Many life insurance policyholders choose to purchase coverage for their spouse or children. According to Shelby County, TN, children can be covered under their parents’ policy until they reach age 26.

Optional additions to life insurance policies are often referred to as “riders.” For example, according to NerdWallet, you may opt to add an accelerated death benefit rider. This feature allows you to access all or part of the policy’s death benefit while you’re still alive, typically in cases of terminal illness. Another option is an accidental death rider, which increases the payout to beneficiaries if the insured person dies due to a covered accident, such as drowning.

Schedule an Appointment Today

It’s never too early to start thinking about life insurance. At Brock and Poole Insurance Agency, we’re here to help you select the right policy for your needs. Clients in the Collierville, TN area value our independent insurance agency for its expertise and personalized service. Call us today to schedule an appointment, and let’s work together to find the best insurance solutions for you.

Will Auto Insurance Cover Property That was Stolen From My Car?

Posted on May 30, 2025May 19, 2025 by admin

Typically, auto insurance doesn’t cover personal property stolen from your car. It will cover losses related to the vehicle, including the vehicle itself, but personal property loss requires other insurance. At Brock and Poole Insurance Agency in Collierville, TN, we’re here to guide you in getting the right combination of coverage to protect your car and the personal items you keep inside it.

Auto Insurance Only Protects Your Car

An auto insurance policy’s purpose is to repair or replace your car in the event of an accident or theft. It won’t cover any of your belongings lost in these types of incidents.

However, your homeowner’s or renters’ insurance policy can cover your items. These policies cover the value of your lost or stolen items, regardless of where they were taken.

How to Ensure Your Personal Property is Covered

The three main types of residential insurance include:

Homeowners
Condominium
Renters

Generally, all three of these policy types include personal property coverage. That means if you leave your laptop in your car and it gets stolen, the homeowners’ insurance will provide the replacement value of the laptop. You’ll have to pay the deductible, and there is a maximum amount the policy will pay, but it can help offset the cost of replacing your personal property.

Contact Us Today to Learn More About Getting the Right Coverage

We at Brock and Poole Insurance Agency are ready to help you find insurance policies that cover your vehicle and personal property. Call us today at our agency in Collierville, TN, to speak to an agent and learn more. We’re here to ensure you get the protection you need for your valuables and more.

Common Coverage Gaps That Leave Businesses Exposed

Posted on April 30, 2025April 14, 2025 by admin

Understanding the Importance of Comprehensive Business Insurance

Having the right insurance coverage is crucial for protecting your business. It can mean the difference between a minor inconvenience and a major financial setback. At Brock and Poole Insurance Agency in Collierville, TN, we often speak with business owners who assume their standard policy covers everything, only to discover costly gaps later. Let’s discuss some of the most common areas where businesses get caught off guard.

Relying Too Much on General Liability

Many businesses believe general liability is the catch-all safety net. While it’s essential, it doesn’t cover everything. For instance, if your business suffers a data breach or cyberattack, general liability won’t help. That’s where cyber liability insurance comes in and is more crucial than ever in today’s digital world.

Underestimating Business Interruption

Imagine if your storefront is damaged in a storm and you have to close for repairs. Property insurance might cover the repairs, but what about the lost income while you’re closed? Business interruption insurance fills this gap, but many policies don’t include it unless you specifically request it.

Ignoring Professional Liability

If your business offers advice or services, a professional liability policy (also known as errors and omissions insurance) is key. Without it, you could be held personally responsible for a mistake or oversight, even if it was unintentional.

Don’t Wait Until It’s Too Late

Every business is unique, and so are its risks. That’s why it helps to have experts on your side. Brock and Poole Insurance Agency in Collierville, TN, is here to help you identify and close any gaps in your commercial coverage. Let’s ensure your business is truly protected. Contact us today for a personalized review.

What New Homeowners Need to Know About Homeowners Insurance

Posted on March 28, 2025March 14, 2025 by admin

Overview of Homeowner’s Insurance for New Buyers

You’ve just invested in your first home and want to ensure you have the right insurance coverage. Our Brock and Poole Insurance Agency agents can help you obtain the necessary information to cover your new Collierville, TN, home.

Why the Necessity of Homeowners Insurance?

When you purchase a homeowner’s policy, you protect your home and personal belongings from unexpected issues. The policy also provides liability coverage in the event of an injury sustained by someone while visiting your property.

While it may seem the cost of a policy is expensive, you do not want to cut back on coverage that may be needed in the future. Even if you own your home outright without a mortgage, it is still recommended that you purchase insurance. Without homeowner’s insurance, you are financially responsible for all costs if your home is damaged.

If you have a mortgage, check with your lender, as the insurance premium costs may be included in your payment, placed in an escrow account, and paid to your insurance provider.

Ask Our Agents

Our agents will thoroughly explain homeowner’s insurance, such as how coverage is based not on what you paid for your home but on what it will cost to rebuild. You will also want to know the difference between an Actual Cash Value (ACV) policy (less expensive) and a Replacement Cost Value (RCV) policy (more expensive).

Policies usually include dwelling coverage, personal property coverage, and liability protection, and they provide additional living expenses if your home is unlivable due to damage.

Also, ask about maintenance coverage, detached structures, and whether your home’s location affects coverage.

Contact Brock and Poole Insurance Agency

With a call to our Brock and Poole Insurance Agency, you can be assured of receiving the insurance information needed to protect your Collierville, TN home.

Exploring the Liability Coverage in Renter’s Insurance

Posted on February 28, 2025February 12, 2025 by admin

When you purchase a renter’s policy from Brock and Poole Insurance Agency to cover your rental home in Collierville, TN, your insurance provides more than just coverage for your personal belongings. Your renter’s coverage also protects your finances from out-of-pocket liability settlements. Here’s how it works.

Liability Coverage in a Renters Policy

A renters’ policy provides liability coverage for incidents occurring in private areas of the rented home, such as the bathroom, bedrooms, kitchen, etc. The landlord’s policy covers liability in the front yard or porch.

For instance, if your friend stays overnight and slips in the shower, your renter’s insurance applies. Your friend could file a claim to cover medical expenses, such as a doctor’s visit or crutches for a twisted ankle.

When It’s Your Landlord’s Insurance

Suppose a delivery person slips on the wet front steps while dropping off a package. In this case, your landlord’s policy applies. The delivery driver would need to file a claim on your landlord’s insurance.

Other Uses of Liability Coverage

A renters’ policy also covers other forms of liability. The liability component provides financial protection if you slander or libel someone. If the other party sues you, you can file a claim so your renter’s insurance pays the settlement instead of you paying it out of pocket.

Update Your Renters Insurance Today

Call or email Brock and Poole Insurance Agency today for a renters’ insurance review. Don’t go without the proper insurance to protect your rented home in Collierville, TN. Let us help you update your policy.

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