No matter what size your boat is, from a kayak to a multi-million dollar yacht, you want to have it properly insured. A small recreational boat, like a canoe or a kayak, may be covered by a home insurance policy under the limits for personal property when it is stored in a garage. Ask your agent to be sure. Even so, you will still need boat insurance for when it is in transport and when using it in the water.

Work with your agent at Brock and Poole Insurance Agency serving Collierville, TN, and the surrounding communities to figure out the exact coverage you need. You want to have adequate insurance for the boat, anything you carry in it, and the people using it.

Coverage for Storage, Transport, and Use

Be sure to discuss where the boat will be kept when it is not in use. There is a difference between keeping a boat moored at a dock and keeping it inside a locked garage. Also, talk about how the boat will be transported and how often it will be taken on the road.

Let your agent know the type of water the boat will be used in. Different coverage may be needed for boats used in freshwater compared to those used in the ocean. Another example is that using a kayak on a still lake is quite different from using it to go down whitewater rapids.

Replacement Cost

To have adequate insurance you need to figure out the replacement cost of the boat and for any accessories. Replacement cost is the best way to insure things because if something gets lost or damaged for a reason that is covered by the insurance, the insurance company covers the cost to buy a new one of a similar kind.

For example, imagine that you have a marine radio that would fetch only a few dollars at a garage sale. It works so there is no reason to buy a new one. It is covered with replacement cost insurance. If it gets lost or damaged you will get a new one of the same kind, even if it costs much more than the old one is worth.

Call 901-854-9775 to speak with your agent at Brock and Poole Insurance Agency in Collierville, TN to have a review of any existing boat insurance that you already have or to get a quote for a new boat insurance policy.

Riding a motorcycle has its perks and drawbacks. The fun and excitement of cruising down the highway on a motorcycle can easily be extinguished by an unforeseen accident. Safety is key to enjoying your bike for years to come.

Motorcycle insurance from Brock and Poole Insurance Agency in Collierville, TN will cover you and your bike in the event of an accident. The following safety tips can help prevent accidents or minimize the damage they cause.

Take a Motorcycle Safety Course

Whether you drive your bike in the city or on the highway, you face risks from the elements, road conditions, animals and other drivers.  A motorcycle safety course can teach you riding skills and techniques that can help you handle these risks in a safe and effective manner. You also get practice riding your bike in a controlled environment.

Inspect Your Bike

Even if it’s new, have your motorcycle inspected before city or highway riding. Check your brakes, engine, mirrors, suspension, and tires. Don’t hit the road until you get a green light from your mechanic.

Wear Safety Gear

The right safety gear can save your life in a serious accident. A protective helmet, gloves, goggles, riding boots and a sturdy jacket are among the basic gear you should buy. Your gear should coincide with your riding lifestyle and habits.

Know Your Routes for Long Distance Travels

Plan road trips carefully to avoid roads that have construction or excessive traffic as these increase your risk of an accident. Stick to posted speed limits on highways, even if there’s no one around you. Take breaks often to avoid fatigue and find a safe place to stop if you hit a patch of bad weather.

To update your motorcycle insurance coverage, contact Brock and Poole Insurance Agency in Collierville, TN.

Renters insurance is something that many people have little knowledge about or experience with when they should. Renters insurance can help you recover from disaster, even if the accident is not your fault but your unit and items are damaged. For those that live in the Collierville, TN area, the agents with Brock and Poole Insurance Agency can help you find the right renters policy for you.

Renters insurance is something that works to protect renters should their rental unit or property become damaged or destroyed. If you do rent, you are not eligible to have a home owner’s policy and are therefore susceptible to having to pay damages if you do not have some sort of policy in place. Without a renter’s policy, you are going to have to foot the bill to replace your items, may have to pay for damages to your landlord, and will have no help when it comes to finding another place to stay.

Renter’s policies work to help make sure you are going to be covered should your rental property become damaged or destroyed along with your personal belongings. With a renters policy you are going to be able to draw on your policy to help pay damage deposits to your landlord and are going to be able to use it to get a place to stay temporarily as well as having the money to replace the items that were either damaged or destroyed. For those that live in the Collierville, TN area, the agents with Brock and Poole Insurance Agency can help you determine if a renters policy is right for you and what type and level of coverage you need to make sure you are fully covered. A renters policy is certainly beneficial, get yours today to make sure you are covered.  

As a renter, you may not own your home, but that won’t prevent a person from suing you if there is an unexpected event or an accident. Insurers offer personal umbrella policies for protecting you against claims of liability. Without personal umbrella insurance, your income is at risk for garnishment should a judge find you liable for any injuries or damages.  

What is Personal Umbrella Insurance?

A personal umbrella policy from Brock and Poole Insurance Agency provides liability protection that extends limitations of your property or auto insurance policies. As an example, what if you get involved in an automobile accident and found guilty for causing the injury of the other driver suing you for expensive medical costs? If your insurance cannot cover the judgment against you, a portion of your wages or business income could get garnished or your personal assets could get seized to compensate. With umbrella insurance, however, the policy could cover any legal or court expenses, besides the judgment, up to its limit. 

Before you can get personal umbrella insurance in Collierville, TN, it is mandatory to have existing renters or auto policy with specific liability limits. A personal umbrella policy can take care of any additional liability expenses, up to its policy limits, when the limits of your property or auto liability policy get exhausted. 

Who Should Get Coverage?

People in Collierville, TN who have personal assets which need protection and also individuals who enjoy risky hobbies, such as hunting or boating should consider buying coverage. However, just about anyone can benefit from purchasing umbrella insurance. Particularly, if you are a renter who would find it a challenge to manage with only a partial income, should your wages get garnished to fulfill a claim against you, a personal umbrella policy could be beneficial. 

If you need more information or have a question, you’d like an agent to answer, contact Brock and Poole Insurance Agency today.

Collierville, TN residents who are looking to ensure continued protection for their loved ones will often meet with Brock and Poole Insurance Agency to find out more about their life insurance policies. One of the most common questions that are asked in these instances will have to do with the beneficiaries of the life insurance policy.

How Many Beneficiaries Can We Have?

There are two types of beneficiaries that the policyholder must choose. A primary beneficiary and contingent beneficiary are both included in the policy but there are some key differences to discuss. The primary beneficiary receives the life insurance policy’s proceeds when the person who is insured passes away.

As for the contingent beneficiary, they are also known as a secondary beneficiary. If the primary beneficiary is still alive when the policyholder passes away, the contingent beneficiary does not receive any of the proceeds.

What If I Want To Change My Beneficiaries?

There are certain situations that will arise that cause us to change beneficiaries and these situations tend to arise rather quickly. If one of the aforementioned beneficiaries passes away before they have a chance to receive the proceeds, the policyholder must make changes. Fortunately, this is a relatively simple process that will not take too much of your time and effort.

All you will need to do is contact the company that you purchased your life insurance policy from and request the proper forms. Once you have completed this simple step, you are able to choose the new beneficiaries and the process is handled as rapidly as possible…with minimal stress. 

To learn more about your life insurance policy and any potential alterations that need to be made, Brock and Poole Insurance Agency is here to help all Collierville, TN residents who are in need of further assistance. 

Opening a business is an exciting, yet confusing time in your life. You are excited about your new opportunities, but also confused and overwhelmed by the rules, requirements and regulations that must be followed in order to open and run your business. While we can’t help you with everything, here at Brock and Poole Insurance Agency, we can help you obtain commercial insurance in the greater Collierville, TN area. You may find yourself wondering if you need commercial insurance to obtain a business license. Here is more on that topic. 

Do You Have to Have Commercial Insurance to Obtain a Business License?

There are different rules for different types of businesses. However, as a general rule of thumb, you are not required to obtain commercial insurance to obtain a business license. 

What Else Do You Need Commercial Insurance For?

While the city or county you are opening up your business in may not require you to obtain a commercial insurance policy, some of the people you are looking to do business with may require it. In order to lease out space in a building, most leasing agencies require you to carry a commercial insurance policy. Additionally, many of the people you do contract work with or for may require you to carry a commercial insurance policy to protect themselves in case you get hurt or injured. As such, it is strongly recommended that you obtain a policy. 

Are you looking to purchase commercial insurance for your new business in the greater Collierville, TN area? If so, let Brock and Poole Insurance Agency assist you. Contact us today to discuss your needs and let us put together the right policy for you. 

Commercial auto insurance is meant for cars and trucks you use for business purposes. Depending on who you work for or the type of business you own, your coverage options vary. Make sure to add on your employees and anyone driving company vehicles for business purposes. This includes your own car if used during the course of your duties at transportation-related or other jobs that require driving.

Check with your Brock and Poole Insurance Agency in Collierville, TN about the types of coverage that would benefit your business. Here is some information to help you prepare.

Who Needs Commercial Auto Insurance?

Commercial vehicles used in trucking, pickup, chauffer, taxi and other transportation-related industries need to be covered by commercial auto insurance. Even if you drive your own vehicle for work, you should consider a basic policy that protects your commercial assets in the event of an accident.

Taxis, vans, limos, and other vehicles need commercial auto insurance. Let’s look at the types of coverage.

Types of Coverage

Your financial institution typically requires comprehensive and collision coverage if you still make payments. This pays for damages and personal injury that occurs while the vehicle is being used for work. Here are other policies to think about:

• Uninsured motorist insurance pays for damage when you are in an accident with an uninsured driver with no insurance.
• Personal injury protection (PIP) helps pay for medical costs if you’re involved in an accident and it also covers lost wages

These are just some of the coverage possibilities for commercial auto insurance in Collierville, TN. Your Brock and Poole Insurance Agency professional can provide insight into the best options for your business.

Contact Us

Contact Brock and Poole Insurance Agency in Collierville, TN to speak with an agent for more information. Make an appointment to get a quote for your commercial auto insurance policy.