Is racing covered by motorcycle insurance?

Traditional motorcycle insurance policies do not cover bikes involved in timed events. They sometimes allow owners to ride their motorcycles on racetracks or at instructional events, but motorcycle insurance for racers normally comes through specialty carriers. If you need to sort out your motorcycle insurance coverage and live in or near Collierville, TN, contact our Brock and Poole Insurance Agency team to discuss how to cover yourself and your motorcycle.

Insurance for the Road and Track

Traditional motorcycle insurance is designed for street riders who comply with all relevant traffic laws. Many motorcycle policies have exclusions, meaning the insurance company does not cover damage or liability related to riding recklessly, while committing a crime, or while under the influence of alcohol or controlled substances. Standard policies also exclude racing from their coverage.

The typical racing exclusion is based on participating in a formal, timed event rather than the location. Many policies cover policyholders who participate in instructional events held at racetracks as long as they do not keep speeds or times.

Those who race motorcycles generally obtain policies from specialty carriers focusing on motorsports or collectible bikes. These insurers offer track-day policies with coverage options related to transporting the bike, damage to your bike, damage to other property, injuries to yourself and others, and numerous other options. Specialty policies are available and require detailed consideration of the options you need and those you qualify for based on your bike, driving record, and other factors.

Insuring Your Motorcycle With Brock and Poole Insurance Agency

If you live in or near Collierville, TN, call our friendly team at the Brock and Poole Insurance Agency at 901-854-9775. We can help with all your motorcycle and other insurance needs. So, call or stop by to see us today.

Working with Brock and Poole Insurance Agency: Ensuring Your Peace of Mind

In the heart of our community, a duo of local hometown heroes, Brock and Poole Insurance Agency, is making waves with a mission that resonates with every resident: to ensure that everyone has the insurance coverage they truly need. It’s a daunting statistic that 94% of people have the wrong insurance coverage, often through no fault of their own. This mismatch can lead to unnecessary stress and financial strain in times of crisis. However, Brock and Poole are here to change that narrative, one policy at a time.

Personalized Service with a Community Focus

At Brock and Poole Insurance Agency, it’s not just about selling insurance policies; it’s about building relationships and understanding the unique needs of each individual and family in our community. They pride themselves on being accessible and approachable, qualities that are sometimes lost in the corporate maze of larger insurance firms. With Brock and Poole, you’re not just a policy number; you’re a neighbor, a friend, and a valued member of the community they serve.

The Right Coverage for Peace of Mind

The revelation that 94% of people are navigating life with inadequate insurance coverage is more than a statistic; it’s a wake-up call. Many discover the hard truths about their policies only when it’s too late. Brock and Poole have taken it upon themselves to embark on a mission of education and empowerment. They take the time to analyze your current situation, identify gaps in your coverage, and provide tailored solutions that protect what matters most to you. Whether it’s home, auto, life, or more specialized policies, they’re equipped to guide you to the perfect fit.

A Community-Oriented Approach

Brock and Poole’s commitment extends beyond individual policies. They’re on a mission to foster a well-insured community where everyone can rest easy knowing they’re protected against the unforeseen. Their approach is hands-on and heart-led; they participate in local events, offer educational workshops, and are always looking for ways to give back to the community that supports them.

How They Make a Difference

What sets Brock and Poole apart is their dedication to making insurance understandable and accessible. They demystify the jargon and fine print, making sure you’re informed and confident in your choices. It’s this commitment to transparency and education that has earned them the trust and loyalty of countless local families and businesses.

Join the Movement

Working with Brock and Poole Insurance Agency is more than just securing an insurance policy; it’s joining a movement towards a safer, more secure community. They invite every community member to reach out, whether it’s for a simple question, a policy review, or to start a new coverage journey. Together, we can shift the statistic and ensure that everyone has the right insurance coverage, tailored to their unique needs and circumstances. In a world full of uncertainties, Brock and Poole stand as beacons of hope and reliability. They’re not just insurance agents; they’re your neighbors, dedicated to your well-being and the prosperity of our community. Reach out to Brock and Poole Insurance Agency today, and take the first step towards peace of mind and proper protection.

Renting Your First Apartment? What to Know About Renters Insurance

Understanding the Importance of Renters Insurance

Renting your first apartment in Collierville, TN, comes with the responsibility of making decisions like acquiring renters insurance. At Brock and Poole Insurance Agency, we offer renters insurance and are here to help answer any questions you have.

The Coverage of Renters Insurance

Renters insurance can reimburse you for repairing or replacing your belongings when a covered event occurs, like theft or natural disasters. The policy often extends to cover loss of use, supporting you financially if a covered event renders your apartment uninhabitable.

Not Covered by Your Landlord’s Insurance

Typically, your landlord’s insurance does not cover your personal belongings. If something happens to your apartment, your landlord’s policy will likely pay for apartment repairs but not your possessions. Renters insurance proves invaluable here.

Is Renters Insurance for You?

Contact Brock and Poole Insurance Agency, servicing Collierville, TN if you’re considering renters insurance. We’re here to help you find the right policy.

Peace of Mind with Renters Insurance

Securing renters insurance allows you to enjoy your rented space with peace of mind, knowing that you’re financially protected in case of unforeseen events. Remember, your landlord’s policy provides coverage for the building, not your belongings or liability. Let us help you make your renting experience worry-free with the right renter’s insurance policy. Don’t hesitate to reach out to us.

Need More Coverage? An Umbrella Policy Can Be the Right Choice

Even if you have insurance policies on your house, car, and other significant assets, you might still not have as much coverage as you want or need. That’s where umbrella insurance comes in, and Brock and Poole Insurance Agency can help. If you’re in the Collierville, TN, area and looking for an umbrella policy, our dedicated agents can work with you to find the perfect coverage for your needs. Then, not only will you have good coverage, but you’ll also have additional peace of mind.

An umbrella policy is designed to take over where other policies end in case you have a claim that goes beyond the limits of your auto, home, or other policy. This can protect your assets when a claim is made, keeping you and your family safe from serious future issues. Many people think that only people with high levels of assets need these kinds of policies, but that’s not the case. Umbrella policies can be beneficial as an extra layer of protection for nearly everyone.

When you work with us to find the right coverage for your needs, we’ll get quotes from multiple insurers. Then, we’ll talk to you about the differences in the policies and answer all your questions. We want to make it easier for you to choose what works for your situation and give you the value you want. The more information you have about the policies, the more you’ll feel comfortable selecting one.

If you’re in the Collierville, TN, area and looking for an umbrella insurance policy, Brock and Poole Insurance Agency is here for you and your coverage needs. Contact us today, and let our agents help you insure the things that matter most.

Historical Evolution of Life Insurance

London’s Amicable Society, founded in 1706, is recognized as the world’s first life insurance company. Their early endeavors were, however, more akin to investment schemes than modern insurance, as policies lacked actuarial principles and relied heavily on social connections. Knowing the evolution of life insurance brings a better understanding of how it works today for our area of Collierville, TN.  

Actuarial Science and Mathematical Foundations

Later, in the 19th century, we witnessed a transformative period for life insurance with the incorporation of actuarial science. Mathematical principles introduce the assessment of risk and calculation of premiums. This era laid the foundation for the actuarial tables integral to modern life insurance underwriting.

Evolution of Policies and Regulatory Frameworks

As the industry matured, various policy types emerged, such as whole life, term life, and endowment policies. Governments recognized the need for regulatory oversight, leading to the establishment of insurance commissions to safeguard policyholders. This regulatory framework provided a stable environment for the industry’s growth.

Globalization and Technological Advancements

In the 20th century, life insurance became a global phenomenon. Advancements in technology-facilitated more efficient underwriting processes and enhanced customer experiences. The industry embraced innovations like online applications and data analytics, streamlining operations and broadening access.

Today’s Life Insurance: A Dynamic Landscape

The historical evolution of life insurance showcases a dynamic journey from communal support systems to a sophisticated, global industry. Rooted in ancient practices, life insurance has adapted and thrived, becoming an indispensable aspect of modern financial planning. It remains the number one financial stability for those left behind after the death of a loved one. 

How Brock and Poole Insurance Agency Can Help You

At Brock and Poole Insurance Agency, we can help answer questions concerning life insurance. We serve the Collierville, TN area. Contact us today.   

How Uninsured and Underinsured Coverage Works in Collierville, TN

When looking at auto insurance coverage options in Collierville, TN, you will likely see uninsured and underinsured coverage included. You can opt out of this coverage, but there are numerous reasons why you should keep this vital form of protection as part of your policy. Since we offer this type of coverage at Brock and Poole Insurance Agency, we want to give you an overview of what this type of coverage entails and why we consider it necessary for drivers.

How Uninsured Motorist Coverage Protects You (UM)

If you have an accident and the other party doesn’t have insurance, your uninsured coverage will help pay for damages regardless of fault. Tennessee is home to many uninsured drivers and drivers between insurance coverage. So, there’s always a possibility that an accident with any individual on the road can become a situation where the other party doesn’t have insurance. Your uninsured motorist coverage will give you protection against that possibility.

How Underinsured Motorist Coverage Protects You (UIM)

Even when a motorist has proper auto insurance coverage, there’s still a chance the person doesn’t have enough coverage for damages sustained in an accident. For this reason, underinsured motorist coverage can become a safety net.

For example, if you’re in an accident and your medical bills cost more than the other party’s insurance coverage can pay, your UIM coverage will help bridge the gap. This also applies to lost wages, loss of earning potential, pain and suffering, and other damages from an automobile accident.

Do You Need Uninsured/Underinsured Coverage in Tennessee?

It would be best if you considered UM/UIM coverage a necessity. You never know what you might have to deal with in the aftermath of an accident, so having these additional protections makes a lot of sense. UM/UIM adds coverage amounts beyond your policy limits, which can become very important for you and your family if an accident happens.

Contact us at Brock and Poole Insurance Agency today to learn more about uninsured and underinsured coverage in Collierville, TN.

Here’s Why You Need Commercial Insurance

Starting a business can undoubtedly be exhilarating. However, as a business owner, you may find yourself and your wealth exposed to serious threats. Fortunately, the right commercial insurance plans can mitigate at least some of the risks. If you live in or near Collierville, TN, and own a business or are considering starting one, contact Brock and Poole Insurance Agency to discuss commercial insurance policies.

Businesses Face Myriad Risks

Starting up a company all but inevitably exposes you to some threats. Often, business owners think of risks in terms of competitors in the market, trade secrets, and losing investment resources if an idea goes bust. These risks are important. However, they are not the only threats you may face.

A storm could destroy the physical buildings if you own a restaurant, gas station, or whatever else. Likewise, your business might be targeted by criminals who may destroy your property or steal your money. The right commercial insurance policies may cover some of these events.

Businesses may also be exposed to various liabilities. For example, if a restaurant serves someone food that makes them sick, the business owner could end up in court facing a civil suit. Likewise, the entrepreneur could face a lawsuit if someone falls in the restaurant because an employee mopped the floors but didn’t put up signs. The right business insurance policies may cover some of these events.

Of course, you should speak with an insurance agent to determine what is and is not covered by a specific plan. If there are gaps in your insurance policy, you may be able to fill them in with additional plans or expanded coverage.

Entrepreneurs operating near Collierville, TN should contact Brock and Poole Insurance Agency to learn more about commercial insurance coverage.

When is it a good idea to start looking for a new home insurance policy in Tennessee?

Owning real estate in the Collierville, TN area has been an excellent option for a long time. When you are a property owner, you need to have insurance for your home. There are various situations when it is a good idea to start looking for a new plan.

When Buying a Home

The first situation when you should look for a new home insurance policy is when you are buying a home. When you buy a property in this state, you will need to have insurance for it. Before closing on the purchase, you should ensure you have a solid home insurance policy in place that offers the right coverage and meets requirements. 

End of Policy Term 

It is also a good idea to look for a new home insurance policy when your policy matures. Home insurance plans tend to have a one-year term. At the end of the term, you may have an auto-renew provision, but shopping around is still a good idea. When you are able to shop around, you can save money and even get more coverage. 

Even if you do not have a policy maturing soon, it never hurts to shop around. Insurance companies have different underwriting standards, so you could find a quality plan offering reduced premiums and other benefits you would not receive if you stuck with your original policy. 

Home insurance is critical when you are in the Collierville, TN area. When looking for this coverage, you should call our Brock and Poole Insurance Agency team. Our professionals at Brock and Poole Insurance Agency can give any support to help you look for a new plan when the time comes. 

Can Roommates Each Have a Renter’s Insurance Policy?

Renter’s insurance protects individuals from risks and losses associated with covered events. Renter’s insurance provides liability coverage in addition to coverage for personal property and alternative lodging if necessary. If you would like to learn more about renters insurance, count on Brock and Poole Insurance Agency to provide the residents of Collierville, TN, with quality options.

Renter’s Insurance Coverage 

If you rent a home or an apartment, you’ll need to secure renter’s insurance to protect yourself and others. Sometimes, it may be required to reside at your location. If you have a roommate, you’ll likely need to secure a policy individually rather than share one. Before choosing your renter’s insurance policy, check with your rental agent or office to determine the requirements to live in that space.

To learn more about renters insurance and how it applies to your specific circumstances, our knowledgeable and friendly agents can help you understand more about potential policy options that work for you and how to secure the right policy. 

We can thoroughly explain the terms and conditions of each potential policy to help you understand if it’s the best choice. Once you make a policy selection, we can also assist you with submitting documentation and information to get coverage immediately. If you have any changes to your living Arrangement or need to file a claim, we’ll also offer support.

Reach Out Today 

To get started with your renter’s insurance coverage, contact Brock and Poole Insurance Agency. Call or stop by the office to schedule a consultation with one of our insurance agents. We can also answer questions about any other products or services we provide to the residents in and around the Collierville, TN, area.

Four reasons why you’ll like having umbrella insurance

It’s essential to carry umbrella insurance for total financial protection. Consumers in Collierville, TN can get the coverage they need from Brock and Poole Insurance Agency.

The following are four reasons why you’ll like having umbrella insurance.  

Umbrella insurance can reduce the stress of being a parent.

Parents need to carry umbrella insurance since parents can be held liable for damages caused by their children. Umbrella insurance reduces the liability risks of being a parent, making life less stressful for parents. 

Umbrella insurance protects you in a wide range of liability situations.

If you learn about umbrella insurance, you will see it offers protection in many situations. You can rely on your umbrella insurance to protect you whether you face a lawsuit due to auto accidents, accidents in your home, or accusations of defamation. 

Umbrella insurance offers a lot of value.

It’s impressive how much coverage umbrella insurance offers for how little it generally costs. Umbrella insurance can provide millions of dollars of coverage if you face an expensive lawsuit. At the same time, monthly premiums on umbrella insurance policies tend to be surprisingly low. 

Umbrella insurance typically protects you anywhere in the world.

Carrying umbrella insurance can be especially beneficial if you travel a lot. Umbrella insurance policies often don’t have any geographical restrictions. This means that policyholders can benefit from coverage if they get involved in a lawsuit or face a liability expense outside their home country. 

Umbrella insurance offers consumers in Collierville, TN many advantages. At Brock and Poole Insurance Agency, we can quote you an umbrella insurance policy that will keep your finances secure. Get in touch with us today!