Three Reasons to Resurface Your Parking Lot

Name: Brock and Poole Insurance Agency, Inc.
Address: 185 N Main St, Ste 103, Collierville, TN, 38017
Telephone: 901-854-9775

Posted on November 15, 2024December 2, 2024 by admin

As a commercial property owner, you likely have at least one parking lot for your employees and customers. While resurfacing your parking lot may seem like a tedious and unnecessary task, it is important for several reasons.

1. Longevity

Resurfacing your parking lot periodically can extend its lifespan and prevent the need for a complete repaving job too soon. This process removes cracked areas and fixes potholes, preserving the parking lot’s integrity. However, the cost of a full paving job is significantly higher than that of several resurfacing jobs.

2. Looks Presentable

Having a resurfaced parking lot sends a message that your business cares about its employees and clients and aims to provide them with the best experience. It can be counterproductive to invest time and money in enhancing your property’s exterior only to offer your customers a poorly maintained parking lot. This can negatively impact their overall impression and reduce your property value. Strive to always present the best image to anyone visiting or passing by your property.

3. Safety Concerns

The most crucial reason to resurface your parking lot is safety. A parking lot full of cracks and potholes can cause significant damage to vehicles and personal property, potentially costing your business thousands of dollars. Additionally, if someone trips and falls due to the poor condition of the parking lot, they could get injured and require medical attention, leading to further costs for your business.

If you live in or around the Collierville, TN area, and need commercial insurance, we’re here to help. Contact us at Brock and Poole Insurance Agency today for more information.

Home Insurance for First-Time Buyers

Posted on October 15, 2024October 10, 2024 by admin

Buying your first home around Collierville, TN is an exciting milestone, but along with homeownership comes the responsibility of protecting your investment. Home insurance is essential for many first-time buyers to cover the cost of unexpected damages, theft, or liability issues. Understanding what to look for in a policy can be overwhelming, but our insurance agents can assist.

Understanding Coverage Basics

Home insurance typically covers the structure of your home, your personal belongings, and liability protection in case someone is injured on your property. It also covers additional living expenses if you are displaced due to damage. When choosing a policy, it’s important to know the replacement cost of your home, which is the amount it would take to rebuild it if it’s completely destroyed. Make sure the coverage limits reflect the true value of your home and belongings.

Deciphering Deductibles

A key part of your home insurance policy is the deductible or the out-of-pocket and upfront cost in a claim. Higher deductibles mean lower premiums, but you must cover more costs if something happens, and a claim must be filed. As a first-time buyer, choose a deductible that fits your budget and savings while still providing adequate protection.

Factors That Affect Premiums

Different factors influence your home insurance premiums, including the location of your home, its age, and its proximity to fire stations or bodies of water. Security features like alarms updated electrical systems, and newer roofing can also help lower your premiums. It’s important to shop around and compare policies to find the best coverage for your needs and budget.

Contact Brock and Poole Insurance Agency for More Information

Brock and Poole Insurance Agency is here to provide the best explanations for answering your insurance questions as we serve Collierville, TN, and surrounding cities. Call today.

Usage-Based Insurance in Auto Insurance

Posted on September 23, 2024September 16, 2024 by admin

Usage-based insurance, also known as UBI, is an innovative approach to auto insurance because its calculations are based on drivers’ habits. Instead of relying solely on traditional factors like age, location, or driving history, UBI tracks how often and how safely someone drives. This system offers a personalized rate that reflects individual driving habits for those living around Collierville, TN.

How Usage-Based Insurance Works

UBI policies use technology, typically a telematics device or a mobile app, to monitor driving behaviors such as speed, braking, acceleration, and the distance driven. These devices or apps collect data and transmit it to the insurance company, which then uses the information to assess risk and adjust premiums accordingly. Some insurers may offer immediate discounts for enrolling in a UBI program, with additional savings possible based on driving performance over time.

Drivers who maintain safe driving habits, such as avoiding hard braking, staying within speed limits, and driving fewer miles, tend to see significant reductions in their premiums. This makes UBI particularly attractive to individuals who drive infrequently or have excellent driving habits.

Benefits of Usage-Based Insurance

Usage-based insurance allows you to exercise more control over your auto insurance costs. Safe drivers can save money by proving their responsibility by driving through the data collected, and low-mileage drivers benefit from not paying for coverage they rarely use.

UBI can also promote safer driving. Since drivers know their behavior is being tracked, they are often more cautious, which can lead to fewer accidents. Additionally, UBI offers flexibility for drivers whose vehicle usage fluctuates.

Brock and Poole Insurance Agency For Better Understanding of Insurance

Brock and Poole Insurance Agency offers all of the information you need to get insurance. Our agency serves the locations in and near Collierville, TN. Call today.

What Factors Should You Consider When Buying RV Insurance?

Posted on August 30, 2024December 2, 2024 by admin

Purchasing RV insurance is an important step in protecting your home on wheels. At Brock and Poole Insurance Agency, serving Collierville, TN, we understand the unique needs of RV owners. Whether you’re a weekend warrior or a full-time traveler, here are some key factors to consider when choosing the right coverage.

Understand Your Coverage Needs

Before diving into policy details, think about how you use your RV. Are you hitting the road for short trips, or is your RV your permanent residence? Your usage will dictate the level of coverage you require. Full-timers may need more comprehensive policies, similar to homeowners insurance.

Evaluate Liability Coverage

Liability coverage is crucial. It protects you in case of accidents where you’re at fault, covering property damage and medical expenses for other parties. Ensure your policy provides sufficient limits to safeguard your assets.

Consider Additional Coverage Options

Think about any additional coverage you might need. Roadside assistance and emergency expense coverage can be lifesavers in unexpected situations. If you travel with valuable items, you might also want to add personal belongings coverage.

Assess Your Deductible

Your deductible is the amount you’ll pay before your insurance kicks in. Choosing a higher deductible can lower your premium, but be sure it’s an amount you can comfortably afford in case of a claim.

Research Discounts

It’s not uncommon for discounts to be available for safety features, bundling policies, or even RV safety courses. Ask about potential savings to make your policy more affordable.

For personalized advice and a quote tailored to your needs, contact Brock and Poole Insurance Agency in the greater Collierville, TN, area. Let us help you hit the road with confidence and peace of mind.

Coverage To Consider Before Taking a Boating Trip

Posted on July 9, 2024December 2, 2024 by admin

Are you going on a boating trip in the near future? If so, you may need to upgrade your boat insurance policy. Use the following information to prepare for your upcoming trip.

Liability Coverage For Your Occupants

If others will be attending the boating trip with you, it’s crucial to consider the amount of liability coverage accessible to you.

Liability coverage protects you if one of your travel companions gets injured during the trip. The liability protection also covers any property damage that might occur while you’re participating in the boating trip.

Coverage For Your Possessions

Your boat’s possessions could be stolen or damaged while you are boating. Ensuring protection for your possessions will prevent financial loss.

Carry out a thorough assessment of the boat well in advance. This ensures that you get coverage for each valuable item. During the evaluation, all valuable items should be recorded.

Your insurance policy can include coverage for navigational aids, furnishings, mechanical equipment, and any other loose or fixed items you’ll need for your trip.

Add-On Insurance

Add-on insurance products can personalize your existing policy. Depending on your unique circumstances, you may need towing insurance, storage insurance, or another insurance product.

Add-on insurance products enhance the value of an existing policy. Before deciding on specific insurance products, review different types of coverage. You can add as much insurance as you need to stay protected on your boating trip.

Additional Help

Now that you have considered some types of coverage contact one of our Brock and Poole Insurance Agency representatives. An agent who serves Collierville, TN, will assist you.

Protecting Your High-End Motorcycle

Posted on June 28, 2024December 2, 2024 by admin

If you own a high-end motorcycle in Collierville, TN, you may wonder if a regular motorcycle insurance policy will give you the protection you need to insure your bike adequately, but it may not. You may need to consider additional provisions to ensure your bike’s structure and safety are adequately insured. Brock and Poole Insurance Agency can provide you with the correct information on what you need to insure that shiny new bike.

The High-End Motorcycle Difference

Standard motorcycle insurance is similar to auto insurance because your premiums will vary according to the bike you purchase. Cruiser bikes are usually larger and have higher horsepower. To adequately protect your motorcycle, you should consider getting the most coverage you can afford for collision, comprehensive, and uninsured/underinsured motorists. The more expensive your bike, the more expensive it will be to repair or replace it if you are in an accident or if another mishap damages it when you are not using it. Buying a higher amount of uninsured/underinsured motorist coverage is also a good idea, as this portion of your policy will pay for repairs if a motorist with inadequate insurance or none at all is at fault in an accident that damages your motorcycle.

Other Considerations for Coverage

Larger, high-end bikes frequently have the ability to carry a passenger. If you will ride frequently with a passenger, consider getting medical coverage for passengers. Without such coverage, your passenger could sue you if they sustain catastrophic injuries in a collision.

If your bike has customized parts, a regular insurance policy won’t cover damage to those areas. Consider adding an endorsement that describes the customizations.

To learn more about protecting your high-end motorcycle best, schedule an appointment with Brock and Poole Insurance Agency, serving residents of Collierville, TN.

Renter’s Insurance 101: What Collierville, TN Residents Need to Stay Safe

Posted on May 27, 2024December 2, 2024 by admin

A renter’s worst nightmare is coming home from a long day at work or a night on the town to discover that their home has been burglarized. Learn how Collierville, TX residents stay safer with renters insurance tips from Brock and Poole Insurance Agency.

Renters Insurance 101: Staying Safer in Collierville, TN

Many renters make the mistake of taking steps like installing a home security system or starting a renters insurance policy after their rental home or apartment has been burglarized. Savvy renters understand the value of their belongings and take proactive steps to shield their valuables from theft, burglary, or natural disasters with comprehensive renters insurance.

Key Components

#1. Personal Property Coverage

One of the primary benefits of a comprehensive renters insurance policy is personal property coverage. This life-saving insurance coverage can protect belongings like furniture, clothing, jewelry, electronics, laptops, and other valuables in your rental home.

#2. Liability Insurance Protection

Selecting a renter’s insurance policy with built-in liability protection can help shield your finances and wallet in case a guest is injured while visiting your property. Liability insurance can also protect you if you accidentally damage someone else’s property while away from home.

#3. Additional Living Expenses

If your rental unit becomes temporarily uninhabitable, your renter’s insurance policy can help cover additional living expenses, including temporary housing and meals, until you can safely return to your unit.

Get Renters Insurance Near You

Be proactive – don’t wait until the unexpected happens and it is too late to protect your favorite electronics and valuables. Reach out to a knowledgeable and friendly renter’s insurance agent at Brock and Poole Insurance Agency in Collierville, TN, and get started on a quote today!

What’s the Difference Between Umbrella Coverage and Excess Liability Insurance?

Posted on April 26, 2024December 2, 2024 by admin

Many Collierville, TN insurance agencies use the terms umbrella coverage and excess liability coverage interchangeably. However, there is one important difference between these two policies.

Excess Liability Insurance

Excess liability insurance increases the limit of one or more underlying insurance policies. If, for instance, your liability policy has a $1 million limit, but you need more compensation than this sum, excess liability insurance will kick in and meet your needs. However, this type of insurance won’t cover anything that isn’t already covered to some extent by an existing policy. Some excess liability policies have narrower coverage options than a general insurance policy. You’ll want to read the terms and conditions carefully to ensure they don’t leave gaps in your coverage.

Umbrella Insurance

Umbrella insurance, like excess liability insurance, can increase the compensation limit on one or more policies. At the same time, it can also cover circumstances and situations not covered by your current policies. For example, if your property is damaged by flooding and your flood insurance policy doesn’t cover outdoor structures such as garages or gazebos, your umbrella insurance policy can kick in and provide needed compensation.

Contact Brock and Poole Insurance Agency in Collierville, TN for More Information

There are many factors to consider when choosing between umbrella and excess liability insurance. At Brock and Poole Insurance Agency, we take pride in helping people assess the pros and cons of each policy option and pick the one that works best for them. Get in touch with us for more information about our policies or to get a quote on the policy of your choice.

Is racing covered by motorcycle insurance?

Posted on March 15, 2024December 2, 2024 by admin

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

Posted on March 7, 2024December 2, 2024 by admin

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.

Brock and Poole Insurance Agency, Inc.

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