Category: Home Insurance

Home owner’s insurance is always something that homeowner’s need. In fact, many financial institutions require coverage for all mortgages. If you have received financing from your bank and hold a home owner’s insurance policy it may just cover the basics. Brock and Poole Insurance Agency is here to help guide through the often confusing process of determining the adequate amount of coverage for your Collierville, TN area home. Insurance needs vary for each situation and the amount of coverage required for your mortgage is likely not the full coverage that you need.

Home owner’s insurance can help to cover costs incurred by damage to your home. Depending on the policy, it will cover damage from storms and other natural disasters as well as theft and accidents. It is very helpful to have a professional insurance agent working with you to help determine which coverages are necessary and at what level. The Brock and Poole Insurance Agency is extremely knowledgeable of the needs and requirements of homeowners in the Collierville, TN area and what type of policies are best for their needs. When you work with an experienced agent you will be able to rely on their expertise and training when you are researching policies and the different scenarios that they cover. 

Home insurance is something that we hope we never need, but it is also essential to have the proper level of coverage. Insurance claims can be confusing and the associated paperwork can be time-consuming. The professional agents at Brock and Poole Insurance Agency are able to walk you through the process if you do have a catastrophic event affect your home. Working with an agent can give you the peace of mind that you desire, knowing that your home is covered from unforeseen events.

For many Collierville, TN homeowners, the only time they ever look at their home insurance policy is when they first purchase or rent the property. If you settled down and raised your family, it may have been twenty years since you last reviewed your policy and what it does and does not cover. Brock and Poole Insurance Agency. wish to remind you that sitting down with your agent isn’t simply an opportunity for us to sell you something, but a chance to ensure that you are protecting your investments, family, and lifestyle that has surely changed over the decades.

Review the Assessed Value of Your Home

When you bought your mortgage, your home was possibly worth half or less of its current potential sales price.  While it may save you cash on property taxes if your city or town has not recently assessed your property, if it was damaged in a fire or storm, a below market assessment and insurance policy could result in an insurance payment that is unable to fix your home.  With real estate values on the increase across the nation, this is a good opportunity to protect your most valuable investment.

Valuable Possessions May Benefit from Itemization and Inventories

Over time we often replace our bargain basement set of dishes with elegant stoneware or china. Dime store posters are discarded in favor of artwork.  Collectibles begin to inhabit glass cabinets and even wall safes.  Will your twenty-year-old insurance policy replace unique items at their full value, or will they be considered at the time of a claim as less valuable due to their age? You might want to include full value replacement when you update your policy.

Your agent at Brock and Poole Insurance Agency looks forward to helping you find the coverage you truly need for your Collierville, TN home.

Moving into your home can be one of the most exciting things you do. You picture all of the ways you’ll make the best use of your property, whether that’s morning cups of coffee at the breakfast nook or peaceful outdoor strolls in your backyard. One of the things that isn’t likely to make you excited though is having to decide which home insurance policy to get. It can make you think about all of the bad things that could happen to your property which, let’s face it, almost no one wants to do.

But home insurance is not just a luxury for only the rich, so Brock and Poole Insurance Agency wants the people of Collierville, TN to know more about finding the best policy.

Everything Gets Better 

No matter how much you have when you first move into a house, it’s likely to only get better the longer you live there. Old iPads are replaced with the latest versions or new jewelry is purchased for that important milestone birthday. Whenever you increase the value of your home though, you risk exceeding the limits of your home insurance policy. The same goes for any type of home renovation or improvement you do. With Brock and Poole Insurance Agency on your side though, you’ll have an easy way of updating your policy so that you won’t be held liable for damage if it does happen to befall you. 

Give Us a Call 

If you live in Collierville, TN, then we want to speak to you. We serve the people of your area, and we understand how home insurance helps everyone out. Call us today to speak to our agents and find out more about the best policies for you. 

The first step to any insurance claim is to take the time to document what happened. Say there was a storm and a tree fell onto your roof destroying a large part of your home. You would want to take photos, write down the timeline of events, and take the time to really document what happened in order to make a clear picture for your insurance company. For those in the Collierville, TN area, the agents with Brock and Poole Insurance Agency can help.

After you document what happened you will need to contact your insurance agency in a timely manner. This means within days of the event so that the process can move along quickly. After contacting your agent you will be asked a series of questions so that they can build your record. They will also likely make an appointment for an adjuster to come to your home and document and evaluate what happened.

The adjuster will do a walk through and talk with you about the damage and about what possible fixes there are for what has happened. An adjuster is there to help determine how much it is going to cost the insurance company to fix the damage, they are also there to determine if the damage falls under your policy and if they can write a check to the appropriate people to get the damage fixed.

After your adjuster comes he or she will report back to your insurance agency and will tell them what they found. After this, the insurance company will decide what amount to award and how to pay out. Often, insurance agents will pay the workers directly or will give you a sum of money to have the repairs made. For those in the Collierville, TN area, the agents with Brock and Poole Insurance Agency can help.