Reasons to obtain a separate motorcycle insurance policy

Many people own both a standard automobile and a motorcycle. However, these vehicles are each required to have their own individual coverage and there are some important reasons why motorcycles need their own insurance policy. Businesses such as Brock and Poole Insurance Agency serve the Collierville, TN area with great coverage. 

Is motorcycle insurance necessary?

Tennessee like almost every other state in the country requires all motorcycles to be insured against liability, injuries, and property damage for several thousand dollars. Proof of insurance must also be presented to police during a traffic stop, otherwise, the driver can receive traffic citations or even criminal penalties if they do not have coverage.  As a practical matter, most motorcycle owners will not be able to afford the costs of medical expenses and other costs associated with the accident without the help of insurance coverage. 

How is this different from other auto insurance?

If you have a policy on a car, that policy only protects the specific vehicles listed from losses related to injuries and property damage. This policy does not carry over to a motorcycle as well and an insurance company needs to be contacted to ensure that the motorcycle is covered as well. Motorcycle riders also tend to be at higher risk of severe injuries after accidents due to the smaller size of the vehicle and lack of protections for the driver, so this is factored into policies for bikers as well. 

Get help from an agent and more information

To speak with an agent about getting motorcycle insurance in the Collierville, TN area, contact Brock and Poole Insurance Agency. They will provide advice and guidance about what type of coverage is right for you.  

What does renters insurance cover?

Most landlords in the Collierville, TN area will require tenants to carry a renters’ insurance policy. As a renter, it is essential to understand what is covered under the policy. If you have questions about your renters’ insurance policy, reach out to an agent at Brock and Poole Insurance Agency today. 

Personal Property

Many renters assume that their landlords’ policy will cover damages to personal property in the event something happens to the building; however, that is not the case. Renters need an individual policy to cover personal property. A landlord’s policy will cover damages such as drywall in the event that a pipe bursts; however, as a renter, you would be responsible for your personal property such as furniture, computers, and clothing. Renters insurance will also cover your personal property in the event it is stolen. 

Personal liability and medical bills

In the event a third party is injured in your home, a renters insurance policy can assist. It will cover the medical bills of the injured party as well as the costs of defending yourself in court in the event a third party sues you. 

Living costs 

In the event you are forced to leave your rental because it is uninhabitable due to a fire or other disaster, a renters’ insurance policy will help. The rental policy will help cover the costs of a hotel and food while you are displaced. 

There are some types of claims that a renters’ policy will not cover.

              High-value items: If you own expensive jewelry or art, you will need to add additional coverage to make sure they are covered in the event they are damaged. 

              Damage caused by pests: If mice, bugs, or vermin damage your property, it will not be covered under your rental policy. 

If you are interested in renters’ insurance policy, reach out to an agent at Brock and Poole Insurance Agency. We proudly serve the Collierville, TN area. 

Umbrella Insurance: Fact vs Fiction

Umbrella Ins Fact vs Fiction

If you’re confused about umbrella insurance, take heart. You’re not alone. Misconceptions about this coverage have kept many people in the dark as to what it really has to offer. By separating fact from fiction concerning umbrella coverage, Brock and Poole Insurance Agency in Collierville, TN can help you decide if umbrella insurance is for you.

Fiction: Umbrella insurance protects pricey personal items.

Many people have the misconception that umbrella insurance protects costly goods such as posh jewelry or original artwork. The truth is it provides extra liability coverage to protect you against lawsuits if you’re found at fault for causing an accident in your home, business or on the road. Umbrella coverage can help protect your assets if you’re sued for damages.

Fiction: Umbrella insurance is extremely costly.

The cost of umbrella coverage is extremely reasonable considering the amount of protection it provides. Coverage limits start at $1,000,000 and can be extended up to $10,000,000, depending on the protection you need. Umbrella coverage is designed to protect you against serious accidents you may cause. Although policy costs vary depending on your risks, on average, a $1,000,000 policy can be added to your home and auto coverage for less than $200 annually.

Fiction: Umbrella coverage is only for the wealthy.

You don’t have to be wealthy to be sued for damages. Lawsuits are more common than ever today and often involve the middle class along with upper-class families. If you have valuable assets such as a home, auto, boat or real estate property, you could benefit from the protection that umbrella insurance has to offer. Even your savings, retirement, inheritance and future wages can be at risk when it comes to a lawsuit.

For more information about umbrella policies and costs, contact Brock and Poole Insurance Agency in Collierville, TN.  

Understanding the Investment Characteristics of Life Insurance

There is a mistaken idea that goes something like “nobody likes to think about life insurance because you have to die for it to be worth anything.” That is fundamentally untrue. Many types of life insurance have investment characteristics and build up value over time, which may benefit the policyholder.

Here is a brief overview of some life insurance investment characteristics to consider. Talk to your agent at Brock and Poole Insurance Agency, serving Collierville, TN and the surrounding area, to learn more about the details that are the best solutions for your particular financial circumstances.

Cash Value

Whole life insurance has level premiums for a person’s life and is meant to be owned as permanent life insurance. Over time, as a person gets older, whole life insurance builds up cash value.

Borrowing against cash value gives policyholders access to tax-free money because this is a loan, not income. Since the funds are secured by the policy value, the cost of borrowing is usually very low. This can be helpful when someone goes through a financial challenge.

If a person lives long enough and pays premiums for whole life insurance for a long time, the policy may reach a paid-up status and not require any further premium payments.

Alternatively, the cash value might be used in a tax-free exchange to create a monthly annuity payment that the policyholder gets themselves for the rest of their life. No death is required for this benefit!

Dividends and Interest

Some policies pay an annual dividend that can either be received as income each year or used to pay premiums or build up more value in the insurance. Other policies may have a built-in interest payment amount that increases the value over time.

Market Indexed

Some universal life policies use an investment strategy based on a stock market index or other investments. These policies may create extra value if the underlying investment becomes worth more and some offer protection from any risk of losing value.


There are many choices of life insurance products to consider. Contact your agent at Brock and Poole Insurance Agency in Collierville, TN to find out more about how life insurance is an important part of long-term financial planning.


Protect your warehouse with comprehensive commercial insurance

Owning a business often requires holding multiple pieces of real estate, including warehouses and other storage facilities. If your warehouse is used for storage or production it’s vital that you have adequate commercial insurance. When you opt for a comprehensive commercial insurance policy, you will gain the protection you need to keep your business up and running. Company owners in the greater Collierville, TN area rely on the team at Brock and Poole Insurance Agency to provide the expertise and guidance necessary to fully insure their businesses.

Why you need a comprehensive policy for your warehouse

Warehouses house a lot of different inventory, merchandise, equipment, and means of production that are essential for the success of your business. If you have a covered event that damages or destroys the items contained with the structure, it can cause a significant challenge for the ongoing health of your company. With a comprehensive commercial policy, you can rest assured that you have the coverage you need.

From compensation for destroyed inventory to protection during a business interruption, there are many benefits that comprehensive commercial policies provide. You can gain a lot of peace of mind by knowing that your business can weather the storm because you have the right insurance in place to protect your warehouse and all of its contents. Don’t let your bottom line or even the long-term viability of your company suffer because you don’t have the coverage you need to help your business bounce back quickly.

Are you a business owner in the greater Collierville, TN area? The team at Brock and Poole Insurance Agency is here to help you navigate the sometimes confusing process of obtaining adequate commercial insurance to protect your interests. Call or stop by today to learn more!

What Does My RV Insurance Policy Say About Loaning My Vehicle To Others?

Collierville, TN residents love to go out and travel the country in their recreational vehicle. At Brock and Poole Insurance Agency we stress the importance of asking the right questions at the right times. The right time to ask this question is not the Friday before the Saturday you promised your bestie that he could take the RV out for his vacation week. Certain policies stipulate that the vehicle is only covered if it is operated by the owner of the policy. If you ask your agent the question before the lend they can help you structure your policy according to your generous nature. 

Park your RV right in front of our beautiful office in Collierville, TN. The agents of Brock and Poole Insurance Agency Work diligently to answer every question you may have about your insurance policy. The time to ask is way before you hit the open road. In addition to RV insurance, we assist our clients with home insurance and auto insurance.  Serving the great states of Tennessee and Mississippi we are experts at providing the exact right insurance you need to protect your home and auto. In light of the torrential tornado season that we experience in the late spring and early summer months, we specialize in making sure you have adequate protection for your recreational vehicle as well as your motor vehicle and most importantly your home. Specialized service is something that is lacking in the marketplace today. Let us reassure you we know this area of the country, and we know how to protect you. Call us today or stop in – again take the time to ask us before the situation occurs.


What Types of Boats Need Insurance?

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.

Essential Safety Tips for Motorcycle Riders

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.

Is Renter’s Insurance Beneficial?

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.  

Do Renters Need Personal Umbrella Insurance?

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.