Does renter’s insurance cover pet damage to an apartment?

Renting a home is a great option to avoid the burden of a long-term mortgage. However, you still need to protect your property from accidental damage or theft. Brock and Poole Insurance Agency in Collierville, TN, have many terrific renter’s insurance policies you can choose from to protect yourself from the financial burden caused by damage to your property in an apartment or a rented house. But not everything will be covered by renter’s insurance. If you share your home with a pet, make sure you understand what is covered by the policy.

Pets are great companions and provide many hours of pleasure. However, pets can also be destructive. You may have to deal with chewed-up rugs, furniture, or shoes, which may cost a pretty penny to replace. Not to mention if your fur baby bites someone inside your home, you may be looking at having to pay that person’s medical bills. Your renter’s policy most probably will not cover any damage to the property in your home caused by pets. Not even if it is your roommate’s property that is damaged. However, if your dog chews up your neighbor’s carpet that was stored in your apartment for some time or bites someone inside your home, you will be covered under the personal liability part of the policy.

There are, however, some exceptions to the liability coverage. Some insurers may carry certain exclusions to the costs related to legal liability if your dog is deemed an aggressive breed or if you have an exotic pet like a monkey or a snake. They may be excluded from your coverage.  

Brock and Poole Insurance Agency in Collierville, TN, can help you choose a policy that provides sufficient coverage for your needs.

What are the benefits of having umbrella insurance in Tennessee?

In the Collierville, TN area, there are many forms of insurance that will be needed to keep a person properly protected. An important form of insurance coverage to get in this area is umbrella insurance. With an umbrella insurance policy, you are going to have some additional personal liability coverage. This insurance plan will offer a range of benefits. 

Insurance Covers Against Larger Risks

One of the advantages that comes with an umbrella insurance policy is that you will get coverage to offset larger risks. Anyone that ends up getting into an auto accident or has a liability claim on their home policy will have coverage up to the policy limit. However, there is a chance that a claim could exceed this limit. If this is the case, your umbrella insurance policy would give coverage once your other policy is exhausted.

Coverage For Wider Range of Risks

You are also going to enjoy umbrella insurance because it will offer coverage for a wider set of risks. Most people are going to have standard home and auto policies that can cover some more common risks. However, people should be aware that there are other liability claim risks that are outside of the standard covered policies. With an umbrella insurance policy, the blanket coverage will give peace of mind that your risks will be covered.

As you are looking to improve your personal insurance plan, including umbrella insurance is a good idea for anyone in the Collierville, TN area. If you are looking for an umbrella insurance policy here, it would be wise to call Brock and Poole Insurance Agency. The professionals with Brock and Poole Insurance Agency understands the need to have this coverage. They can help you by giving you the guidance needed to choose a quality plan. 

Does Motorcycle Insurance Cover Theft?

If you’re a motorcycle owner in Collierville, TN, you might spend a lot of time enjoying the freedom that lies just outside your front door. But as great as owning a bike can be, you also have to worry about the inherent risks that come with it. Brock and Poole Insurance Agency wants you to have all the facts if you want to protect your bike from theft. 

Covering Your Bases 

The lightness of a bike just makes a motorcycle so much more attractive than a larger vehicle. If a motorcycle is parked in a relatively out of the way place, the theft process can be quick and easy, giving thieves a relatively straightforward way to either resell or strip the bike for parts. You can get motorcycle insurance to cover theft, but to do so, you’ll need to opt for more than just a general liability policy. 

Why Go the Extra Mile?

You can certainly opt for a number of theft-prevention strategies in Collierville, TN, but the truth is that you can’t eliminate the odds entirely. Adding theft coverage to your motorcycle insurance policy is a way to keep your investment from being whisked away. This might include taking out a comprehensive policy, one that can protect you from a number of other threats, including natural disasters and accidental animal collisions.

If you have questions about whether or not your motorcycle insurance provides enough relief, call Brock and Poole Insurance Agency. We’re here to serve your community however we can, including giving you the options you need to feel confident on the road. Motorcycles are objectively more dangerous than vehicles, if only because they lack four-sided protection.  Contact us today to see what we can do to help you and your vehicle stay safe out there. 

Why should I get renters insurance in Tennessee?

When moving to the Collierville, TN area, renting a home can be a great option. Those that are renters here typically do not have the same responsibilities and will also be able to enjoy the flexibility that comes with not owning a home and having a long-term mortgage. If you do choose to purchase a home here, you do need to get the right insurance. There are several reasons that you should get a renters insurance policy when you are here. 

Insurance Gives Important Coverage

One reason that you need to get renters insurance when you are here is that it will give you very valuable coverage and protection. When you get renters insurance, the policy will offer you liability protection and can protect all of your personal assets. If you ever experience a loss or are named a responsible party in a liability claim, the renter’s insurance policy could save you considerably.

Insurance is a Lease Requirement Often

When moving into any new home in this area of Tennessee, you also need to review your lease to make sure that you comply as well as possible. One part to pay attention to is the section that discusses insurance requirements. Most of the time, the landlord will require that you maintain a full renters insurance policy during the lease term. 

In the Collierville, TN area, all people that are going to rent a home should spend time thinking about their insurance needs. When you are looking for your next renter’s insurance policy, you should reach out to the team at Brock and Poole Insurance Agency. Picking the right policy can be complicated and confusing. The insurance team at Brock and Poole Insurance Agency can help by assessing your situation and building you an appropriate policy. 

How can an umbrella policy protect me in Collierville?

In the Collierville, TN area, it continues to be very important for all people to spend time carefully considering their personal liability risks and insurance needs. One form of insurance that people in the Collierville area should consider getting is umbrella insurance coverage. When you get this type of insurance coverage, it could end up protecting you in a variety of different ways. 

Coverage for More Scenarios

One of the advantages of getting umbrella insurance is that it can provide you with coverage for more scenarios. Life is full of unexpected situations, some of which could result in accidents that you are deemed liable for. Unfortunately, these will not all be covered by a home or auto policy. Fortunately, you can provide yourself with peace of mind and ore coverage if you get an umbrella policy.

More Coverage

An umbrella insurance policy can be a good idea because it could provide you with more coverage on top of your base policies. If you have a home or auto policy, there is always a chance you could be at fault for an accident that has damages that exceeds your policy limits. With umbrella protection, you will get coverage on top of these base policies. 

There are several ways that a quality umbrella insurance policy can protect someone in the Collierville, TN area. If you are looking for a new insurance policy in this area to ensure you have proper personal liability coverage, you should reach out to the team at the Brock and Poole Insurance Agency. When you call the Brock and Poole Insurance Agency and discuss your personal liability insurance needs, you can be assured that you will be in great hands. The team will be able to assess your situation and personal risks to ensure you are properly covered at all times. 

How does life insurance work?

Death and taxes are commonly considered the only definite aspects of life. It is best to be prepared for both. Taxes in Collierville, TN are sometimes unpredictable. You can, however, ensure that your family is ready for the inevitable by purchasing a life insurance plan from Brock and Poole Insurance Agency. 

What is life insurance?

Life insurance is an indemnity plan that financially secures your final expenses and, depending on your policy, other costs related to the continued stability of your family unit. Many individuals who serve as the breadwinners of their homes purchase enough life insurance to fully support those they leave behind in the event of death. 

How are premiums calculated?

Most insurance companies in Collierville, TN calculate life insurance premiums by considering the applicant’s age and health. Some companies also use annual salary to determine the risks associated with insuring a candidate and adjust monthly payments accordingly. 

Those in good health who apply for coverage before the age of 45 may enjoy the benefits of lower premiums. Even those with good health, though, may find themselves paying more for coverage if there are chronic illnesses present in the family’s history. 

What are the different types of life insurance?

There are essentially three types of life insurance policies available for consumers:

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance

Term life insurance is often the cheapest option because of its limited benefits. Policyholders cannot borrow against the equity of their policy with a term life insurance plan. You are, however, guaranteed coverage if you pass away within the term of your plan. 

Whole and universal life insurance policies offer fringe benefits that policyholders can enjoy while living. In fact, whole coverage is often valued above its term and universal alternatives because of its ability to accrue interest with every monthly payment. Policyholders can borrow against this interest for vacations or emergency expenses while maintaining the benefit of whole life insurance that pays for final expenses upon their passing. 

Life insurance is anything but an option. You need an indemnity plan that helps your family maintain financial stability when you are gone. Call the agents at Brock and Poole Insurance Agency today to find the right life insurance policy.

Questions To Ask Yourself Before Buying Commercial Insurance

Whether you have been running a business in Collierville, TN for a while or you are opening up a new company and you are looking for commercial insurance, there are certain questions you need to ask yourself. Asking and answering these questions will help you not to make a mistake and get the right policy: 

1. What business risks do I face?

Analyze your business activities, employees, resources you can rely on, customers, and then think about everything that can go wrong. Think about what you can be liable for, things you cannot operate your business without, and the assets you want and need to protect. 

2. What type of commercial insurance do I need? 

There are several types of commercial insurance available. They are Public Liability Insurance (coverage against the legal costs for claims of property damage or injuries), Professional Indemnity Insurance (protection of businesses providing professional service or specialist advice), standard business insurance (damage losses to a business due to an unexpected event), cyber liability insurance (protection against data breaches), Management Liability Insurance (protection against mismanagement, legislative breaches, and misconduct), Tax Audit Insurance (professional fee coverage for accountants and bookkeepers), and Personal Accident and Illness Insurance (loss of income coverage due to illness). 

3. How much coverage do I need? 

Since every business is unique, there is no fixed answer to this question. However, the most important thing to remember is that you should at least comply with the minimum legal requirements of the state of Tennessee. 

If you have answered all these questions and you are ready to purchase commercial insurance, Brock and Poole Insurance Agency serving Collierville, TN will able to assist you in getting needed assistance. Do not hesitate to call Brock and Poole Insurance Agency and speak with one of our experienced agents. 

RV Insurance FAQs

What is RV Insurance?

RV insurance is basically auto insurance for your recreational vehicle. There are several coverage options to choose from according to your specific RV, if it is your full-time residence, if you use it for road trips, and much more.

RV Insurance Coverage Options

You can get similar coverage for your RV as you can for a standard automobile with a couple of distinct differences. Some coverage to choose from includes:

  • Comprehensive, collision, and liability insurance
  • Uninsured and underinsured motorists
  • Roadside assistance, including towing
  • Total replacement coverage
  • Emergency expense coverage
  • Vacation and campsite coverage
  • Full coverage if you live in your RV full time

Here at Brock and Poole Insurance Agency, we take the time to discuss your specific RV coverage needs and help you choose the best coverage options for your life and your vehicle.

What Types of RVs Are Insured?

There are three classes of RV insurance:

Class A– Covers luxury models up to 75 feet, such as coach buses

Class B– Covers smaller models, such as camper vans, trailers, and even cargo vans- those without a cab over

Class CCovers RV models that have a camper portion that extends over the driving portion, and typically has living, kitchen, and bathroom quarters

Is RV Insurance Required?

RV owners in Collierville, TN are required to carry the minimum liability coverage on your RV any time it is on the road. Liability only deals with damages you cause, though. You should always consider additional coverage options to protect yourself and your RV in the case of damages you cannot pay for out of pocket.

Stop by or give us a call at Brock and Poole Insurance Agency of Collierville, TN for all of your insurance coverage needs!

Do I still need boat insurance for non- motor powered boat?

Boats come in varying sizes, designs, and prices, especially in Collierville, TN where the majority of the population participate actively in water activities. Whether you are looking to buy a boat with a motor or not, having some form of protection is critical. It will give you some peace of mind as you go about your water activities. If you already have a boat, you can help keep it covered by buying boat insurance. So, do you need boat insurance for your non-motor-powered boat?

Boat insurance: Do I need it?

Boat insurance is designed to cover large boats that are motorized. If you own a kayak, canoe, or paddleboat, you may want to buy insurance for non-motored boats. Not all insurance providers offer this; a little research will be necessary to help you get the best out of this specialized type of insurance. You can also seek guidance from Brock and Poole Insurance Agency.

Boat insurance for small boats

A standard home insurance policy can also cover some small boats. However, the coverage is limited and may not be adequate to cover the most critical perils. While boat insurance is not a requirement in most states, there are instances where you may need to carry insurance even if your boat does not come with an engine. For example, if you did not finance the boat yourself, your lender may need some form of insurance to help compensate them in case of damage.

How are you using your boat?

The kind of activities you engage in also play a critical role in determining whether you should buy insurance or not. For instance, if you are involved in extreme water activities where your life is often in danger; you may need to get full coverage to protect you and your boat.

Are you looking to buy boat insurance? Brock and Poole Insurance Agency can help you get the most out of your coverage. Feel free to visit us at Collierville, TN today!

3 Things You May Not Know About Motorcycle Insurance

When you first take out your motorcycle insurance, you may agree to a number of terms and conditions that are a surprise to you when it comes time to file a claim. For those who want to protect themselves in Collierville, TN, here are a few uncommon facts about this type of policy that you may not realize. 

Passenger Liability Clauses 

Some people love the solitude of a motorcycle, especially if they want to take long drives without anyone else’s input. But others like to give family and friends a ride whenever they can. Sometimes the excitement is even more thrilling when someone else shares in it too. But your insurance policy may not cover passengers in the case of an accident, so you need to be careful before you let anyone else hop on. 

There Are Limits on Your Policy 

When it comes to overall liability, there are limits as to how much insurance will pay. So if you happen to have a particularly complicated filed lawsuit against you for an accident, you have to be certain you have enough liability protection to cover your defense. Make sure you know that limits on your coverage and are comfortable with them before anything happens. 

Your Carrier Matters 

Brock and Poole Insurance Agency knows what it is to help motorcycle drivers find the right motorcycle insurance. If you live in Collierville, TN, you owe it to yourself to find a company that will do more than the bare minimum when you need to make heads or tails of your coverage. Whether you’re hopping for a quote or just want to ask a few questions about your policy terms, contact Brock and Poole Insurance Agency for more information today.