In Collierville TN, Does Commercial Insurance Include Damage to Vehicles on the Property?

Brock and Poole Insurance Agency offers commercial insurance policies to local businesses in the Collierville, TN area. Commercial insurance policies are available that cover weather damage, liability, Worker’s Compensation and a variety of other events that can lead to devastatingly hard times for a business owner. Being financially secure is essential if any business is going to be a success. One of the biggest concerns for any business is damage to third party vehicles while they are on company property. Having the right type of coverage will help business owners protect themselves if an accident occurs.

In most cases, if a vehicle is hit by another car or a shopping cart while parked in the parking lot of a business, their auto insurance will pick up the cost of the damage. If a vehicle is in a company lot and is damaged by a company vehicle or a falling object or other types of debris, the company’s insurance may be responsible. While each situation is different, the company’s liability policy will pay for damages that the company itself is responsible for. Keeping the property clean and free of debris as well as properly maintaining the building will help to protect against this type of damage.

Business owners who live in the Collierville, TN area can call the licensed agents at Brock and Poole Insurance Agency if they have any questions as to what their current commercial policy covers. It is important to review your policy every few years to ensure you have sufficient coverage for both liability and property damage. If an accident does occur on company property, notify your insurance agent immediately so they can take charge of the matter. 

Proof of Insurance Requirements for Tennessee Drivers

If you drive in the state of Tennessee, you must have a minimum amount of auto insurance, and you need to provide proof that you have a policy in place. You need to at least have liability coverage to be legally insured, but there are other options available if you want to pay for additional coverage.

State Minimum Auto Insurance Requirements

If you’re a resident of Tennessee, then you must have a minimum amount of liability insurance that will pay for any injury-related costs. These include:

•    At least $25,000 for every injury or death during an accident
•    At least $50,000 for all injuries or deaths that have resulted from an accident
•    At least $15,000 in property damage coverage for every accident

There are additional coverage options available, so it may be advisable to pay the extra cost to be protected against any additional liabilities. Be sure to talk to someone at Brock and Poole Insurance Agency in Collierville, TN to find out what sort of options you have available. We would be happy to discuss your auto insurance needs, and we can find a plan that will meet your needs and fit your budget.

Providing Proof of Insurance in the State of Tennessee

Aside from having an active insurance policy that meets state required standards, you must have proof that you have a policy in place, and you must present it to a law enforcement if you’ve been pulled over. You must also provide it if you’ve been involved in an accident that you’re required to report. According to the state of Tennessee, the following documents are considered to be valid proofs of insurance:

•    Insurance ID card
•    Insurance binder
•    Policy declaration page

If you aren’t sure about what you need to provide proof of insurance according to Tennessee State Law, then you need to talk to an agent at Brock and Poole Insurance Agency. We’ve provided for the insurance needs to Collierville, TN for a long time, and we can answer any questions that you may have about your auto insurance policy.

Is It Time to Update Your Home Insurance Policy?

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.

Get Your Car Ready For Spring and Summer!

Winter is over. We’re onto spring and summer. It’s time to trade out your jacket for a t-shirt. You need to prepare for warmer weather, and your car does too, but how? What can you do? Here are a few ways to get your car ready for rain, storms, and extreme heat: 

  • Rotate your tires
  • Replace your tires, if needed
  • Replace your air filter 
  • Make sure your wiper blades are ready for rain
  •  Check your air conditioner
  • Review your auto insurance coverage

You’ve probably heard of most, but not all of these before. The last one seems to slip many car owners’ minds. Spring is the perfect time to review your auto insurance coverage. Thunderstorms, hail, and rain are around the corner. You want to be covered if you’re caught out in the open. When you’re looking for insurance in Collierville, TN, look no further than Brock and Poole Insurance Agency. 

Brock and Poole Insurance Agency is based in Tennessee and serves Tennessee and Mississippi. They’re an independent insurance agency that sells several lines of insurance at competitive, affordable prices. The agency is a reputable member of Trusted Choice, an online marketing service that helps customers and insurance agents find one another. Their agents pride themselves on their customer service. They’ll be by your side from start to finish, and they’re independent, not captive agents. This means they can work with several insurance companies at once. When you want a new insurance company, you don’t have to find a new agent. 

Brock and Poole will help you find the right coverage for the right price. When residents of Collierville, TN need auto insurance, they turn to Brock and Poole. You should too. Give them a call and get your quote today!

When to Get More Coverage: How Home Insurance Protects the People of Collierville

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. 

How to File a Home Insurance Claim

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.  

4 Winter Tips for Insured Drivers

Winter weather can present a challenging set of obstacles for any driver, even one with years of experience.   From colder temperatures, snow, icy conditions, and poor visibility, driving can be dangerous.  If you are an insured driver near Collierville, TN, follow these four winter tips to make your winter drives safer. 

Winterize your car 

Winterize your car by:

  • Getting a tune up: having your mechanic check your car can help to prevent break downs by ensuring that your car is in working order. 
  • Checking your battery, heater, tires, and defroster 
  • Keeping your windshield washer fluid and gas tank filled 

Stock your car with the proper winter gear

  • Shovel: Handy to dig your tires out if you get stuck in snow
  • Snow brush 
  • Extra gloves and hats 
  • Blankets, bottled water in case you are stranded at any time

Roadside Assistance 

Icy conditions can be unexpected and cause unavoidable sliding.  As such, slides offs are common during winter, and roadside assistance can be very useful. Avoid the added stress of big towing bills by adding roadside assistance coverage onto your auto policy.

Review your insurance coverage 

Because of the added risks, winter is an important time to review your current auto insurance policy.

  • Consider speaking with your insurance agent to determine your level of risk during each season. Winter storms and weather-related accidents can cause damages that make you question what exactly your policy covers. Comprehensive coverage may protect you against damage caused by a winter storm while collision coverage may protect you against physical damage (i.e.. a dented bumper from sliding on an ice patch).  After speaking with your agent, you may decide to  increase your coverage by adding comprehensive or collision coverage.  

Don’t get caught this winter without the level of auto insurance coverage you need. Instead, speak with an agent serving the Collierville, TN area to find out what options you to safest on the road.

Common Mistakes When Purchasing Home Insurance

Buying home insurance is an important way of keeping a home safe from damage, but many Collierville, TN residents don’t fully understand the buying process. That’s why we’re here to point out some common mistakes and why they should be avoided when buying home insurance.

Focusing Only On The Policy Cost

Trying to save money on policies by getting the cheapest possible one is a major mistake. Why? It often leaves you with inadequate coverage that may leave your home at serious risk. For example, if you fail to buy a “valuables insurance” coverage option, your collection of rare comic books will not be covered if they are destroyed in a fire.

Ignoring Flood Insurance

On that same note are the problems that occur if you ignore flood insurance. Floods in Tennessee are common due to the heavy rains in spring and fall, making it necessary to invest in this important additional coverage. Even if you’re in a low-risk area, a full 25 percent of all flood claims come from areas considered to be at a “low risk” for flood damage.

Failing To Check For Policy Updates

People who purchase home insurance need to ensure they have followed the latest policy updates. For example, people who buy a policy and then add a major change to their home, such as a pool or a second story, need to update their policy to cover these new additions to their home.

Making “Renters Insurance” Mistakes

If you rent out a home, its inhabitants need to get their own renters insurance to cover their belongings. Your policy will only cover your personal items in the home, as well as the home. This is a serious mistake because it can leave your renters in a precarious situation and may even lead to angry and financially devastating lawsuits.

Finding The Best Policy For Your Needs

Collierville, TN residents that want to avoid these simple mistakes should turn to Brock and Poole Insurance Agency. They offer a variety of great coverage options that can make your home insurance situation that much easier to manage.

Preparing for the Autumn in Collierville, TN

If you live in Collierville, TN, there are many things that you should keep in mind in terms of home insurance. In the state of Tennessee, the seasonal changes are not too extreme. However, you should still make sure that you prepare for the seasonal changes that do occur and prepare for the autumn and impending winter.

There are many things that you should do to prepare for the cooler weather that is coming. Your house will be under more stress because of the weather, as well as the consequences of that weather. You should make sure to clean out any leaves and other debris from the gutters, so that the gutters are not clogged. If they are clogged, this could cause damage to your water drainage systems, costing you money that is not going to be covered by your policy. You should also make sure that water pipes in areas that are exposed to cold temperatures are insulated, as any damage to these pipes will not be covered by your home insurance policy if they can show that you did not make an effort to keep your home adequately heated. You should also have sandbags that are ready in the event of a flood. Unless you have flood insurance, a flood will not be covered. Home insurance policies do not generally cover flooding. There are several more things that you should keep in mind, and you should look to your home insurance policy for a comprehensive idea.

If you want to make sure that you have all the information you need about home insurance as it applies to the autumn season in Collierville, TN, you should feel free to contact Brock & Poole Insurance Agency, Inc. The agents at Brock & Poole Insurance Agency, Inc. have the expertise to be able to give you any information you would want and answer your questions about home insurance in the state of Tennessee.

The Benefits Of Getting Your Home Ready For The Fall

If you don’t want to be bothered with a fall home checklist in Tennessee, you may want to rethink things. There are many benefits to spending some extra time in and around your home to get ready for the cooler weather.

Avoid a Fire

You can practice fire safety with a home checklist. This includes having the chimney cleaned, checking the smoke detectors for new batteries, and much more. This way, if there ever is a fire, you can be sure that the detectors will alert you and your family.

General Home Maintenance

A lot of what you do is good home maintenance. It will help you to keep your home running in tip top shape so you don’t have to worry about high replacement costs of anything. This includes cleaning the gutters so you don’t have to deal with rust and corrosion. It’s also important to make sure your roof is inspected so you don’t have problems with it once more leaves start to fall, and soon, snow.

Enjoy Peace of Mind

You want to know that all in your home is prepared to work through the fall and winter months. It’s why you want an HVAC technician to come and check out your central heat. It’s also why you should turn off your irrigation system to avoid frozen pipes in the deep of winter.

In the end, the fall checklist is designed to ensure you have less to worry about. You don’t want to wait until there’s a problem. Much of what you do can help you to get problems fixed before they become an issue.

Contact Brock and Poole Insurance Agency today to learn more about how to obtain quality home insurance to protect your home in the fall and the rest of the year.