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Brock and Poole Insurance Agency, Inc.

185 N Main St
Ste. 103
Collierville, TN 38017

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The Pros and Cons of Buying Life Insurance

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Life Insurance – To Buy or Not to Buy – That is the Question

We hear and see many advertisements about life insurance and why it is important to include it in our future plans. Both term and whole life insurance are options, but understanding the pros and cons of life insurance can help us make the right decision.

Term Life Insurance

One way to consider term insurance is as a short-term option for ensuring your beneficiaries will receive a payout if you pass away while the policy is in effect.

Term life insurance policies are for a specific period, which is typically between 10 and 30 years. During this time, the initial amount you pay for the premium remains the same, so there is no worry about continual premium rate increases.

The downside is that if you pass away after the term ends, your beneficiaries will not receive a payout. To avoid this, apply for a new policy. While this is a positive option for helping secure your beneficiaries’ future, premiums are more expensive because of your increased age.

Whole Life Insurance

As the name implies, whole life insurance provides life-long coverage. It is considered permanent with no rate increase. Part of your premium payment is set aside, so you are assured of a payout to your beneficiaries. Also, the money set aside serves as an asset you can access, if needed, during your lifetime.

The downside to whole life insurance is it is typically more expensive than term life policies.

Contact Us

Serving Collierville, TN residents, the Brock and Poole Insurance Agency agents can help you determine which life insurance is most beneficial for you. Contact us and let us help secure your future and your beneficiaries with the right life insurance policy.

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Three Reasons to Resurface Your Parking Lot

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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.

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Home Insurance for First-Time Buyers

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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.

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Usage-Based Insurance in Auto Insurance

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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.

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What Factors Should You Consider When Buying RV Insurance?

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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.

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20+ Years of Insurance Experience Trust the Experts

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Choosing the right insurance policy can be overwhelming. At Brock & Poole Insurance Agency, our experienced agents are here to help. With over 20 years of experience, we guide you with knowledge and expertise, ensuring you get the best coverage for your needs.

Why Experience Matters

Experience is crucial when selecting an insurance provider. Here’s why working with seasoned agents makes a difference:

• In-Depth Knowledge: Our agents have extensive knowledge of the insurance industry. They understand the complexities of different policies and can explain them in simple terms.

• Personalized Guidance: With years of experience, our agents can provide personalized advice tailored to your unique situation. They don’t just sell policies; they offer solutions that fit your needs.

• Claims Assistance: If you need to file a claim, our experienced agents can guide you through the process. They know how to navigate the system to ensure your claim is handled efficiently and fairly.

• Up-to-Date Information: The insurance industry is constantly changing. Our agents stay updated on the latest trends and regulations to provide you with the best advice.

Comprehensive Insurance Solutions

At Brock & Poole Insurance Agency, we offer a wide range of insurance options to meet your needs:

Home Insurance: Protect your home and belongings with comprehensive coverage.

Auto Insurance: Get the best rates and coverage for your vehicle.

Business Insurance: Safeguard your business with tailored insurance solutions.

Health Insurance: Ensure you have the coverage you need for medical expenses.

Life Insurance: Secure your family’s future with the right life insurance policy.

Why Choose Brock & Poole Insurance Agency?

Here’s why people in Tennessee trust us:

• Local Expertise: We are part of the Tennessee community and understand the specific needs of our local residents and businesses.

• Personal Service: We take the time to get to know you and your unique needs. Our team is always here to answer your questions.

• Comprehensive Protection: We offer a wide range of insurance options to ensure you have the coverage you need.

Call Us Today

Don’t wait! Call Brock & Poole Insurance Agency at 901-854-9775 to get your insurance quote today. Our friendly staff will help you find the best coverage for your needs. Visit our website at Brock & Poole Insurance Agency to learn more about our services and coverage options.

For more information on insurance in Tennessee, check out this helpful guide: Tennessee Insurance Guide. This guide provides more details on why having the right insurance is so important.

Trust the experts at Brock & Poole with over 20 years of experience. Call us today and ensure you have the best coverage for your needs!

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Secure Your Family’s Future with Life Insurance!

Posted on by Brock and Poole Insurance Agency

Life insurance is a crucial part of financial planning. It ensures that your loved ones are protected and financially secure in the event of your passing. At Brock & Poole Insurance Agency, we offer a range of life insurance options tailored to your needs. Here’s why life insurance is essential and how we can help you choose the right policy.

Why You Need Life Insurance

Life insurance provides a safety net for your family. Here are some key reasons why life insurance is important:

• Financial Security: Life insurance provides your family with financial support when you are no longer there to provide for them. It helps cover living expenses, mortgage payments, and other essential costs.

Debt Coverage: If you have debts such as a mortgage, car loan, or credit card debt, life insurance can help pay off these obligations, ensuring your family isn’t burdened with debt.

Education Expenses: Life insurance can help pay for your children’s education, ensuring they have the funds needed to attend college or university.

Funeral Costs: Funerals can be expensive. Life insurance can help cover these costs, easing the financial burden on your family during a difficult time.

Peace of Mind: Knowing that your family is protected provides peace of mind. You can live your life knowing that, if anything happens to you, your loved ones will be taken care of.

Types of Life Insurance We Offer

At Brock & Poole Insurance Agency, we offer various life insurance options to meet your needs:

• Term Life Insurance: Provides coverage for a specific period, such as 10, 20, or 30 years. It’s an affordable option that provides a death benefit if you pass away during the term.

• Whole Life Insurance: Offers lifelong coverage with a savings component. It builds cash value over time, which you can borrow against or withdraw.

• Universal Life Insurance: Provides flexible premiums and death benefits. It combines the benefits of term and whole life insurance, offering a savings element with the flexibility to adjust your policy as needed.

Why Choose Brock & Poole Insurance Agency?

Here’s why people in Tennessee trust us:

• Local Expertise: We are part of the Tennessee community and understand the specific needs of our local residents and businesses.

• Personal Service: We take the time to get to know you and your unique needs. Our team is always here to answer your questions.

• Comprehensive Protection: We offer a wide range of life insurance options to ensure you have the coverage you need.

Call Us Today

Don’t wait! Call Brock & Poole Insurance Agency at 901-854-9775 to get your life insurance quote today. Our friendly staff will help you find the best coverage for your needs. Visit our website at Brock & Poole Insurance Agency to learn more about our services and coverage options.

For more information on life insurance in Tennessee, check out this helpful guide: Tennessee Life Insurance Guide. This guide provides more details on why having the right life insurance is so important.

Protect your family’s future with the best life insurance from Brock & Poole. Call us today and ensure your loved ones are secure and supported!

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Free Insurance Quote with Ease!

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At Brock & Poole Insurance Agency, we believe in providing the best service to our community. That’s why we offer free insurance quotes with no strings attached. Our goal is to make sure you have the right coverage and aren’t missing anything important. Here’s what you can expect from our easy and hassle-free quoting process.

Why Get a Free Insurance Quote?

Getting an insurance quote helps you understand your current coverage and see if there are any gaps. It can also help you find better rates and save money. At Brock & Poole Insurance Agency, we offer this service for free because we want you to have the best protection possible.

The Easy Quoting Process

1. Contact Us: Call us at 901-854-9775 or visit our website at Brock & Poole Insurance Agency to request a free quote. Our friendly staff is ready to help you.

2. Provide Information: We will ask you for some basic information about your home, car, or business. This helps us understand your needs and find the best coverage options for you.

3. Review Current Coverage: If you already have insurance, we will review your current policy. We look for any gaps or areas where you might be overpaying. Our goal is to ensure you have the right amount of coverage.

4. Get Your Quote: We will provide you with a detailed quote that outlines your coverage options and costs. We explain everything clearly, so you understand what you’re getting.

5. No Strings Attached: There is no obligation to buy. We provide the quote for free because we want you to make an informed decision. If you decide to switch to Brock & Poole, we will handle all the details for you.

Why Choose Brock & Poole Insurance Agency?

Here’s why people in Tennessee trust us:

• Local Expertise: We are part of the Tennessee community and understand the specific needs of our local residents and businesses.

• Personal Service: We take the time to get to know you and your unique needs. Our team is always here to answer your questions.

• Comprehensive Protection: We offer a wide range of insurance options to ensure you have the coverage you need.

Call Us Today

Don’t wait! Call Brock & Poole Insurance Agency at 901-854-9775 to get your free insurance quote today. Our friendly staff is ready to help you find the best coverage for your needs. Visit our website at Brock & Poole Insurance Agency to learn more about our services and coverage options.

For more information on insurance in Tennessee, check out this helpful guide: Tennessee Insurance Guide. This guide provides more details on why having the right insurance is so important.

Get peace of mind with a free insurance quote from Brock & Poole. Call us today and make sure you have the right coverage!

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Big Savings on Home Insurance – Happy Savings with Brock & Poole!

Posted on by Brock and Poole Insurance Agency

Your home is one of your biggest investments. It is important to protect it with the right homeowners insurance. At Brock & Poole Insurance Agency, we offer comprehensive coverage to keep your home safe. Follow these tips to make sure you have the best homeowners insurance.

Know What You Need

First, know what you need from your homeowners insurance. Make a list of your home’s features and belongings. This helps you decide how much coverage you need.

Compare Policies

Different insurance companies offer different policies. Compare coverage options and prices from many providers. Brock & Poole Insurance Agency can help you compare policies to find the best fit.

Look for Discounts

Many insurance companies offer discounts that can lower your premium. You might get discounts if you have safety features in your home, like smoke detectors or a security system. Ask about any discounts to save money on your policy.

Think About Replacement Cost Coverage

Make sure your policy covers the replacement cost of your home and belongings, not just the actual cash value. Replacement cost coverage pays to rebuild your home or replace your belongings at current prices, which can be much higher than their old value.

Bundle Your Policies

Bundling your homeowners insurance with other policies, like auto insurance, can save you money. Many insurance companies offer discounts if you have multiple policies with them. Brock & Poole Insurance Agency offers bundling options to help you save.

Review Your Policy Every Year

Your needs can change over time. Policies need to be reviewed every year allowing you to make sure your coverage still fits your families current situation. Adjust your policy as needed to stay fully protected.

Choose a Reliable Insurance Provider

Pick an insurance provider you trust. Brock & Poole Insurance Agency has a strong reputation for excellent service and satisfied customers. We are here to help you every step of the way.

Call Brock & Poole Insurance Agency

Don’t wait! Call Brock & Poole Insurance Agency at 901-854-9775 to get your homeowners insurance quote today. Our friendly staff will help you find the best coverage for your needs. Visit our website at Brock & Poole Insurance Agency to learn more about our services and coverage options.

For more information on homeowners insurance in Tennessee, check out this helpful guide: Tennessee Homeowners Insurance Guide. This guide provides more details on why having the right homeowners insurance is so important.

Protect your home with the best homeowners insurance from Brock & Poole. Call us today and make sure your home and belongings are safe and secure!

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Slash Your Costs on Insurance Tennessee– Easy Happy Savings!

Posted on by Brock and Poole Insurance Agency

Everyone loves saving money, especially on auto insurance. At Brock & Poole Insurance Agency, we want to help you get the best coverage at the best price. Follow these tips to save on your auto insurance.

Shop Around for the Best Rates

Different insurance companies offer different rates. By shopping around, you can find the best deal. Compare quotes from multiple companies to see who offers the best rates. Brock & Poole Insurance Agency can help you compare and find the best options.

Ask About Discounts

Insurance companies often offer discounts. You might qualify for discounts if you have a good driving record, take a defensive driving course, or install safety features in your car. Ask your insurance provider about any discounts you can get. Brock & Poole Insurance Agency can help you find all the discounts available to you.

Bundle Your Policies

Many insurance companies offer discounts if you bundle multiple policies. For example, if you get your auto and home insurance from the same company, you might get a lower rate. Bundling can save you a lot of money. Brock & Poole Insurance Agency offers various bundling options to help you save.

Increase Your Deductible

Your deductible is the amount you pay out of pocket before your insurance kicks in. By increasing your deductible, you can lower your monthly premium. Make sure you choose a deductible that you can afford in case you need to make a claim.

Maintain a Good Credit Score

Your credit score can affect your insurance rates. Insurance companies often offer better rates to people with good credit. Pay your bills on time and keep your credit card balances low to maintain a good credit score.

Drive Safely

Safe driving can save you money. Avoid accidents and traffic violations to keep your driving record clean. Many insurance companies offer safe driver discounts. Brock & Poole Insurance Agency can help you understand how safe driving can lower your rates.

Review Your Coverage

Make sure you have the right amount of coverage. Sometimes, you might have more coverage than you need. Review your policy regularly to make sure it fits your current needs. Adjusting your coverage can help you save money.

Call Brock & Poole Insurance Agency

Don’t wait! Call Brock & Poole Insurance Agency at 901-854-9775 to get your auto insurance quote today. Our friendly staff will help you find the best coverage for your needs. Visit our website at Brock & Poole Insurance Agency to learn more about our services and coverage options.

For more information on auto insurance in Tennessee, check out this helpful guide: Tennessee Auto Insurance Guide. This guide provides more details on why having the right auto insurance is so important.

By following these tips, you can save money on your auto insurance. Brock & Poole Insurance Agency is here to help you get the best rates and coverage. Call us today and start saving!

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