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Brock and Poole Insurance Agency, Inc.

185 N Main St
Ste. 103
Collierville, TN 38017

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Insurance Blog

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.

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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.

 

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Packing a Family: Tips to Ease the Stress

The stress that comes with the process of buying and selling a home is stress enough but then comes the added pressure of packing a home, especially if you have a family with children. However, with a few tips, in place, packing can be a breeze.

Develop a Plan
Plan ahead and make a list of rooms and items in the home that can be packed first and will not be needed for everyday use.  Wait to pack toys and items in the children’s room until last as this is what will help keep them busy as you pack items in the rooms.

Allow Time for Packing
Once you have a plan in place as to how you plan to pack each room, you can then figure out how much time you will need based on the quantity of items and type of packaging those items will need. Each day, have the children watch a movie or do an activity which will allow for you to have a chunk of time to pack.  

Let the children help
Have older children pack their own items and decide what items or clothing they no longer want.  If they are having a hard time making decisions, give them a limit of how many items, such as 5 large or 10 small items, they must decide to donate or give away.

When moving, home insurance needs can change based on the type of home, size, and area that you are moving to.  In order to ensure that you have the best  type of coverage for your needs, contact Brock and Poole Insurance Agency today to see the services we offer or to compare quotes.

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