What questions should you ask about a new home insurance policy?

Posted on October 31, 2016October 25, 2016 by agentinsure

One of the most important things for home owners in Memphis, TN to know is that their home is protected in the event of anything bad happening.Whether your home is destroyed by a storm, fire, or robbed int he middle of the night, the agents at Keltner Insurance know how to find a policy that will protect you. If you’re looking for a new home owner’s policy, make sure you consider these questions before you commit.

Do I have enough coverage? Remember that after a major disaster, the costs to rebuild and replace your possessions will increase. In subdivisions, rebuilding often costs more than the house originally cost to build, thanks largely to the expense of hiring separate contractors for every job. Make sure you have enough coverage to get back on your feet.
What other expenses are covered? Besides the cost of rebuilding, does your policy cover the costs of temporary housing? What about the cost to remove debris? Make sure your policy will cover all of your recovery expenses.
Do you need replacement cost insurance? Some policies will only give you he market value of the items you need to replace. Finding used replacement items, however, can be hard to do after a disaster. If you don’t have enough money in savings to make up the difference and buy new clothes, appliances, and more, then consider buying replacement coverage. This rider will provide funds to replace everything inside the home that was lost.

If you’re thinking about buying a new home insurance policy, or if you just want to see if you can save money on your existing policy, call the agents at Keltner Insurance. They have years of experience helping Memphis, TN residents find the policies that are right for them and their budget

Memphis, TN Autumns and What They Mean for Home Insurance

Posted on September 15, 2016October 25, 2016 by agentinsure

If you live in Memphis, TN, you probably do not have to deal with the harsh temperature changes that many of your neighbors up north experience every year. However, there are seasonal changes that could potentially affect your home and home insurance, and it would certainly behoove you to be aware of them. As such, it would be very helpful to go through your home insurance policy this time of year, as it will remind you of things you should pay attention to in order to avoid uninsured damages.

You will want to make sure that you get rid of any dead vegetation on your property. It could increase the risk of fires if the weather is dry, and it could clog up the gutters and cause water backup issues in your drainage systems if the weather is rainy. Also, insects and animals are going to be seeking refuge from the cold in indoor spaces, which could include your home. You should keep this in mind and do what you can to keep the pests out of your home. You should also make sure that you are prepared for the winter and that the heating systems are efficient; if they are not, you could end up wasting a great deal of money. You should also make sure that the home is well insulated and that the windows and doors are sealed well, so that heat does not escape. Make sure that your pipes are in good working order as well, so that the damage itself doesn’t cause you money, and you do not lose heat that way.

If you want to know about what the autumns of Memphis, TN mean to you in terms of home insurance, you should feel free to contact the professionals at Keltner Insurance for all of the information you need. The agents at Keltner Insurance will be willing to answer any questions you may have and give you all of the help you need.

Tips To Make Packing Easier

Posted on April 28, 2016May 2, 2016 by agentinsure

No one likes to pack before a move and no one likes to unpack it either. However, the packing part may be more difficult to some people. If you are about to move and need to start packing up your home, there are some easy ways to make the entire process easier for you. It will also help to make the unpacking process a lot easier as well. Before you move into your new home, read these tips on packing and contact us at Keltner Insurance for all of your homeowners insurance needs.

Make a first night box. Once you have moved into the new home, you do not want to spend all night looking for your toothbrush in all of the boxes. Instead, while packing, make sure you make a box filled with things you will need the first night. This will include things like toiletries, towels, basic clothes, pillows, and blankets to sleep on. After moving, you will need all of these things and probably will not want to unpack the house to find them.
Label your boxes and take inventory. If you keep track of the boxes, what they have in them, and label them, it will be a lot easier to find what you need and unpack things in an organized fashion. Make sure you take the time to label the boxes so that the unpacking process does not take long and you do not run the risk of getting frustrated. Color coding boxes is also a good idea. You can use color coded stickers to label boxes that should go into specific rooms. That way you will have all of the boxes in the rooms they belong in on the day you move. This makes everything a bit easier when unpacking.