Insurance

Do Renters Need Condo Insurance?

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Renting a condo is a great way to get a fantastic space to live in all while not having to worry about owning a home. Condos are a fantastic space but they require the same insurance that you would need if you were a renter or if you were to own a home. For those that live in the Memphis, TN area, the agents with Keltner Insurance can help you to find the perfect insurance policy for your condo rented or owned.

For those that own a condo, condo insurance is a must. For those that rent a condo, insurance is still a great idea. Insurance is the best way to protect the interest of those that are renting should something happen to destroy or ruin the living space. For renters of any type, insurance is always a good idea even if the home is insured by the owner of the property.

Though you may not need a condo policy that is meant for those that own a condo, you can still get renters insurance that is geared toward renters of condos. It is always best to talk with an agent about what sort of policy you may end up needing so that you can get the perfect coverage for your particular needs. Though you might think you need a huge policy, generally you only need insurance to cover the cost of your personal property within the condo and to help cover any issue or any injury that might occur in the space.

For those that live in the Memphis, TN area, the agents with Keltner Insurance can help you to find the perfect insurance policy that can help to cover your items and your property should something happen in your condo or the condo that you are renting.  

3 Reasons You Need Life Insurance

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Although you may be on the fence with regards to purchasing a life insurance policy, there are plenty of benefits to doing so. For residents of Memphis, TN, the following is a closer look at the three of the top reasons to purchase life insurance.

Final Resting Costs

Firstly, one of the most common reasons for purchasing a life insurance policy is that it can be used to cover costs after you pass away. Rather than leaving these costs on the shoulders of your loved ones, many believe the responsible thing to do is to set up a policy which can be used by your family to cover not only funeral expenses, but other bills associated with the death of a loved one. 

Leaving an Inheritance

Moreover, purchasing a life insurance policy is an excellent way to ensure your loved ones are able to take care of themselves after you’re gone. In you are worried about how your children, spouse, or anyone else who may be financially dependent on you, will be able to fend for themselves once you’re gone, purchasing a life insurance policy can give you the peace of mind you are seeking.

Maintain Coverage

Lastly, by keeping up with the premium each month, you will ensure that you maintain coverage for the remainder of your life. The premium is a very small price to pay for such a huge benefit.

Overall, for those living in Memphis, TN, let Keltner Insurance be your got- for all your insurance needs. Proudly serving the Tennessee area, contact Keltner Insurance today to find out how you can start your policy at once and hopefully save some money in the process. 

Importance of insuring your small business

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All businesses whether big or small face a lot of risks. It is, therefore, critical to insure your business. Often, Small business owners tend to overlook this since it is an added expense but, that should not be the case. Small businesses are the backbone of any economy, and they should take insurance very serious because, without them, there is no future for our economy.
Here is a glimpse of some of the reasons as to why insuring your business is important.
•    Cover for liability
Third parties such as workers and customers are a part of your business’s daily activities. With insurance, they are protected from any accident that may occur to them without harming your firm with a series of lawsuits.
•    Avoid closure
Your business premises and other properties are subject to destruction by natural and artificial ways such as by fire, floods, lightning and much more. This destruction will lead to the closure of your business. Insuring these risks ensures the continued survival by helping it get back on its feet.
•    Reduce Risk of making losses
Sometimes making losses can be inevitable. Losses can be caused by theft or fluctuation of the economy which causes a sudden fall in your products’ prices.  Insuring can cover this risks to avoid losses.
•    Protection from Professional liability
In the case of small professional firms such as lawyers, real estate, accountants, hair salons and notaries, insurance cover is crucial for defense and damages for poorly rendered services.
•    Legal requirement
Different states have different laws but almost if not all require you to protect your business as well as your workers from any damages or risks that may occur.
With so many uncertainties, your small business needs protection so as to operate and survive successfully.  By law, such protection is offered by legally registered insurance companies. Memphis, TN, Keltner insurance is one of the registered companies which offer insurance policies to small businesses to cover various risks that may occur. We serve cities such as Tennessee, Mississippi, South Carolina, and Arkansas. For more information, please visit or contact us on our website.

 

 

Common Auto Insurance Mistakes to Avoid

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Purchasing a quality auto insurance policy can be one of the most vital tasks for any motorist. Indeed, given the unpredictability of the roadways, ensuring that you, your vehicle, and your passengers are covered in the unfortunate event of an accident is essential. That said, the following is a closer look at some of the top mistakes people make when purchasing an auto insurance policy. 

Misunderstanding Coverage

Firstly, one of the top mistakes people make when purchasing auto insurance is not taking the time to understand their coverage. Whether this means you don’t possess benefits that you believe you do or vice versa, the bottom line is you may be paying for more or less coverage than you require. 

Failure to Compare Rates

Moreover, another of the common mistakes made when purchasing an auto insurance policy is failing to compare rates. Many foolishly assume that every company provides them with the lowest rates possible. This could not be further from the truth. By shopping around before you purchase your policy, you are ensuring that you receive the best coverage for the price. 

Sticking with the Bare Minimum

In addition, many people believe that the bare minimum is enough coverage for everyone. This is also not factual. In fact, many people have cars that would greatly benefit from purchasing a variety of coverage options. For instance, if you are in an area that has frequent issues with extreme weather, you may need to purchase emergency roadside assistance. Likewise, some cars are prone to certain issues (i.e. electrical issues) which would also make a service like emergency roadside assistance highly preferential. 

Overall, for those who live in Memphis, TN, Keltner Insurance is your go to for your insurance needs. Offering customized packages, competitive rates, and much more, shopping with Keltner Insurance in Memphis, TN is a step in the right direction with regards to quality auto protection. 

 

3 Things to Consider When Looking for Insurance in Tennessee

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Homeowners and renters have one thing in common: they need to protect their belongings inside the home. Luckily, buying home insurance for homes in and around Memphis, TN can be done right from the comfort of your home. Keltner Insurance is a leading home insurance company in Tennessee. Before committing to your Keltner Insurance policy, there are a few things you will want to consider.

Home Location

The location of your home may impact your policy. If your home is in close proximity to a lake or large body of water, it may be more susceptible to disaster. Fortunately, most home insurance policies provide coverage for weather-related incidents, but it’s always important to check your policy. 

Payments

You will also want to consider how much money you want to spend on your policy. Most home insurance policies are billed in either monthly, quarterly, or every three months. Your Memphis, TN insurance representative will be able to walk you through the different home insurance and payment options. 

Home History

Whether you’ve lived in your house for years or are just moving in, you will also have to consider your home’s history when purchasing home insurance. Insurance policy information is all stored in what’s called the Comprehensive Loss Underwriting Exchange or CLUE. The CLUE data base has information about claims and policies dating back to the construction of the home itself. If there were prior claims filed, this may cause your rates to increase.

Take the time to do some research before buying your home insurance policy. If you have any questions, a licensed home insurance agent can help provide guidance pertaining to your specific scenario or policy. 

How Home Insurance Saves You Money

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It’s important to know how home insurance in Memphis, TN can save you money. After all, you want home protection, and you also don’t want to spend a fortune on insurance premiums. Independent insurance agents at Keltner Insurance will be able to show you how to save money.

Help on Repairs

One of the first things you need to know about home insurance is that it can help you with making the various home repairs. Whether your home is damaged from thunderstorms, snow, or fire, you will be able to call and file an insurance claim. As long as the claim is approved, the insurance company will take care of the majority of repairs, if not all of them.

Legal Fees

Homeowners often deal with lawsuits where people get injured on the property. For example, if a sales person comes to your door and slips on ice on the way up, they could sue you because of their injuries. This could end up costing you a significant amount of money in legal fees if you don’t have home insurance.

Overall Peace of Mind

A significant amount of peace of mind can be provided when you have a comprehensive home insurance policy. This way, whether you experience storm damage, a break-in, or something else, you know that you can call the insurance company and have them take care of virtually everything.

You never know when something is going to happen. It could be a natural disaster or a simple accident. However, you need to have financial protection in place, and that’s what an insurance policy does.

Learn more about home insurance in Memphis, TN by contacting Keltner Insurance. One of our independent insurance agents will be ready to help you by answering questions, getting quotes, and walking you through the process.

Keeping Your Home Safe: How Home Insurance Works in Memphis

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Home insurance isn’t just another bill that you have to pay, but many people don’t see it that way. When most days are filled with nothing but routine, it can start to feel as though it will always be that way. But small and large disasters do happen, and you are not immune from their terrible effects. It would probably be helpful if you were able to think more about the benefits of home insurance rather than the upfront costs, and Keltner Insurance wants to convince you for more reasons than one.

Keeping Memphis, TN from Harm 

Home insurance can’t prevent bad weather or greedy criminals, but it most certainly can mitigate the effects of them. When you have a street that looks as though each and every neighbor is doing their part of caring for their property, it’s a very powerful thing. Not only will that street be more likely to get higher prices when it comes to home evaluation, but it also tells people that the homeowners are keeping an eye out for what’s going on. That can scare off people who may see the opportunity to take what isn’t theirs, or from causing vandalism just for the sake of causing havoc. Home insurance is what makes it easy to get those repairs done quickly.

Getting the Right People on Your Side 

Keltner Insurance has agents that are here for you if you’re looking to keep your home safe. If you have questions or concerns about your property, then now is the time to look into getting a policy that will do more when you need it the most. If you’re in Memphis, TN, then give us a call today for more information on how we can help.

Holiday Lighting Safety Tips

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It is the holiday season in Memphis, TN. What a wonderful time of year to gather with friends and family and adorn your home with all the sights and sounds of the holidays.  However, amid all the excitement, don’t forget to use good safety practices when decorating. For peace of mind knowing that your home is safe from electrical fires, use these tips when hanging the holiday lights.

Outdoor Lighting Safety Tips

People in Memphis, TN love to decorate their homes with lights. But before you start, check the cords for damage.  If they are damaged, do not use them.  Any extension cords used should be labeled for outdoor use.  Make sure that your plugs have circuits protected by ground fault circuit interrupters (GFCIs).  You can purchase portable ones if your home does not have GFCI protected circuits.

Fasten outdoor lights securely to protect them from wind damage.  But be careful not to pierce the cord as it will damage its insulation.  Avoid decorating near power lines and make sure that lights and cords are not resting in standing water.

Indoor Lighting Safety Tips

Indoor lighting should meet similar safety requirements as outdoor lighting.  They should be purchased from a reputable source and inspected for damage before use.  Incandescent lights should have no more than three strands strung together.

Before you begin to decorate inside with lights, check to see how many outlets are available for use and plan accordingly.  Do not overload your outlets with lights and other electrical decorations as this can cause a fire.  Turn your lights off when you are away from home or going to sleep for the night.

By following these simple safety tips, you’ll have peace of mind knowing your home is well-protected against disastrous holiday electrical fires.

Is An Uber Driver Covered Under A Commercial Insurance Policy?

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Uber is technically a "ride sharing service," and not a taxi cab company. People pick you up in their own personal vehicles, and overall it’s not that different from asking a group of friends "Hey if you know anybody who’s going to be driving to the grocery store tonight, I need a ride." So how are Uber drivers covered when it comes to insurance? Do they provide it for themselves? And if so, does a standard auto policy cover it, or do they need to seek out some kind of commercial policy?

An important point regarding Uber drivers, and indeed many taxi drivers, is that they are not actually employees of the company, rather, they work as private contractors. One way of putting it is that they work with Uber in a limited partnership capacity. Uber brings the driver their customers, and in exchange, the driver splits the revenue with the company.

Put simply, if a driver has a policy from, say, Keltner Insurance, then that typically covers their own vehicle, while Uber’s commercial policy covers other aspects of the business. Oftentimes, a personal policy will cover an Uber driver’s interests, but you can’t take this for granted, as many policies have exclusions related to driving for hire. If you’re thinking of driving for Uber or Lyft, you’ll want to talk to your provider about it, first.

Uber carries a commercial policy that covers up to $1 million in excess liability per incident, but this is intended to supplement, not replace, the driver’s personal policy. In any event, if you’re thinking of driving for Uber or Lyft, make sure to talk it over with your provider before picking up your first fare.

RV Insurance Coverage with Keltner Insurance Gives Peace of Mind

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An RV is a big investment, and you want that investment to have the best returns possible. Not only are you making memories as you travel, but you want peace of mind. Protect your special memories with RV insurance coverage. Our independent agents at Keltner Insurance can help you examine your insurance coverage options. We’ll find you the best rates out there.

Before you take your RV out on the open highway, do you check the engine, stock the cupboards, and pack your favorite pillow? Contact us at Keltner Insurance to review your RV insurance coverage as well. Laws for minimum coverage sometimes change. Your RV may need a different level of insurance than it carries now. Perhaps you have a particular concern about coverage for specific kinds of situations. Our agents can inform you of any changes that would affect your coverage or your rates. Visit us online or in our office to learn what options you have.

Serving the Memphis, TN area, Keltner Insurance is ready to serve your RV insurance needs. Whether you want minimum coverage or you want to protect against those big disasters, we can help. Online you can receive multiple quotes for insurance coverage or you can speak directly with an agent who can research your best coverage and rates out there. That means you aren’t committed to any one insurance company with set rates and narrow offers. You have an independent agent who can find the most suitable coverage for your needs. Owning an RV requires some attention to detail concerning insurance because the differences in RVs can make a huge difference in coverage levels. We can sort this out and find you the best rates. Contact us today.