Is My Pet Passenger Covered For Medical Injuries While Riding?

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Motorcycle riders in Memphis often enjoy taking their pets along for the ride, especially smaller dogs who love the breeze and open air. But what happens if you’re in an accident and your furry co-rider gets injured? It’s a question more riders are asking their insurance agent at Keltner Insurance, serving Memphis, TN, as pet travel becomes more common on two wheels.

Motorcycle Policies Don’t Always Cover Pets

Standard motorcycle insurance policies generally focus on covering you, your bike, and other people or property involved in an accident. Pets are usually not considered passengers in the same way people are. Medical coverage under your motorcycle policy usually won’t extend to animals riding with you.

What Options Are Available?

Some insurance carriers offer pet injury protection as an add-on or include it in premium coverage packages. This benefit may help cover veterinary bills if your pet is injured during a covered accident while riding with you. It’s not available with all policies, so you’ll need to ask specifically.

Is It Legal to Ride With a Pet in Tennessee?

No statewide laws in Tennessee prohibit pets from riding on motorcycles, but all passengers, including four-legged ones, must be secured safely. Riding with your pet in a backpack carrier or protective seat helps reduce injury risk and shows that you’re a responsible motorcyclist.

Before taking your furry best friend out on the road, talk to your local insurance agent at Keltner Insurance, serving Memphis, TN. They can review your current policy, explain what’s covered, and help you explore options for adding protection specifically for pet passengers. A little preparation can go a long way toward ensuring safety for both you and your four-legged rider.

Should I Inform My Beneficiary of Change in Life Insurance Benefits?

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Many people inform their life insurance beneficiaries about the amount they’ll be receiving ahead of time. But what if that amount changes for any reason? Are you obligated to inform your beneficiary of changes in life insurance benefits?

Naming a Beneficiary

One of the most caring things a person can do is to secure life insurance for their loved ones. The recipient of a life insurance policy is called a beneficiary. Naming a beneficiary is reassuring, as you know that the person will receive a financial benefit that will help offset your own final expenses, and potentially provide some financial support for their own needs after you can no longer support that person.

Transparency Can Prevent Confusion

Letting your beneficiary know about changes to your policy with Keltner Insurance serving Memphis, TN helps avoid confusion or disputes later on. In some cases, beneficiaries are unaware they’ve been named until the time comes to file a claim. If a change has been made, such as replacing one beneficiary with another or splitting the benefit differently, surprises during a time of grief can lead to conflict or delays.

Open Communication Builds Trust

If your decision to make a change affects a close family member, a conversation can provide clarity and ease any emotional impact. Explaining your reasoning may help maintain trust and understanding, especially if you’ve made changes due to major life events.

Legal Control Still Rests With You

You aren’t obligated to tell your beneficiary about any changes. However, clear communication ensures that your wishes are respected and carried out as intended.

It’s wise to review your life insurance policy with Keltner Insurance serving Memphis, TN, regularly to ensure reflects your current intentions. If you do make changes, consider discussing them with those involved.

Why Commercial Insurance is Essential for Protecting Your Brand Reputation

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Running a business involves navigating various risks. From customer disputes to property damage, unexpected challenges can surface anytime. While many business owners focus on growth, one crucial aspect that often gets overlooked is brand reputation. At Keltner Insurance in Memphis, TN, we understand that safeguarding your company’s image is as vital as protecting its assets. This is where commercial insurance becomes indispensable.

Shielding Your Business from Lawsuits

Even the most efficiently managed companies can face legal claims. Whether it’s a customer injury on your premises or a contract dispute, lawsuits can be expensive—not just financially but also in terms of your reputation. Legal battles can deplete your resources without appropriate insurance coverage and damage the trust you’ve built with customers. General liability insurance and professional liability insurance help ensure that your business can handle these situations without enduring long-term consequences.

Recovering from Property Damage and Business Interruptions

An incident like a fire, storm, or act of vandalism can leave your business struggling to recover. If your operations are forced to halt temporarily, customers may turn to competitors, and your reputation could suffer. Commercial property insurance, coupled with business interruption coverage, helps you bounce back quickly, minimizing downtime and maintaining customer confidence.

Establishing Trust with Clients and Partners

Having comprehensive commercial insurance signals to clients, investors, and business partners that you are a responsible and reliable company. It reassures them that if something goes wrong, you have a plan in place to handle it professionally.

At Keltner Insurance, we provide commercial insurance to business owners in Memphis, TN. We specialize in helping businesses find the right coverage to protect their brand and financial future. Contact us today to safeguard your company’s reputation.

Three Major Differences Between Townhomes and Condos

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Two home types gaining popularity in Memphis, TN are townhomes and condos. These options offer homeownership with minimal upkeep and maintenance. If you’re uncertain about which is the right fit for you, consider these three major differences.

1. Ownership of External Space

In a condo, you share the external space with other residents and rely on a master HOA insurance policy for any claims. The cost of repairs is shared among condo owners, making it more affordable. Conversely, in a townhome, you are responsible for the exterior of your home, including the siding, roof, walkways, and patio area.

Parking in a condo community is typically assigned, with specific spaces allocated to each condo. On the other hand, townhomes come with a garage and a parking area on the property.

2. Condos Offer More Amenities

Due to their design, Condo communities often have shared spaces such as gyms, pools, recycling areas, and recreational spaces. Townhome communities may share a pool but generally offer fewer amenities. This lets you set up an in-home gym or utilize local gym memberships. Despite this, you may still be required to pay an HOA fee with a townhome without reaping as many benefits as you would in a condo.

3. Townhome Privacy

Comparing the design of a condo and a townhome, a townhome offers more privacy. You only have neighbors on either side of you, and you can have a home without a neighbor above or below you. Condos, similar to apartments, often have neighbors on all sides. However, townhomes come with a fenced-in patio, providing a level of privacy not always available with a condo.

If you want more information about home insurance, Keltner Insurance is here to help. We proudly serve clients in and around the Memphis, TN, area.

Does Your Auto Insurance Cover Windshield Damage From Road Debris?

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Many drivers have experienced this situation—you’re driving when a stray rock or piece of debris suddenly hits your windshield, leaving a crack or chip behind. If this has happened to you, you’re likely wondering whether your auto insurance will cover the damage. At Keltner Insurance in Memphis, TN, we want to help you understand how your coverage works when it comes to windshield damage caused by road debris.

Comprehensive Coverage Is Key

The type of coverage you have on your auto insurance policy will determine whether or not windshield damage is covered. Typically, comprehensive coverage is what you’ll need in this scenario. Comprehensive coverage protects against non-collision-related damages, such as theft, vandalism, weather-related events, and damage caused by road debris. If you don’t have comprehensive coverage as part of your policy, the cost of repairing or replacing your windshield will likely fall on you.

Deductibles and Repairs

It’s worth checking your policy’s deductible for comprehensive claims. If your windshield repair or replacement costs less than your deductible, you’ll need to cover the expense out of pocket. However, some insurers offer policies that waive the deductible for windshield repairs, especially if the damage is minor and can be fixed without needing a full replacement.

Don’t Delay Repairs

Even small chips or cracks can quickly spread, turning a simple repair into a costly replacement. Addressing the damage promptly saves you money and ensures your windshield remains safe and functional.

If you’re unsure about your current coverage or want to explore options that include protection for windshield damage, contact Keltner Insurance in Memphis, TN, today. We’ll help you find the right policy to keep you covered on the road.

Why Uninsured/Underinsured Motorist Coverage for Riders in Memphis Matters

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Investing in a motorcycle is a dream for many, particularly those who yearn for boundless freedom and adventure. However, as a rider, there are additional risks, especially in busier, urban areas like Memphis, TN. One of the most significant risks for motorcyclists is encountering another uninsured or underinsured driver. Securing the right uninsured/underinsured motorist (UM/UIM) policy is crucial to ensure personal and financial protection whenever you’re out enjoying the open road. At Keltner Insurance, we can help you find the right uninsured/underinsured policy tailored to your needs.

The Importance of Uninsured/Underinsured (UM/UIM) Coverage

Understanding the importance of UM and UIM coverage in Memphis is essential for drivers and motorcyclists. As a motorist in Memphis, uninsured and underinsured coverage can protect you anytime you’re involved in an accident or collision, especially if the other party or driver(s) involved are underinsured or uninsured. It’s currently estimated that approximately 20% of all Memphis drivers lack motorist insurance. Proper UM and UIM coverage offers the following benefits:

  • Extended Coverage: UM/UIM coverage protects you, not any other party involved in an accident or collision when you’re on the road or open highway.
  • Enhanced Protection for Repairs and Medical Costs: UM/UIM policies extend coverage to help cover vehicle repairs, physical therapy, and medical expenses.
  • Peace of Mind: Maintain your peace of mind even if you’re involved in a hit-and-run accident with proper UM/UIM policies in place.

Memphis, TN, has more than 1,200 miles of roads, making it a popular hub for motorcycle riders, whether recreationally or professionally. However, this also increases the chances of encountering a driver without proper insurance. To learn more about uninsured and underinsured motorist coverage for riders in Memphis, TN, contact Keltner Insurance for your free consultation and quote today.

Insurance Coverage for A Renovated Condo

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If you’re planning renovations within your condo, these changes may necessitate adjustments to your condo insurance policy. Review your renovation plans and consider insurance modifications that will provide sufficient protection from theft, vandalism, and damage.

An Assessment of the Floor Plan

Assess your condo’s new floor plan. Changes to the floor plan may alter how you use the living space, which could influence the amount of insurance coverage you need. If you add new flooring or other functional materials, you may have increased concerns about potential injuries or damage within your condo.

If the changes to the living space accommodate more household goods, you may want to add insurance protection for these additional possessions.

An Analysis of the Structural Materials

Analyze the list of structural materials that will be installed in your condo. Compare the style and quality of these materials with those already installed within your living space.

Consider how susceptible the materials are to damage, vandalism, or theft. If the new materials are superior to those being replaced during the renovation process, acquiring additional condo insurance may be necessary.

Your condo insurance policy can include protection for any materials that need to be repaired or replaced.

Contact an Agent Who Serves Memphis, TN

Contact one of our agents serving Memphis, TN, to schedule an appointment. When you meet with an agent from Keltner Insurance, you can request insurance upgrades, which will be reflected in your new insurance policy.

Does RV Insurance Protect Against Flood Damage?

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If you’re an RV enthusiast, you know the freedom and adventure it offers. But have you considered the unexpected, such as flood damage? At Keltner Insurance, serving the Memphis, TN, area, we understand the importance of protecting your mobile home.

Understanding Tennesee RV Insurance

RV insurance is akin to auto insurance but is specifically designed for the unique needs of recreational vehicles. It typically covers collisions, theft, and liability. However, coverage can vary for natural disasters like floods. It’s essential to understand what your policy covers to avoid unpleasant surprises.

Flood Damage Coverage

Floods can be devastating; not all RV insurance policies automatically include flood damage coverage. Comprehensive coverage is usually necessary to protect against natural disasters. This type of policy can shield you from the financial burden of repairs or replacement if a flood damages your RV. It’s a wise investment, especially if you frequent areas prone to flooding.

Why Flood Insurance Matters

Understanding your coverage ensures peace of mind. Imagine being on a trip and encountering unexpected weather. Knowing that your RV is protected allows you to focus on enjoying your adventure without worrying about potential damages or costs. It’s all about safeguarding your investment and lifestyle.

Taking the Next Step to Protect Your Property

Review your current policy and consider adding comprehensive coverage if it’s not already included. It’s always better to be prepared than to face unexpected expenses. At Keltner Insurance, proudly providing RV insurance in the greater Memphis, TN region, we help you navigate your options and ensure your RV is fully protected. For personalized advice and to explore your coverage options, contact us at Keltner Insurance. Your adventure deserves the best protection; we’re here to provide it.

Renters’ Insurance Upgrades for Unique Circumstances

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When to Upgrade Your Renters’ Insurance Policy

Certain unique circumstances may necessitate modifications to your existing renter’s insurance policy. Consider the following points before consulting with an insurance agent in the Memphis, TN region for potential policy upgrades.

Increased Liability Risk

If you’re living in a rental that might lead to an injury, this increases your liability risk, and such scenarios may call for upgrading your existing policy. In case someone gets injured in your rental unit and you’re at fault, you’ll be held responsible for medical bills and legal fees.

Particular items in your possession that could make your rental a liability risk must be taken seriously. For example, owning an exotic pet might need additional coverage on your existing policy.

Extreme Weather Conditions

Residing in an area prone to extreme weather conditions could prompt you to seek more substantial insurance coverage. The looming threat of a hurricane or a flood can be disturbing. Upgrading your policy to cover extreme weather is one way to protect against unpredictable weather conditions.

Shared Living Spaces

Your renters’ insurance policy covers you as the occupant of the dwelling. If you’re sharing a living space with someone else, you’ll need to detail which items you’d like to include in your policy. The person who shares your space will need to secure their own insurance coverage, separate from your policy.

Valuable Advice and Services from Insurance Agents

An insurance agent serving Memphis, TN, can help you select the type of coverage you need while renting actively. If you have unique needs qualifying for specific coverage, one of our Keltner Insurance agents can assist you in upgrading your existing policy as required.

The Benefits of Carrying Boat Insurance Even When Your Boat is Docked For the Season

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When the boating season winds down, it might be tempting to cancel your boat insurance. However, at Keltner Insurance in Memphis, TN, we believe it’s essential to maintain coverage year-round. Here’s why keeping boat insurance during the off-season is smart.

Protection Against Unforeseen Events

Even while docked, your boat can face risks such as theft, vandalism, or storm damage. Comprehensive insurance ensures you’re covered for these unexpected events, protecting your investment from costly repairs or replacements. Weather can be unpredictable, and having coverage means you won’t be caught off guard.

Liability Coverage

Accidents can happen anytime, even when your boat is not in use. Liability coverage can protect you from legal and medical expenses if someone gets injured on or around your docked boat. This peace of mind is invaluable, preventing potential financial strain and ensuring you’re prepared for any situation.

Financial Security

Maintaining insurance can also prevent gaps in your coverage history. Continuous coverage may qualify you for loyalty discounts, potentially lowering your premium in the long run. Plus, it ensures you’re always protected, avoiding surprises when it’s time to hit the water again. This consistent coverage strategy can save you money over time.

Peace of Mind

Knowing that your boat is covered, regardless of the season, provides peace of mind. You can focus on planning your next adventure without worrying about potential risks during the off-season. Enjoy the freedom of knowing that your boat is protected.

For a customized insurance plan that fits your needs, contact Keltner Insurance in Memphis, TN. Our team is here to help you navigate the best options for protecting your boat all year round.