What is the benefit of having renters coverage in Memphis?

In the Memphis, TN area, you must have proper insurance coverage in place. While property owners will want to have insurance, so should renters. Getting a renter’s insurance policy is always a good idea if you rent a home. Multiple benefits are obtained when you do have renter’s insurance.

Reduce Financial Risks when Renting

A primary advantage of a renter’s insurance plan is that it can reduce financial risks. There are various financial risks that you take on when renting a home. If an accident leads to property damage or injuries, you can be held liable. Fortunately, a renter’s insurance policy has a provision for liability coverage.

Additionally, your renter’s insurance plan will give coverage for personal assets. If you have rented a home, you will probably have many personal assets stored within it. With a renter’s insurance policy, you receive coverage that can be used to replace or repair your personal items. 

Comply with Lease Obligations

Getting a renter’s insurance plan to comply with lease obligations is also a good idea. If you choose to rent your home and sign a lease, there is a good chance that you will be required to carry insurance at all times. If you do not have coverage, you could be in lease default.

Any lessor in the Memphis, TN area must get a proper renter’s insurance plan. As you are looking for a new policy, you can call Keltner Insurance to get the guidance you need. Keltner Insurance offers the support necessary to evaluate all of your options. They can help you build a plan to keep you in good standing. 

Five Reasons You Need Boat Insurance

The Necessity of Boat Insurance

Boat insurance from Keltner Insurance in Memphis, TN can help you protect your floating assets from harm.


Marinas are famous for greasy, questionable water; oil on the water’s surface can catch fire. Fires onboard can also happen from untended ignition sources like a pilot light. Your boat needs to be insured against fire!


Plenty of movies have started with the plot device of the protagonist stealing a boat – but what about the beleaguered owner? If you find yourself in this position, ensure you have serial numbers and photos of everything you routinely keep aboard – it will make tracing your vessel and getting it back that much easier.


Boats are valuable assets that are often stored out in the open. Even in an access-controlled marina, there is never enough access control to keep people from approaching over the water. Because of this, vandalism is always a threat to people’s boats and belongings, even in the safe waters of the marina. Keep your boat covered against vandalism with good insurance.


The Law of Gross Tonnage says whoever has the greatest gross tonnage wins. Respect larger vessels, watch out for smaller ones, and keep a respectful distance from other traffic. Inspectors after an accident can help you repair your boat and get back on the water.


If your motor breaks down or your boat springs a leak, you may be in for a very costly repair bill. Breaking down in the middle of the channel can be hazardous, too. Keep your phone handy and remember day flags: F or Foxtrot means "I am disabled" and can alert barges or rescue boats to your situation.

Call or visit Keltner Insurance in Memphis, TN for a free, no-obligation boat insurance quote.

Why would someone need to have a motorcycle insurance plan?

If you are in the Memphis, TN area, you need to have a way to get around the city. One great mode of transportation to consider getting is a motorcycle, which can be both fun and efficient to drive. When you are looking to purchase a bike, you should also get insurance for it. There are various reasons someone here should remain covered by a motorcycle insurance plan. 

To Meet Legal Requirements

One of the reasons you should get an insurance plan for your motorcycle is to meet your legal requirements. If you are going to operate a motorcycle, you must comply with all rules and requirements set by the state. In Tennessee, this will mean having a certain level of liability insurance. If you do not have this coverage, you could be in violation of the law. 

Protect their Motorcycle

Getting a motorcycle insurance plan to protect your asset would also be a good idea. If you are going to purchase a motorcycle, you will want to know that you can use it for a long time. A great way to ensure this happens is by getting the proper coverage. If you have motorcycle insurance, it will provide coverage if your motorcycle is damaged in an accident or stolen. 

Anyone who owns a motorcycle in the Memphis, TN area should consider getting insurance. When you want coverage, it would be wise to call the team with Keltner Insurance. There are a lot of choices you need to make when looking for coverage, and Keltner Insurance will help you build a new plan. This will give you the sense of security that you are adequately insured when using your motorcycle. 

What are the benefits of having life insurance in Tennessee?

Anyone that is in the Memphis, TN area is going to have various insurance needs. This can include life insurance, which benefits anyone with this type of support. When you have this type of insurance, it can offer various benefits that will make it well worth the investment. 

Provide Financial Support to Dependents

Providing financial support for your dependents is very important, and life insurance is one way you can do that. A life insurance plan can be curtailed to meet your individual needs. This will allow you to build a plan that could cover all future costs incurred by your dependents if you pass away during the policy period. Some items that can be included in the plan include future costs of higher education, living and housing expenses, or anything else that you see fit. 

Alternative Investment Option

While most people will want to get a life insurance plan due to the protection it provides, there are other advantages as well. One of the benefits of this type of coverage is that it can be a good investment option. With a whole life insurance plan, some of the funds you pay monthly will go into an account and build with interest. This can make it a conservative addition to any personal investment plan. 

If you are in the Memphis, TN area and want a proper life insurance plan, it would be a good idea to speak with someone you can trust. The team with Keltner Insurance will offer the support that you need. Keltner Insurance will always take a personalized approach when it comes to insurance to ensure you select the best policy for your situation. 

Does Commercial Insurance Protect Your Personal Assets in Memphis, TN?

Commercial insurance aims to protect the personal assets of Memphis, TN business owners. Generally, it helps those that own small businesses that haven’t applied to become a limited liability corporation (LLC), C-Corporation, or S-Corporation. These entities feature built-in liability protection.

Why is Protection Needed?

According to representatives at Keltner Insurance, commercial insurance stops other parties from going after your assets in damage claims. Customers and other businesses may seek legal action against your company if they feel your products or service were inadequate or caused harm to them. Additionally, organizations might attempt to sue you if they feel your actions injured their brand.

Without commercial insurance, you end up paying for everything. It includes legal fees and monetary settlements. If your company’s revenue can’t pay out, the other party can seek the remainder from your assets. As a result, you could become bankrupt, lose the company, or lose your home.

Commercial insurance minimizes these dangers. Although there are several components, the central part of the policy is general liability coverage. At a minimum, this helps Memphis, TN businesses handle the legal fees related to lawsuits. These include court costs and those related to hiring law firms.

If the ruling is for the plaintiff, general liability helps cover payments related to cash settlements. They also halt attempts by the other party to obtain the remainder of payments through your personal assets. 

Do you own a commercial insurance policy? If not, it’s past time to consider one. Contact representatives at Keltner Insurance for policy options that fit your budgetary needs. You’ll be grateful for the coverage if an uncomfortable situation arises. 

If You Have a Mortgage, You Need Homeowner’s Insurance

Why? Your lender wants to ensure their interest is protected in a disaster, such as a fire or weather event. Contact Keltner insurance of Memphis, TN to get answers to any questions you may have regarding this coverage.

It is not required by law like car insurance is. You are legally required to purchase car insurance, but homeowners’ insurance is not legally necessary at any level, from federal down to local.

Homeowners purchase insurance for the same reason they buy health and auto insurance. It provides financial protection due to accidents, theft, or disasters. If your home is damaged or someone is injured on your property, insurance helps defray the costs of such events. The following is the typical type of protection you can expect from your policy.

Covers the Structure of your Home

If your home needs to be repaired or rebuilt due to hail, lightning, fire, hurricane, or other disasters as listed in your policy, the policy will pay. When purchasing insurance for your home, make sure you buy enough to rebuild your home.

Covers your Personal Possessions

They are covered if any of your belongings are stolen or destroyed by a weather event. More expensive items such as art, collectibles, jewelry, or furs are usually covered with dollar limits. You may want to purchase a separate rider to insure them for their officially appraised value.

Liability Coverage

If your dog damages your neighbor’s lawn ornament, or if he bites the neighbor, you are covered. The liability portion of your policy protects you against lawsuits for property or bodily injury. Limits usually start at $100,000, but a higher level should be discussed with your agent.

(ALE) Additional Living Expenses

The additional costs of living away from home will be covered if your residence is deemed unhabitable during the repair or rebuild. It covers hotel costs, restaurant bills, and anything over and above the usual living expenses. ALE coverage usually has limits, both monetary and time. But they are separate from the other costs.

If you are in the process of purchasing a home, contact Keltner Insurance today to get answers to all your questions. You will be glad you did.

What auto insurance is required in Memphis, TN?

Keltner Insurance knows that auto insurance is more than just a good idea. It’s the law.

Just like most other states, Tennessee has strict auto insurance requirements. Failing to hold the most basic coverage could result in fines, suspension, or losing your driving privilege altogether. Driving uninsured is simply not worth the risk.

Luckily, Keltner Insurance can help. Located in Memphis, TN, their expert agents list three essential items that any auto insurance policy must include.

Bodily injury liability

In Tennessee, liability coverage is a must for all drivers. In a severe accident, bodily injury liability reimburses expenses resulting from physical harm you may have caused to other drivers or passengers. By law, the state requires all drivers to carry a minimum of $25,000 for any single person. A combined total of $50,000 is mandated for all people involved in an accident.

Property damage liability

Another part of liability, these plans apply to an individual’s property. This includes vehicular damage but also covers damage or destruction to mailboxes, fences, buildings, and other structures. Motorists in Memphis, TN must carry $15,000 per accident for property damage.

Uninsured motorist coverage

Uninsured motorist coverage grants additional protection if you’re involved in a collision with a driver who doesn’t have proper liability coverage. This is automatically applied to any auto insurance policy in the state. However, drivers have the right to reject this coverage in writing. 

Contact an agent serving in Memphis, TN.

Keltner Insurance does more than keep you "street legal." They can ensure you, your family, and other motorists are safe on the roadways. Minimum coverage is rarely enough. Their experienced agents can find a personalized policy that’s right for you. Set up an appointment right away.

Summer Riding: Sizzling Motorcycle Safety Tips

If summer is your favorite time to ride, we bet you’re already halfway out the door. But before you head out, Keltner Insurance wants to help you ensure you’re ready to ride safely in Memphis, TN, and beyond.

Why is summer a problematic time to ride?

The first thing that comes to mind is the heat. Our average summer temperatures hover around 90 degrees, not counting the humidity. The combination of heat and moisture can make a dangerous environment for motorcycle riders.

Motorcyclists are more likely to suffer heat-related ailments like heat exhaustion when riding during the hottest part of the day. That’s why they should avoid riding between early to mid-afternoon.

Rain is another common summer hazard. While we see less rain in the summer, even a small shower can be enough to cause your motorcycle to slip out from under you. Additionally, rain can affect your ability to see and react to traffic.

The best practice is to avoid riding in the rain, but sometimes that’s not an option. If you have to be out on the road, avoid sudden movements. Be extra cautious when braking and when you turn.

Some other tips:

  • Wear proper gear – It’s tempting to wear light clothing when it’s hot outside, but that’s a recipe for disaster. Not only do you put yourself at risk for serious injury, but you could also suffer severe sunburn. Luckily, you can find lightweight motorcycle gear that is functional and cool.
  • Inspect your motorcycle – This is especially important if you haven’t ridden in a while. Also, consider getting a tune-up at least once a year.
  • Check your insurance – It’s easy to accidentally let your insurance coverage lapse when you haven’t ridden in a while. Make sure you have coverage in place before you head out.

Let Keltner Insurance of Memphis, TN help you ride in peace with a policy that’s right for you. Contact us today!

Things that condo insurance won’t cover

Having a condo is a great way to break into the housing market in Memphis. While owning a condo is like owning a freestanding home, some things are pretty different, and the same is true for condo insurance. We are Keltner Insurance in Memphis, TN, and we are a locally owned independent insurance agency. We provide personalized service and lots of options. 

While condo insurance covers many things that can go wrong at your condo, it doesn’t cover everything. Many of the things that home insurance covers are not covered by condo insurance. Some things are not covered because they are covered by the master policy that the condo association has. This includes exterior damage to the building, such as the roof or exterior walls. Your condo insurance also does not cover liability for the public shared areas of the condo complex and areas like the pool or the parking lot. 


Flooding is not covered by condo insurance. If the river, ocean, a stream, or backed-up storm drains flood your condo, your condo insurance excludes that damage. To be covered, you need to purchase a dedicated food insurance policy. 

Earth movement

Earth movement involves different types of damage. It can be from an earthquake, a sinkhole, mudslides, or landslides. All of these are types of earth movement and are excluded. You need to have a rider on your policy to have the coverage. 

Owner neglect

This involves routine maintenance that needs to be done to make sure that your condo is not damaged. If you have leaky plumbing, you need to get it fixed before it damages your floors and walls and results in mold. 

Contact  Keltner Insurance in Memphis, TN when you are ready to review your current condo insurance or are prepared for your first condo policy. 

4 Facts You Should Know About RV Insurance

If you have a recreational vehicle in Memphis, TN, or the surrounding area, one of the best ways to protect your treasured asset is by investing in RV insurance. But since RV insurance isn’t a walk in the park, you need an experienced insurance agent to help you seek suitable coverage. However, on your part, you should equip yourself with basic knowledge about RV insurance. For starters, here are four facts you should know about RV insurance.

It’s mandatory

Your RV may act as your home, but don’t forget that your RV is a vehicle. And as you know, anything driven on public roads needs protection since it poses a danger to other road users. Invest in RV insurance from Keltner Insurance to legally drive your RV in Tennessee. Besides the law, if a lender finances your RV, they may insist you purchase RV insurance to protect your investment.

Difference between actual and replacement cost value

When your RV is stolen or totaled, what value will the insurance company compensate you? The replacement cost value means that your insurer will pay an amount equivalent to getting an RV similar to yours. Actual value refers to your RV’s value less deprecation. We usually advise clients to consider the replacement cost value.

It comes with different coverage options.

Like most insurance policies, RV insurance isn’t one-size-fits-all coverage — it has different options so that you can choose those that suit your needs. RV insurance options include collision, comprehensive, personal contents, and liability coverage.

It can cover personal belongings.

Since you use your RV as a home, the chances are that you have numerous belongings in your RV. Thankfully, RV insurance can cover damage or loss to your assets.

Are you looking for RV insurance in Memphis, TN? Why don’t you reach out to Keltner Insurance for an affordable quote?