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?


5 Benefits of renters insurance in Memphis, TN

Insurance isn’t just for homeowners. Renters need protection too.

Unfortunately, few tenants fully understand the value of having a designated renters insurance plan. This is often a result of misinformation or misunderstanding.

Luckily, Keltner Insurance can help. Serving Memphis, TN, their experienced agents share five reasons every renter should purchase their own insurance policy.

Extend beyond a landlord’s policy

Renters often incorrectly assume they are already rolled into a landlord or owner’s existing policy. Although these groups will have their own insurance, these policies include only the exterior of a building and structure itself. Any personal possessions are excluded.

Keep possessions safe

Only a specific renters insurance policy can protect your stuff. Furniture, appliances, electronics, and other valuables are covered. If something gets lost, damaged, or stolen, renters insurance will help cover these costs.

Provide liability

Nearly all insurance plans carry liability. If you are found to be at fault for an incident at your residence, liability kicks in. Reimbursements for bodily harm, property damage, medical expenses, and legal fees are likely included.

Cover additional living expenses

Renters insurance is about planning for the unexpected. If disaster strikes and makes your place uninhabitable, "loss of use" is especially beneficial. This could help repay for extra travel, meals, and hotels.

Stay protected anywhere

Surprisingly, your renter’s insurance travels with you. These protections can apply to your belongings anywhere. It doesn’t matter if you are at your apartment, in the car, or on vacation. What’s included will be outlined under your policy’s "other covered losses" section. Review this with your agent.

Contact Keltner Insurance

Renters insurance isn’t just for your assets. It’s also for your peace of mind. Serving Memphis, TN, Keltner Insurance is waiting to find an individualized plan that’s right for you. Schedule an appointment today.

Why should I get boat insurance in Memphis?

Memphis, TN can be a great place for people to own a boat. This region of the country continues to have warm months for much of the year and provides boat owners with access to various different waterways. If you are looking to buy a boat when you are in this area, you will always want to know that you get the right insurance for it. There are a few reasons to get a boat insurance plan here. 

Cover Your Boat

A primary reason that you should get insurance for your boat here is that it can cover your boat. Those that choose to purchase a boat here will have made a big investment. A great way that you can protect this purchase is with boat insurance, which will give you coverage for your boat if it is stolen or damaged. If you have taken out a boat loan, your lender will also require that you carry this coverage. 

Offset Liability Concern

When you operate a boat, there is always a chance that you could be responsible if an accident occurs. As damages associated with a boat accident can be significant, you will always want to know that you are properly covered. A boat insurance plan will include a liability risk mitigation provision that will give you support if you are responsible for damages in an accident. 

Boat owners in the Memphis, TN area will always benefit by getting the right insurance for it. If you are evaluating your insurance options, you can find that picking the right plan is confusing. In these situations, working with Keltner Insurance is a great option. The professionals with Keltner Insurance will help you choose a plan that is ideal for your situation and will cover your boat and minimize your liability risk.

Motorcycle Insurance FAQs

Have you purchased a motorcycle recently? If so, you are probably ready to take it out on the road. But, not so fast. You need to get insurance for your bike first to ensure you and your motorcycle are covered in the event of an accident. Keltner Insurance, serving Memphis, TN, wants to share a few questions and their answers regarding motorcycle insurance.

Is the Minimum Coverage Good Enough?

The minimum coverage that is required for motorcyclists will vary from one state to the next. Most people opt to carry only the minimum coverage, but you may want to consider increasing that coverage–similar to with your auto insurance. By upping your limits, you can rest easy knowing that your investment and other assets are protected in the event you are found at-fault for an accident.

Should I Carry Any Additional Coverage?

There are many different types of coverage that can be purchased based on your individual driving situation and finances. For instance, collision insurance will cover the costs to repair/replace your motorcycle following a collision, regardless of who is deemed at fault. Comprehensive insurance will cover the costs for repair/replace following an event like vandalism, theft, or weather. Medical payment insurance will take care of medical expenses after an accident. Uninsured/underinsured kicks in if an at-fault driver doesn’t have sufficient insurance to cover the associated losses.

Does Motorcycle Insurance Cover My Passenger?

Cover for your passenger will depend on your individual policy. As a general rule, standard liability coverage will not extend coverage to your passengers, but a number of collision and comprehensive plans will. It is best to speak to an insurance agent to confirm your coverage before purchasing a policy.

When you are in need of motorcycle insurance coverage in Memphis, TN, contact the professionals at Keltner Insurance.

Do You Require Boat Insurance for a Classic Boat?

Not all boats are the same. In fact, there are many types of boats including classic boats. Insuring your classic watercraft requires different coverage than a regular boat. Your classic boat may be very valuable and you will want to make sure it is protected in the event of an accident. Here are some common classic boats people get insurance for:

  • Cruisers
  • Classic wood boat designs
  • Mono-hulled sailboats
  • Kit-built
  • Runabouts
  • Wooden canoes
  • Launches
  • Skiffs

The skilled agents at Keltner Insurance of Memphis, TN have helped many classic boat owners get quality coverage for boats of all sizes and styles. We understand the importance and peace of mind of having adequate insurance for your assets.

Do I Need This Kind of Insurance?

The kind of insurance you get depends on your needs and the level of protection you want. While boat insurance is not typically required, it is important to check with state laws regarding this. A minimum amount of liability is what most boat owners have. Insuring your classic boat will keep you and others safe while you are out on the water. The types of insurance available for classic boats include:

  • Liability coverage
  • On-water towing
  • Medical payments
  • Fishing equipment
  • Total loss replacement
  • Personal effects
  • Uninsured boater

There are unique insurance add-ons available for classic boats to fine-tune your policy. These types of add ons include:

  • Single Liability Charge
  • Agreed Value Coverage
  • Flexible Usage
  • Repair Shop of Choice
  • In-House Claims

Expert Insurance Agents in Memphis, TN

Give us a call or use our online form to contact us at Keltner Insurance of Memphis, TN. One of our agents will be happy to discuss your classic boat insurance options to keep your valuable investment protected.

Is Motorcycle Insurance Required in Tennessee?

Do I Need Motorcycle Insurance in Tennessee?

Tennessee can be a great place to cruise on your motorcycle with scenic destinations like the Great Smoky Mountains at your doorstep. It is important to make sure you are practicing motorcycle safety including wearing helmets and other protocols, as well as carrying quality motorcycle insurance. Tennessee is an "at fault" state and riders are required by law to carry a minimal amount of insurance. However, a minimal amount of liability will not protect you from more serious accidents. If you are at fault during an accident and you do not have insurance, you will be liable for damages and need to pay out of pocket. This can be financially devastating. Having the right type and amount of coverage before you hit the road on your bike is crucial for your and others’ safety.

The team at Keltner Insurance of Memphis, TN has years of collected experience helping motorcyclists in Tennessee with affordable and effective insurance.

Types of Coverage

There are several types of motorcycle insurance that include:

  • Liability – This type of insurance covers expenses when you are liable for damages.
  • Collision – Covers your motorcycle under almost any collision circumstances.
  • Comprehensive – Certain events like fire or theft fall under this type of insurance.
  • Emergency Roadside Assistance – This add on to your policy will give you practical assistance if you break down on the road. It can help with fixing flats, towing, and other services.

Expert Motorcycle Insurance in Tennessee

Give us a call or use our online portal to reach out to us at Keltner Insurance of Memphis, TN to discuss your motorcycle insurance options. We work hard with top insurance companies to find high-quality policies that work for you.

What type of life insurance is right for me?

Those that are in the Memphis, TN area are always going to have different insurance needs. A form of coverage that can prove to be a very helpful form of protection is life insurance. This type of coverage will offer financial protection for those that you care about. Choosing the right type of coverage is important and term and whole life continue to be popular options. You should consider the features of each when building your next plan.

Term Life Coverage

One type of life insurance to consider getting is term life protection. This type of coverage is helpful as it will give you insurance protection for a specific period of time and you are able to build a plan that meets your needs in terms of coverage length and dollar amount of protection. Another advantage of this coverage is that it can have more affordable premiums than other types of insurance.

Whole Life Coverage

You can also consider getting whole life insurance coverage. With a whole life plan, you can get coverage that will last for the rest of your life. While the premium payments can be higher, there are also investment benefits that come with this coverage. With each payment you make, some money will build up in an account and will grow with interest. Eventually, you can take money out of this account. 

Picking a life insurance plan in the Memphis, TN area is a big decision. As you are assessing your insurance needs and options in this part of the state, you should call the team with Keltner Insurance. The professionals with Keltner Insurance can offer you great coverage and support to ensure you choose the right life insurance plan that will appropriately meet all of your needs. 

4 Signs You Need Commercial Insurance

If you own a small business, your life is probably hectic. You’re juggling everything from the day-to-day operations to marketing and sales. But have you considered that there are some things you might be forgetting about? One of those could be commercial insurance. This article will cover four signs that its time for this coverage to become part of your business plan.

1. Your Business Has a Large Amount of Inventory

If you’ve got a lot of inventory, that’s an obvious sign your business needs commercial insurance. If your stock gets ruined or stolen due to a fire, a flood, or even vandalism, you can find yourself in serious financial straits. Without the right kind of coverage in place, those losses might mean the end of your business.

2. Your Business Deals in High-End or Costly Products

If your company deals in high-end products – whether those are handmade items, fine jewelry, or expensive electronics – you need to have commercial coverage. No matter how much security you implement, there’s always a chance of a break-in at your place of business. That means the loss of your inventory and the business itself if you can’t cover those expenses.

3. You Use Products or Equipment That Can Cause Injury

Employees are the lifeblood of any business, but they also expose that company to a lot of liability. From slips and falls to faulty products, there are plenty of ways an accident can happen on the job. At small companies that don’t have many assets, these accidents can bring down your business permanently.

4. Your Customers Are at Risk of Injury From Your Product or Service

Whether they are visitors to your store or customers you service in their homes, your clients and customers can get injured because of something you did or didn’t do. When that happens, you can end up with lawsuits or even criminal charges against your business. That’s why commercial insurance is a must.

The Right Insurance for Your Business in Memphis, TN

Commercial insurance is something most entrepreneurs overlook. This can be a costly mistake that results in the loss of your business, so remember to protect yourself and your company with a policy from Keltner Insurance.