Do you always need to have life insurance in Tennessee?

Anyone who lives in the Memphis, TN area is going to need to obtain proper insurance plans. One type of insurance that all people in this part of Tennessee need to have is life insurance. This is a valuable type of coverage that can help provide financial support to your dependents and offer other long-term financial benefits. There are various reasons why you should always have this coverage here. 

Provide Financial Support

All people in this part of the state need to have life insurance so they can offer financial support for their dependents. If you have people who rely on you for financial resources, life insurance is a great way to ensure you can cover their expenses in the future. With a life insurance plan, your dependents will receive a death benefit if you were to pass away during the policy period. 

A full life insurance plan in Memphis is also a good idea, as it can be a great investment alternative. With a whole life plan, your policy will build a monthly cash value as you make premium payments. In the future, you can liquidate this account while still receiving life insurance protection. This can make it a good investment option as well. 

It is always important for people in the Memphis, TN area to carefully assess their life insurance needs. When you are looking for a new life insurance policy in this part of the state, calling our team with Keltner Insurance would be a great idea. When you call our Keltner Insurance insurance team, you can get all the support you need to build a proper plan and ensure you have appropriate life insurance coverage. 

Top Types Of Commercial Insurance For Your Memphis Business

Navigating commercial insurance can be challenging for Memphis, TN businesses; no one knows that better than Keltner Insurance. Take a quick look at three of the most common types of commercial insurance and how our team can help you find the right policies for your company. 

Business Liability Insurance 

Business liability insurance is a type of general coverage that protects you from lawsuits filed against your company for things you may be liable for, such as an injury to someone on your property. This policy pays their medical bills, attorney’s fees, and any other damages you would be required to pay the plaintiff. 

For example, if someone on your property slipped and fell and had to go to the hospital, your business liability insurance would cover the claim. 

Commercial Property Insurance  

Commercial property insurance is designed to provide protection for your tangible assets, like your building, equipment, and signage. Without this type of coverage, businesses will be responsible for paying to repair damage caused by storms, fire, theft, acts of vandalism, and other property damage. 

An example would be if someone set fire to your building and demolished it. If a claim is covered, commercial property insurance will reimburse you for the value of all the destroyed assets. 

Umbrella Insurance  

Umbrella insurance is an additional policy that you can purchase to obtain coverage that extends beyond the policy limits of your standard commercial insurance. This coverage extends to business liability and commercial property insurance, so your umbrella insurance will kick in if a claim exceeds either of those policy limits.   

Keltner Insurance agents can help businesses in and around Memphis, TN get the commercial insurance coverage they need to protect their assets and the future of their companies. Call now to learn more.

Is Your Home Covered Against Lightning Damage?

There are many home risks, including damage from lighting and storm-related events. If you want to protect your home against damage due to natural events, talk to the professional at Keltner Insurance. We offer top-quality insurance products to residents in and around the Memphis, TN area. 

Protection From Lighting

If your home has adequate insurance, you are protected against incidents like lightning strikes. This type of coverage is vitally important because lighting can cause extensive damage in some instances and may even cause fires. Your structure’s integrity may also be compromised, as well as your electrical and other essential fixtures. Always carry home insurance, whether your home is paid for or being financed, to avoid incurring out-of-pocket expenses. 

Suppose you would like to learn how home insurance can offer protection from natural disasters and other weather-related events. In that case, you can count on the Keltner Insurance team to provide guidance and answers. We can assess your current needs and recommend insurance products that meet or exceed them. We take the time to explain the terms and conditions and help you submit the necessary documents to obtain coverage or submit a claim. 

Reach Out Today

If you want to work with one of our knowledgeable insurance agents, you can stop by or call Keltner Insurance today. We are proud to offer quality insurance products to the residents in and around the Memphis, TN, area. We aim to provide you with a blanket of protection against various risks like lighting strikes, so you can feel secure and avoid out-of-pocket losses related to the event. Let us show you how to get the coverage to protect your home year-round.

Common Auto Insurance Myths Debunked in Memphis, TN

At Keltner Insurance, we understand that there are many myths surrounding auto insurance, and as a trusted provider, we aim to debunk these common misconceptions. By doing so, we hope to help drivers make informed decisions about their coverage in Memphis, TN.

Myth 1: Red Cars Cost More to Insure

Contrary to popular belief, insurance companies do not consider a car’s color when determining rates. Factors such as the vehicle’s make, model, age, and safety features have a more significant impact on insurance costs.

Myth 2: Personal Auto Insurance Covers Business Use

If you use your vehicle for business-related activities, you may need to purchase additional coverage or a separate commercial auto insurance policy. We can help you determine if your personal auto insurance policy provides adequate coverage for your business needs.

Myth 3: The Minimum State-Required Coverage is Sufficient

Tennessee drivers are required to carry a minimum amount of liability insurance. However, relying solely on the state-required minimum may not provide enough financial protection in the event of an accident. We can help you find a policy that meets your unique needs and offers the appropriate level of coverage.

Myth 4: Your Insurance Covers Anyone Who Drives Your Car

While many auto insurance policies do extend coverage to occasional drivers, this is not a universal rule. Your policy may have specific limitations or exclusions regarding who is covered when driving your vehicle. Reviewing your policy and consulting with us if you have questions about who is covered is essential.

Understanding the truth behind common auto insurance myths is crucial for securing the right coverage in Memphis, TN. At Keltner Insurance, we’re here to provide accurate information and advice, ensuring you make informed decisions about your auto insurance needs. To learn more or to discuss your coverage options, contact us today.

Can You Add Roadside Assistance to Your Motorcycle Policy?

As spring warms the days in Memphis, TN, many motorcyclists take to the roads to enjoy the spring air and sunshine. Keltner Insurance wants to help prepare you for the inevitable with an important option to add to your motorcycle insurance – roadside assistance.

Roadside Assistance for Your Motorbike

Whether you opted for insurance covering the state’s minimum required bike insurance or chose full coverage, we suggest you add roadside assistance to your coverage. This low-cost add-on provides a bevy of benefits.

Tow Trucks if Your Bike Breaks Down

It covers towing and labor if your motorcycle breaks while you enjoy a ride. Even if your bike breaks down at or near your home, you can phone roadside assistance for a tow to the nearest garage.

Roadside Gas Concierge

If you run out of gas while riding, roadside assistance saves you. When you phone the toll-free number, a dispatcher sends a tow truck with a gallon of gas to your location. This gets you on your way again.

Flat Tire Help

Roadside assistance covers a plethora of problems, including flat tires. If you experience a flat while on a ride, use your roadside assistance to get a tow to the nearest tire shop. Your motorcycle insurance covers reimbursing you for repairs, so as long as you file an acceptable claim for the tire damage, you’ll get back the money you spent on the new tire.

Contact Us Today

Contact Keltner Insurance, serving Memphis, TN, to add roadside assistance to your motorcycle insurance policy. Let us help you remain prepared for any situation arising from your enjoyment of your motorcycle.

What Does Condo Insurance Cover?

Purchasing a condo is an exciting event in your life, and you will want to protect the investment you have made in your new home with the proper insurance policy. The agents at Keltner Insurance, serving the Memphis, TN area, want you to understand that your condo association is required by law only to have insurance on the exterior part of your condominium and the common buildings throughout the property in which your condo is located. This means you need to have your condo insurance policy to ensure that everything else you own is adequately covered.

Condo Insurance Coverage

Condo insurance is similar to a home insurance policy since it covers your personal belongings. This could include your clothing, makeup, toiletries, household items, appliances, and furniture. Suppose these items are stolen in a burglary, or they are destroyed or damaged by a fire at your condo or some other event, such as a natural disaster or act of vandalism. In that case, you will need help in being able to replace or repair these things. This is when your condo insurance policy will be convenient since it can assist you with these expenses. For example, suppose your condo suffers a fire, and you need to move out for a period of time since it is unlivable until it’s repaired. In that case, your condo insurance can assist you in paying for another place to live while the renovations are being completed. This type of condo insurance policy is the most popular one, but there are two others.

Two Other Types of Condo Insurance

If your condo association does not cover the outside area of your condo, you can get an all-inclusive condo insurance policy that will cover everything on the inside of your condo as well as the outside.

You can also choose to have a special entity condo insurance policy that will cover the structure of your condo along with any fixtures that are in place in or around your condo.

Get Your Policy Started

Please do not wait until something happens in which you need condo insurance to obtain it. Call immediately to start your policy with the agents at Keltner Insurance, serving the Memphis, TN area!

Five Fast Facts about Tennessee RV Insurance

 When traveling or living permanently in your RV, there’s one thing that all owners need — insurance. Keltner Insurance of Memphis, TN wants to ensure you understand your insurance needs regarding RVs.

Learn these five facts about RV insurance today!

1. RVs are also automobiles. While an RV may be a permanent home to many, its ability to drive down the road or highway classifies it as an automobile and, therefore, subject to auto insurance laws.

2. Since 2017, uninsured drivers of an auto in Tennessee may face hefty fines and the potential loss of their vehicle. Insurance can be verified in a state database as proof of coverage under the James Lee Atwood Jr. Law.

3. Tennessee drivers must provide proof of minimum insurance coverage. Minimum coverage amounts include the following per state law, which does not necessarily correlate with your insurance premiums:

  • state legal minimum coverage for each injury or death per accident.
  • state legal minimum for total injuries or deaths per accident.
  • state legal minimum for property damage per accident.

4. Minimum coverage does not protect your own RV against damage, only liability. Most RV owners will also choose a comprehensive insurance plan covering damage to their own vehicles from collisions or natural events like hail.

5. RVs with significant assets inside may also choose supplemental insurance coverage for these belongings. This coverage is often divided into full-time or vacation, depending on your RV use.

Don’t get caught unaware; get prepared. RV insurance can help protect you both on the open road and at the RV campsite. Keltner Insurance of Memphis, TN can help you find the right policy for the region. Contact us for a quote today!

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.