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Anthony Lancaster Insurance, Inc Blog

Why do you need to have a renters insurance plan?

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An exciting time in anyone’s life can come when they move into a new home in the Memphis, TN area. For those that are going to rent a home, being a renter can come with various advantages including not having as many responsibilities and the flexibility to move at the end of the year. If you choose to rent a home here, you will want to have proper renters insurance in place for various reasons. 

Meet Lease Standards

An important reason for anyone to have a renters insurance plan when they are moving into a new home is to meet the standards of insurance set in the lease. It is very common today for property owners to include insurance provisions in lease agreements. They want to have this due to the protections the coverage provides. You may have to offer evidence of renters insurance before moving into your new home. 

Protections are Valuable

It is also a good idea to get a renters insurance plan because the protections that it provides are quite valuable. With a renters insurance plan today, you will get coverage to replace your personal assets if you are a victim of a fire or theft. Further, you will receive liability coverage that will be helpful if you are found responsible for damages or injuries sustained in an accident or due to negligence.

It is clearly important for anyone that is going to rent a home in the Memphis, TN area to have a proper renters insurance plan. Once you are ready to start looking for a new plan, calling Anthony Lancaster Insurance Inc is a great option. The professionals with Anthony Lancaster Insurance Inc will give any support you need to build a plan that suits your needs. 

What Are Common Myths About Auto Insurance?

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When it comes to auto insurance, there are a lot of myths and misconceptions floating around. It is easy to separate auto insurance fact from fiction with a little bit of research. Here are common myths about auto insurance that research has disproved.

Myth #1: It’s better to let my insurance lapse and restart than go on a new plan

False: It is essential to realize that if an auto insurance plan no longer covers your car, you are at risk for liability exposure in an accident. Auto insurance provides liability coverage which protects you from lawsuits that might be filed against you if you are at fault in an accident.

To ensure that your car is covered under the new plan, contact your agent before canceling your current policy to ensure it is canceled for non-payment and not because of other factors.

Myth #2: Liability is all I need for auto insurance

False: It was once thought that liability coverage provided enough coverage to protect you from unexpected accidents. However, this myth has been dispelled by the research, which shows that comprehensive and collision policies add significant protection in the event of an accident.

Comprehensive insurance covers damage to your vehicle that isn’t caused by an accident, including vandalism, flooding, hail damage, fire, and theft.

Collision insurance covers damage your car sustains in a crash with another object or when you hit the median.

Myth #3: Insurance is the same all across state lines

False: Many people assume that insurance laws are universal, but in reality, each state is different in regulating insurance. Some states have more stringent laws regarding minimum coverage requirements, while others have requirements and restrictions based on driver age and experience.

Myth #4: I don’t drive much, so I don’t need insurance

False: There are many ways in which auto insurance can help you. It doesn’t always have to be a direct result of an accident. For example, if your car is stolen or vandalized and you have comprehensive coverage, you will get the money back to fix it.

It is important to know the facts when it comes to auto insurance. Anthony Lancaster Insurance Inc. in Memphis, TN is available to help you find the right policy. Anthony Lancaster Insurance Inc. in Memphis, TN is ready to answer any questions about your policy. Please call us today to learn more!

5 Common motorcycle insurance claims in Memphis, TN

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Hitting the open road on a motorcycle brings endless freedom. But it can also bring risk.

Unfortunately, accidents happen. Prevention is the best way to keep yourself safe on the roadways.

In addition to providing insurance coverage, Anthony Lancaster Insurance Inc helps you avoid any accidents by identifying five of the most common motorcycle insurance claims.

Excessive speed

Motorcycles reach high speeds quickly. As a result, reckless driving is a leading cause of motorcycle-related fatalities. Don’t leave home without wearing a helmet and other safety gear. Also, minimize unnecessary risk by obeying all posted speed limits.

Debris on road

Excessive speed can also make avoiding obstacles difficult. Unexpected debris that has fallen can lead to serious damage, if unnoticed. Anthony Lancaster Insurance Inc reminds you to stay alert and vigilant.

Distracted Driving

Driving is more dangerous when you are distracted by radios, cell phones, and other electronics. This applies to everyone, not just motorcycle riders. Car drivers must be engaged to spot approaching motorcycles. This is the cause of many insurance claims.

Poor Weather Conditions

As diligent as you may be, you can’t control everything. Fog, heavy rain and high winds will greatly reduce visibility. During inclement weather, even the smallest error or distraction can be costly.

Improper Lane Switching 

The single most common insurance claim is accidents at intersections. More specifically, improper left-hand turns are the leading culprit. Lane splitting is an issue too. This occurs when a motorcycle rider attempts to drive between two lanes to avoid traffic.

Find an agent serving Memphis, TN

Any accident can be fatal, but motorcycle crashes are especially dangerous. Because of this, motorcycle insurance is important. Located in Memphis, TN, Anthony Lancaster Insurance Inc can ensure you and your assets are protected. Call and schedule an appointment today.

Is Boat Insurance Required in Tennessee?

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While boat insurance is not required under Tennessee law, the agents at Anthony Lancaster Insurance Inc in Memphis, TN are providing facts on why it is best to have a boat insurance policy in place. Keep in mind that anyone in Tennessee who is at least 12 years old can operate a boat alone but if they are under 18, they must have a Boater Education Certificate issued by the state of Tennessee to legally operate it. If a person under 12 is operating a boat, they must have a supervisor on board with them that is at least 18 years-old to be able to take immediate control of the boat if an emergency situation occurs.

Liability Boat Insurance

liability boat insurance is just as important as auto liability insurance because it will protect you if you become involved in an accident that is deemed to be your fault and cause property damage or injuries to others.

Collision Insurance for Boats

it’s important to have collision insurance especially in the event that your boat collides with another boat or an inanimate object such as a dock. Also keep in mind that if you borrowed the money to purchase your boat from a bank or other lender, your bank or lender may require you to have both collision and comprehensive insurance to protect the investment they have made in your boat.

Comprehensive Boat Insurance

Comprehensive boat insurance will protect the investment you made in your boat if it becomes the victim of a fire, an act of vandalism, or a natural disaster, including a hurricane or tornado. This type of insurance will also assist you in replacing your boat if it is stolen.

Contact a Trusted Boat Insurance Agent

It is important for you to contact an insurance agent who knows and understands all the aspects of a boat insurance policy, such as the agents at Anthony Lancaster Insurance Inc in Memphis, TN. call today for an appointment to get your boat insurance policy started immediately.

Why would I need flood insurance in Tennessee?

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Those that are in the Memphis, TN area are going to find it is a good place to purchase a home. There are a lot of advantages that come with homeownership here, which includes enjoying price appreciation over the years and having a stable place to call home. As you are looking for a property here, you need to get the right insurance for it. This can include flood insurance. There are a few reasons that you will need to have flood coverage here. 

Coverage is a Requirement for Some

A reason that you may need to get flood insurance here is that it can be a requirement for you. Those that have taken out a mortgage to buy a home in this area of Tennessee will need to abide by any provisions set by their lender. This can include requiring you to get flood insurance if your home is located in a flood zone. Having this coverage will keep you in compliance.

Coverage Protects Home

You will also want to have flood insurance as it can cover your home. You will want to enjoy your property for a long time. Unfortunately, a bad flood can damage your home and result in major repair needs. Your flood insurance plan will protect against this risk.

If you are going to purchase a home in the Memphis, TN area, you will want to know that you have the right insurance for it. The team with Anthony Lancaster Insurance Inc can help you assess your flood insurance needs. The professionals with Anthony Lancaster Insurance Inc will be able to determine your risks and give any support that is needed to build an ideal plan. This will not only protect your home but will give peace of mind as well. 

Tennessee Life Insurance: How to Determine Your Coverage Amount

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When you are considering life insurance, there are a lot of things to take into consideration. The amount of life insurance that you get is a big question. You want to be able to get the most coverage at the rates that work for you. You also want to be sure that your beneficiaries will be taken care of after you are gone.

At Anthony Lancaster Insurance Inc., we know that Memphis, TN residents also want to make sure their dependents are taken care of beyond funeral expenses. We can help you to determine the amount that you need with a policy that works best for you.

How to Determine Life Insurance Coverage Amount

The best way to determine the life insurance coverage amount is to examine what assets or debts you may have at the time of your passing, and how that would be handled by your beneficiaries. It also depends on how many beneficiaries or dependents you have, and what their standard of living currently is.

If you have a mortgage for example, you may want to have that as your minimum coverage amount, with funeral costs and expenses. 

When you are thinking of coverage amount, you may also want to consider what kind of life insurance to get. The kind of life insurance you get could make a difference in your overall coverage.

Permanent Life Insurance or Term Life Insurance

For term life insurance, you would pick a set amount of coverage, and this coverage would be paid out in one lump sum if you passed away during the term. For permanent life insurance, the same sum is paid, but there is no term to your policy. 

After this policy has been in place for some time, you may get some additional benefits from it, such as getting paid dividends on a monthly basis. These figures could be calculated into your life insurance coverage amount when you are designing your policy.

Get a Quote

When you are considering life insurance coverage, the amount is a question that could make you sweat. You don’t need to do that alone. At Anthony Lancaster Insurance Inc., we help Memphis, TN residents to design the life insurance policy that is best for them. Call us for a quote today.

Comprehensive Auto Insurance Policies: Your Options

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Comprehensive auto insurance options help to keep your vehicle protected and secure from many problems. At Anthony Lancaster Insurance Inc, we can set up Memphis, TN residents with the high-quality coverage options that make sense for your needs and your vehicle. Here’s what you need to know about this type of insurance.

What is Comprehensive Insurance?

Comprehensive insurance policies are set up to cover things that other insurance options do not. They work to give you a total level of coverage and should be available from most providers. 

Finding the best comprehensive option for your needs usually requires you to work with a vendor who understands what you need and how to provide it in a way that makes sense for you.

Coverage Options for Comprehensive Insurance 

There are many coverage choices when picking high-quality, comprehensive insurance options. The name “comprehensive” isn’t just a misnomer: it should help to cover just about anything that may happen to your vehicle, including:

  • Serious vandalism from others 
  • Fires and lightning damage 
  • Riots and explosion problems 
  • Thefts in your driveway or elsewhere 
  • Windshield and glass damage 
  • Tree limbs and other falling objects 
  • Rocks or other items kicked off cars 
  • Hitting animals 
  • Various types of storm damage 
  • Earthquakes 

The total range of coverage for your vehicle will vary based on the type of policy that you purchase. Talk to your insurance agent about the different options and additional coverage choices that you can add to your vehicle to get the best results for your needs. 

Protecting Your Vehicle

If you’re concerned about your car or truck in Memphis, TN, and want to avoid serious ramifications, please don’t hesitate to contact us at Anthony Lancaster Insurance Inc to learn more. Our team will set up a comprehensive policy option that works for your needs.

Why do I need renters insurance

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As a renter, you may wonder why you need insurance. Your landlord or management company is responsible for the building you live in, and they have to have insurance, right? Well, they probably do have insurance, but it isn’t going to help you. It covers the building, not your personal property. At Anthony Lancaster Insurance Inc in Memphis, TN, we are your local independent agency, and we are dedicated to providing our customers with the insurance they need at the best possible price. 

Since your landlord’s insurance isn’t going to protect your personal possessions are you prepared to lose everything in your rental? You may not think it is much but imagine having to replace not only your furniture but all your kitchen implements, your clothes, and jewelry as well as your electronics. It could be thousands of dollars most people would find that a hardship. 

Renters insurance also includes liability coverage. If somebody is injured while visiting you or by your pet, you could be responsible for medical expenses, and if they decide to sue, a lot more. Your renters’ insurance would help pay the judgment against you as well as legal expenses you might have, 

If a covered peril hits your rental, and it gets severely damaged where would you stay?  Renters insurance includes loss of use. If your rental is damaged you can stay in a hotel while the damage is calculated and if it is going to be a while until you can move back in, it will pay for a temporary rental until your place has been given the okay to be lived in again. 

These are just some of the reasons that renters’ insurance is something you should be considering. If you have questions or concerns, the knowledge team at Anthony Lancaster Insurance Inc in Memphis, TN is here to offer our expertise. 

Must Know Motorcycle Road Safety Tips

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Riding a motorcycle is rather dangerous, at least compared to driving a car. That said, with proper diligence and practice, you can greatly reduce the risk of suffering an accident. We’re going to cover some tips for increasing safety that every motorcycle driver should consider.

If you do own a bike, you should get the right motorcycle insurance plan. If an accident occurs, even if it’s no fault of your own, you may be facing some hefty bills.

Get in touch with Anthony Lancaster Insurance Inc, serving the greater Memphis, TN area, if you have any concerns.

Tips For Increasing Safety While Riding Motorcycles

First, you need to make sure you’re wearing the proper gear when you ride a motorcycle. Every motorcycle rider should wear a helmet. If you get in an accident and you aren’t wearing a helmet, the risk of a serious injury increases. Riding suits are often wise as well and could protect you from road rash.

Weather can have a huge effect on your riding. If you ride in the rain, the risk of wiping out may increase greatly. Strong winds too could knock you off. So before you suit up, make sure you check your favorite weather app.

Situational awareness is vital for motorcycle riders. Often, motorcycle riders aren’t the ones causing accidents. Instead, people who are texting and driving, or otherwise not paying attention, may hit you or cut you off. Great situational awareness may greatly reduce risks.

You also need to pay close attention to your bike and should make sure it’s well-maintained. If the brakes wear out or tires are losing their grip, it could cause an accident.

Make sure you speak with an insurance agent about motorcycle insurance. You’ll want liability coverage in case someone else gets hurt. High coverage to cover any medical bills resulting from a crash is wise. Protecting your property is important too.

Contact Anthony Lancaster Insurance Inc, which serves the greater Memphis, TN area to learn more about motorcycle insurance.

Boat Insurance Myths

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Though not required in Memphis, TN, it is highly recommended for boat owners to have some form of boat insurance. However, there is so much information about boaters insurance, and some of it is not true (or partially true). If you own a boat, check out these common myths about boaters insurance and then give our office, Anthony Lancaster Insurance Inc, a call to learn more about purchasing boaters insurance. 

Myth: Boaters insurance is not required, so it is not needed. 

Fact: Even if boaters insurance is not a requirement in Memphis TN, boats can be expensive, especially in the event of an accident. A boaters insurance can help protect your finances should you have an accident out on the water. 

Myth: Boaters insurance is expensive.

Fact: Many times, the price of comprehensive boat insurance is overestimated by boat owners. When compared to the amount of money, time, and effort you have put into the boat, the cost of insurance is not as expensive as you may think. 

Myth: Buying a boat insurance policy is too confusing and not worth my time. 

Fact: The lengthy contract of a boaters insurance policy that is full of jargon can be intimidating. Despite this, purchasing boaters insurance is not complicated, and your insurance agent can help explain everything, making it less confusing. 

Myth: The cheapest policy is enough coverage. Anything else would be a waste of money. 

Fact: In most cases, the cheapest policy is only a liability-only policy. Your boaters insurance policy should cover you for all the risks you may face while owning your boat, including repairs, property damage, medical bills, and legal fees. 

Make sure you are fully protected and purchase a boaters insurance policy. Call our agents at Anthony Lancaster Insurance Inc today for additional information about obtaining a boaters insurance policy. 

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