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Anthony Lancaster Insurance, Inc Blog

Tag: Memphis TN

5 Questions to Ask When Looking for Boat Insurance

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Knowing which questions to ask when you explore boat coverage options can help ensure you get the best boat coverage for your needs. Anthony Lancaster Insurance Inc, serving the Memphis, TN community, is here to help!

Do I need boat insurance?

Most states require you to carry liability insurance on your boat, but many boat owners choose to carry additional coverage to protect their investment. At Anthony Lancaster Insurance Inc, we can help you secure coverage that meets both state laws and your own personal requirements. 

Does this policy cover my personal property?

It’s common to accumulate costly personal property on your boat that faces the same risks as your boat: theft, accident, or water damage, for example. Understanding whether your personal property – like depth finders, fish finders, life vests, and inflatables – is covered or not will help ensure you’re comparing apples to apples as you consider different plan options. 

How is my boat trailer covered?

It’s important to discuss the liability associated with towing a boat trailer. This typically falls under your auto insurance, and an experienced agent can help ensure your policy covers any liability you might incur while towing your boat. 

Does this policy cover roadside assistance?

Knowing whether a policy covers roadside assistance helps you compare plans side by side. Roadside assistance can help if you break down and need to be towed off the water.

Do I need umbrella insurance?

If you often host others on your boat, pull intertubes or skiers behind your boat, or own a luxury boat, you may need umbrella insurance. We can help you determine whether umbrella insurance is necessary for your unique situation. 

Reach Out To Us

Get your boat insurance quote at Anthony Lancaster Insurance Inc in Memphis, TN today!

Does homeowners insurance cover floods?

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Homeowners insurance from Anthony Lancaster Insurance Inc may provide some coverage for flooding, but it is important to understand the specifics of your policy and any potential limitations.

Flooding is a common cause of property damage in many parts of the world, including here in the Memphis, TN area, and it can be expensive to repair. Homeowners insurance typically does cover water damage caused by heavy rains or storms, but there are usually exclusions for flooding caused by natural disasters like hurricanes or floods. It’s also important to remember that even if you have some coverage for floods, there are often limits on the amount you can claim in damages.

When deciding whether to purchase flood insurance in addition to your homeowner’s policy, consider the risks associated with your location and any local regulations that might apply. Depending on where you live, you may be required to have flood insurance as part of your homeowner’s policy. Additionally, if you live in an area prone to flooding, purchasing additional coverage could help protect your home and other belongings from devastating losses due to a major flood event.

We Are Here To Help

Knowing the details of your coverage can help give you peace of mind that your home and belongings will be protected from any type of flooding. At Anthony Lancaster Insurance Inc, we understand that it can be difficult to navigate the different types of insurance coverage available. Our agents are here to answer your questions and help you find the coverage that best fits your specific needs.

For more information, give us a call today. We are proud to serve the Memphis, TN area and would be happy to help.

Is Life Insurance Ideal for Business Partners?

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When you think about the benefits of life insurance, most people picture providing their loved ones with financial resources should they pass away unexpectedly. However, many must realize that life insurance is also an excellent tool for protecting a business partner. Anyone in the Memphis, TN area can count on Anthony Lancaster Insurance Inc to help them understand the ins and outs of life insurance.

Life insurance Protection 

An individual may choose to purchase an insurance policy to help protect the financial interests of their business. This can be accomplished by naming your business partner as a beneficiary should something happen to you. This strategy helps ensure that a business can continue to operate without devastating financial impacts due to a business partner’s untimely death.

Our team of highly knowledgeable insurance professionals can work with each customer to help them understand the ins and outs of life insurance and determine which policy options work the best for their specific needs. They can also help them through the policy selection process and carefully explain the terms and conditions so that they are fully informed policyholders.

We carefully assess each individual’s situation and use that information to help match them with policies that provide the most benefit. We not only assist with the policy selection process, but we can also assist with any changes during the lifetime of the policy or assistance with claims. It’s all a part of our commitment to providing customers with the best life insurance solutions.

Reach Out Today 

If you would like to learn more about life insurance or any other quality insurance products we offer, we encourage you to call or stop by the office of Anthony Lancaster Insurance Inc. We are proud to provide the residents in and around the Memphis, TN area with exceptional customer service.

Why Renter’s Insurance Is Important

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Though Tennessee law doesn’t require renter’s insurance, it’s essential to understand why you would want to have it to protect you, your belongings, and your visitors. Though some landlords require it, renter’s insurance remains overlooked by many, who might assume their landlord’s insurance covers them. Anthony Lancaster Insurance Inc. can help Memphis, TN area renters navigate this important coverage.

A landlord’s property insurance will protect their house, apartment, or duplex. The renter’s insurance covers any personal property and other liabilities. To maximize your own protection, here’s why you might want to think twice before skipping it.

It Covers Personal Property Loss

Your personal property refers to items like clothing, furniture, electronics, luggage, and jewelry. Renter’s insurance protects against personal property losses from various perils, including fire, explosion, theft, and vandalism.

Personal property and belongings will also be protected if you are traveling. Even if the items are in your car or purse while you are away, the policy will apply to them.

It Covers Certain Liabilities

Standard renter’s insurance policies include liability coverage if someone gets injured in the home. The insurance will cover any court judgments and legal expenses to the policy’s limit. It will also cover medical costs for non-residents and guest injuries.

It Can Cover Additional Living Expenses

If one of the perils makes the residence uninhabitable, then the renter’s insurance can pay for temporary, additional living expenses, including food, laundry, and hotel parking. Policies vary about the amount and duration they will cover for this.

For a thorough review of what a renter’s insurance policy covers, talk to an experienced insurance professional about discounts, deductibles, and coverage limits.

We Are Here To Help!

Contact the experts at Anthony Lancaster Insurance Inc., servicing Memphis, TN for your renter’s insurance policy needs.

How to Enforce Safe Driving for Your Teen

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There are few things more worrisome for a parent than when your teenager finally gets behind the wheel. Here at Anthony Lancaster Insurance Inc, we want to help parents in Memphis, TN and the surrounding areas, prepare their teens for safe driving.

Here are some ways to enforce safe driving for your teen:

Clear Rules 

Driving is new for your teen. You can never assume that they already know anything. It is your job as the parent to very clearly outline the rules for safe driving. If you assume they already know something, and you are wrong, it could mean disaster. Not only should you clearly define the rules, but you must also frequently review the rules as well. 

Clear Consequences 

Driving is one area you cannot afford to be lenient on. When it comes to road safety, there is too much at stake for the consequences to be unclear or inconsistent. It is the nature of most teens to push boundaries and try the rules to see if there really will be a consequence for their actions.

When your teen does this with driving rules, it is your obligation as the parent to be ready for a consequence. Your teen needs to know what the consequences will be beforehand and they need to see that those consequences are followed through every single time a rule is broken. 

Clear Guidance 

The best way to ensure that your teen is safe behind the wheel is to provide them with the right amount of guidance at the right time. Every teen is different, and it is up to you as the parent to discern how much guidance your child needs to be safe. 

Reach Out To Us

If you would like to learn about auto insurance services, don’t hesitate to get in touch with us at Anthony Lancaster Insurance Inc serving Memphis, TN and the surrounding area. 

Four things you shouldn’t assume about motorcycle insurance

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Purchasing motorcycle insurance is essential if you are a biker in Memphis, TN. Let us meet your motorcycle insurance needs at Anthony Lancaster Insurance Inc.

Don’t allow yourself to make inaccurate assumptions about motorcycle insurance. It’s important that you’re informed when you’re choosing a motorcycle insurance policy.

The following are four things you shouldn’t assume about motorcycle insurance:

Comprehensive and collision motorcycle insurance coverage are the same. 

Comprehensive motorcycle insurance is a type of coverage that covers the costs of damage from issues like theft or vandalism. On the other hand, collision coverage covers you for damage to your bike that results from a vehicle accident. 

Your auto insurance policy will cover you when you’re on your motorcycle.

Any auto insurance policy you have is separate from your motorcycle insurance policy. You need to buy motorcycle insurance coverage even if you already have auto insurance. 

You have enough motorcycle insurance if you just purchase minimum coverage.

While purchasing minimum coverage might mean you’re meeting basic legal requirements, it doesn’t mean that you have as much coverage as you should. Going beyond the minimum requirements will make you more protected financially. 

Your driving history behind the wheel of a standard vehicle won’t impact your motorcycle insurance coverage.

Your driving history as both a biker and a car driver are linked. If you have a driving infraction on your record from when you were driving your car, this could push up your motorcycle insurance expenses. 

Reach Out To Us

Are you looking for a quote on motorcycle insurance in Memphis, TN? You can call Anthony Lancaster Insurance Inc to get a quote on a policy that is appropriate for your needs. Call us today to learn more. 

How to Choose the Right Boat Insurance Policy

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For many people, owning a boat is a dream come true. But, with that ownership comes responsibility—ensuring you have adequate coverage. If you live in Memphis. TN and are looking for boat insurance, it’s important to know the policies available and how to choose the right one for your needs.

Types of Boat Insurance Policies 

Before deciding on a boat insurance policy, it’s important to understand the different coverage available. There are four major categories of boat insurance policies: liability, uninsured boater, medical payments, and physical damage coverage. Each type offers its own set of benefits and protection. 

Let’s look at each type more closely:  

 Liability Coverage

This type of policy protects you from financial loss if you cause an accident that causes injury or property damage to another person or their property. It also covers legal fees if you are sued because of the incident.  

Uninsured Boater Coverage

This provides coverage if you are involved in an accident caused by an uninsured boater. It can also cover your repairs if they exceed the other party’s coverage limits. 

Medical Payments Coverage

This policy helps cover medical expenses incurred from injuries sustained while operating your vessel. It can also help pay for lost wages due to lost time at work associated with treating those injuries.  

Physical Damage Coverage

This helps cover repair or replacement costs associated with damaged or destroyed vessels resulting from an accident or natural disaster, such as a hurricane or flood.      

Your Anthony Lancaster Insurance Inc agent can help you understand the different options available and choose the policy that best fits your needs.

Choosing the Right Policy for You 

When selecting a boat insurance policy in Memphis, TN, several factors – such as age, size, and purpose – should be considered. These factors will help determine the type and amount of coverage you need.

Contact Anthony Lancaster Insurance Inc today for more information about our services!

What does flood insurance cover?

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If you live in a flood-prone area, it’s important to have flood insurance. Flood insurance will help protect your home and belongings in the event of a flood. Anthony Lancaster Insurance Inc in Memphis, TN is happy to assist with any queries you may have. 

Here we discuss what flood insurance covers, how much it costs, how to get it, and the benefits of having it. We will also provide tips on what to do if your home is flooded.

Flood Insurance: What You Need To Know

First, let’s talk about what flood insurance covers. Generally speaking, flood insurance will help protect your home and personal belongings in the event of a flood. This can include damage to your home or property, as well as damage to your personal belongings such as furniture, clothing, electronics, and other valuable items.

Next, we will discuss how much flood insurance typically costs. The cost of flood insurance depends on a number of factors, including the location and severity of the flooding risk in your area. In general, though, you can expect to pay several hundred dollars per year for coverage. However, it is important to remember that this is a small price to pay for peace of mind in the event of a catastrophic flood.

Now let’s talk about how to get flood insurance. Most people obtain flood insurance through the National Flood Insurance Program (NFIP), which is run by FEMA and is part of the federal government. You can find out more information and purchase a policy on the NFIP website, https://www.fema.gov/national-flood-insurance-program. Alternatively, you can also contact an independent insurance agent, like those at Anthony Lancaster Insurance Inc, who can help you get a policy that meets your needs.

Get Flood Insurance Today

If you have any additional questions about flood insurance, please give Anthony Lancaster Insurance Inc a call today. We proudly serve the Memphis, TN area.

What is the value of having a life insurance plan in Tennessee?

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For those that are in the Memphis, TN area, ensuring that they are appropriately covered by insurance is very important. While there are many types of insurance to consider obtaining, one of the most valuable can be life insurance. A life insurance plan is a unique form of coverage that offers various advantages and forms of support. 

Life Insurance Benefits

Financial Protection

One of the primary reasons why someone will obtain a life insurance plan is so they can receive financial protection for the beneficiaries of the policy. If you have dependents in your life that rely on your income for their basic needs, it is important to ensure that they are covered financially in the future. A life insurance plan can be built to ensure they get the coverage necessary. Even if you do not have dependents, life insurance could provide your loved ones with some additional resources. 

Good Investment Option

It is also a good idea to get a life insurance plan when you are in this area as it can provide you with another investment option. Whole life insurance is a popular option as you receive life insurance protection and a part of your payments are built into an account that grows with interest. At some point, you can close the account and take the cash out of it. 

Contact Us Today

If you are looking for a new life insurance plan and are in the Memphis, TN area, it would be a good idea to begin your search by calling Anthony Lancaster Insurance Inc. The professionals with Anthony Lancaster Insurance Inc understand the value and need for this coverage. Our team will offer any support that you need to create an ideal policy that meets your needs. 

When do I need to add my teen driver to my policy – when she gets her permit or when she gets her license?

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You’ve done it – your child is old enough to start learning to drive! Maybe they’re excited, maybe they’re nervous, but one thing is for sure – you’re probably wondering when you need to add them to your car insurance policy. Do you add them when they get their permit or when they officially get their license?

Here are some thoughts from Anthony Lancaster Insurance Inc:

Adding Your Teen Driver To Your Policy: Permit vs. License

In Memphis, TN, you are not required by law to have your teen driver added to your policy until they actually get their license – but that doesn’t mean you shouldn’t add them as soon as they get their permit! By adding them to your policy early, you can build up their driving record and start receiving the Good Student Discount if they have a "B" average or above in school.

Some companies will automatically add your teen driver to your policy once they receive their permit, so it’s always a good idea to check with your provider about their specific policies. And of course, if you have any questions about car insurance in general or want help finding the best deal for your family, our team is always happy to chat!

Contact Us Today

In Memphis, TN, you aren’t legally required to add your teen driver until they receive their license, but you may want to add them once they receive their permit. The best way to figure out what’s right for you and your family is to contact Anthony Lancaster Insurance Inc. We’ll help you sort it all out!

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