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Anthony Lancaster Insurance, Inc Blog

Tag: Memphis TN

Three Types of Coverage Your Auto Policy Should Include

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The state requires people who own a car to have auto insurance. So, what does it protect you against? It includes several types of coverage that each protect you against different things. When you need auto insurance, we’re here to help. Give us a call at Anthony Lancaster Insurance Inc. in Memphis, TN, to get started. 

Property Damage Liability

This type of coverage will pay for damage to someone else’s property after your vehicle has come into contact with it. Most people think of this as just damage to another person’s car. However, it can also cover plant damage, monument or building damage, etc. If you’re responsible for damaging another person’s property, your policy can pay for the repairs needed to that property. 

Bodily Injury Liability

This works much like property liability coverage, paying for the damage that someone else experiences. In this case, it’s the physical injuries that are covered. Even a wreck that isn’t that bad can lead to serious injuries. And just because injuries aren’t that bad, that doesn’t mean that they won’t be expensive to treat. It’s essential to have this coverage to pay the medical bills of another party when you’re legally responsible for paying it. 

Collision Coverage

This is not liability coverage. Instead, it pays for your own property damage if you’re at fault for a wreck. Without this coverage, you’d have to pay to repair or replace your car on your own if you caused an accident. With this coverage, the problems can be taken care of so that you can get back on the road again. 

Get Auto Insurance Today

If you don’t have auto insurance, call us at Anthony Lancaster Insurance Inc. in Memphis, TN. 

Determine If Your Modified Motorcycle Needs More Coverage

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Did you recently have work done on your motorcycle? If so, the modifications may require you to modify your existing insurance policy. You may qualify for increased coverage or a specific type of coverage. Please consult with one of our agents who serves Memphis, TN, for more help.

Mechanical Improvements

Mechanical improvements will increase the safety of your motorcycle. The improvements will make your motorcycle more valuable, too. If you performed the upgrades yourself, use your receipts to determine how much money you have invested in your bike.

If a mechanic was previously hired to upgrade your motorcycle, contact them for a copy of the repair bill. The bill will highlight the cost that you paid for each of the upgrades.

Accessories

Keep track of the accessories that were installed on your bike. Some items of value may benefit from being added to your existing insurance policy. A GPS tracking device, new lights, and other modern accessories of value should be covered by your insurance. Prepare a list of accessories you would like to seek coverage for.

Safety Features

If you have chosen to add safety features to your motorcycle, they may qualify you for a discount on your insurance. You will need to furnish information about the safety upgrades during your consultation with an insurance agent.

Contact Anthony Lancaster Insurance Inc.

Make sure that your motorcycle is equipped with the level of coverage you need when you are actively operating it or storing it. One of our agents representing Anthony Lancaster Insurance Inc. will schedule an appointment to consult with them. After your consultation, you will be able to pick out the insurance coverage type that you prefer.

FAQs About Boat Insurance

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If you own a boat or watercraft, it’s important to understand boat insurance. At Anthony Lancaster Insurance Inc., in Memphis, TN, we offer boat insurance. 

What Does Liability Boat Insurance Cover? 

Boat insurance typically covers bodily injury liability and property damage liability. Bodily injury liability will cover others injured in an accident that is your fault. Property damage liability covers damage to other boats and property due to an accident that is your fault. 

What Does Property Protection Cover?

Property protection will cover your boat. If it’s damaged, this policy will cover the costs of repair or replacement. 

What is Towing and Assistance Coverage? 

Towing and assistance coverage will reimburse you if your boat needs to be towed or you need assistance. If your boat stops on the water, this policy covers towing the boat to a repair facility. It also covers battery jumpstarts and being brought gas. 

Do I Need Coverage if I Have an Inexpensive Boat? 

If you have an inexpensive boat, you may not need property protection. However, liability boat coverage is still important because it covers damage to others’ property and injuries.

Is My Boat Covered Under My Homeowner’s Policy?  

Your homeowner’s policy may provide limited coverage for your boat when it’s on your property. When you are on the water or traveling to a body of water, most homeowner’s policies don’t protect your boat. 

Who is Covered Under My Boat Insurance Policy? 

Your policy will cover anyone who is listed on the policy. It may also cover extended family, marina personnel, and other operators who use your bot occasionally. 

Reach Out To Us

If you need boat insurance in Memphis, TN, contact us at Anthony Lancaster Insurance Inc. Our friendly and experienced agents will speak with you about the best policy for your needs. 

What Are the Different Types of Flood Insurance?

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Even though flood insurance is not legally required in Tennessee, a mortgage lender might require homeowners to carry this type of insurance. There are different types of flood insurance you’ll want to consider and important reasons to make sure you carry adequate insurance in case of flooding.

The Different Types of Flood Insurance

There is government flood insurance and private flood insurance available in Memphis, TN.

Government Flood Insurance: The federal government provides flood insurance through the National Flood Insurance Program (NFIP). This is also sometimes referred to as FEMA insurance. NFIP generally offers two types of coverage: building property coverage and personal property coverage. It’s important to note that government insurance is subject to a variety of regulations and restrictions that don’t apply to private insurance.

Private Flood Insurance: Increasingly, flood insurance is being provided by private companies. Private flood insurance is a great alternative to government options for several reasons. Private flood insurance is often less expensive and will sometimes provide more benefits. For example, some private insurance will offer higher levels of protection and additional coverage that NFIP doesn’t offer.

Why You Might Need This Type of Insurance

Tennessee has a lot of rivers. In fact, there are over 60,000 miles of rivers, creeks, and streams in the state. There is a great potential for flooding. The fact that most homeowner insurance policies do not cover flooding, makes it crucial to find adequate flood insurance.

Anthony Lancaster Insurance Inc. in Memphis TN

We can help you find the right flood insurance policy that meets your specific needs. We provide a wide range of insurance needs for our customers. Contact us at Anthony Lancaster Insurance Inc. so we can work on making sure you’re covered!

Four ways your life insurance policy can ensure financial security for your family

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Life insurance is an important financial product to purchase if you are a head of household with dependents who rely on you for financial support. You can purchase a life insurance policy in Memphis, TN from Anthony Lancaster Insurance Inc.

The following are four ways your life insurance policy can ensure financial security for your family:

Life insurance provides financial support that can replace the policyholder’s income.

Your beneficiaries rely on your income. If you pass away unexpectedly, life insurance can replace your income and cover living expenses for your dependents. 

Life insurance covers funeral and burial costs for the policyholder.

Consumers shouldn’t underestimate how expensive it is to pay for funeral and burial costs. Fortunately, life insurance can cover these costs so that your surviving loved ones don’t have to pay them out of their own pocket. 

Life insurance can cover any estate tax costs.

Estate taxes can be costly and significantly reduce the value of the assets that you are able to pass on to your beneficiaries. Life insurance can pay for estate taxes so that you’re able to leave all of your assets to your surviving loved ones in your will. 

Having life insurance can ensure that surviving family members won’t lose their family home.

Without your income, it might be impossible for your surviving dependents to pay the mortgage and real estate taxes on your family’s home. However, life insurance can provide your dependents with the funds they need to keep your family’s home after you pass away. 

Schedule A Consultation Today

At Anthony Lancaster Insurance Inc, we’re here to answer any life insurance questions you have. Consumers in Memphis TN can call us today for a life insurance policy quote. 

How renters insurance can help you survive a natural disaster

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Natural disasters are on the rise all over the country. Being prepared to survive a natural disaster means not only preparing your rental the best you can but also protecting your possessions. At Anthony Lancaster Insurance Inc. in Memphis, TN, we offer a variety of different rental insurance policies to help you have financial security. If you are thinking you can save a little money by not having this valuable coverage, that is a mistake. 

Your possessions

Imagine losing everything that is in your rental to a tornado, hurricane, or wildfire. You may think that your landlord or management company has insurance that will protect you, but they don’t. They have insurance that will protect them, not you. So the building is covered but not what you own. If you lost all of your clothing, furniture, electronics, and appliances how would you cope? Do you have the money it would take to replace it all at one time? If you are like most people, it would be difficult. 

Loss of use

If your rental is damaged or destroyed by a natural disaster, where would you go? Do you have a place to stay while you look for a new rental or for your rental to be repaired? This can be expensive and finding a short-term rental can be challenging. If you have renters insurance, you will be able to stay at a hotel in the short term, and it will help pay for a temporary rental while you try to find a new place to live. 

Liability coverage

If someone is injured at your rental or by a member of your family, this insurance will help you to pay any damages and legal fees. 

Schedule A Consultation Today

Contact the office of Anthony Lancaster Insurance Inc. in Memphis, TN to discuss your rental insurance needs. 

Oh, Deer!

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What North American animal causes the most deaths per year? It’s not the grizzly bear. It’s not the great white shark. It’s the deer! Gentle as these herbivores appear, Bambi causes an average of 200 fatalities per year from vehicular collisions. With fall coming, the chances of hitting a deer are going to start rising. Fortunately, deer can’t sue for damages. Unfortunately, you can’t sue them for damages either. So what can you do? 

What To Do If You Hit a Deer

If it is at all possible, move your car off the road and put on the emergency flashers. Call 911 and tell them where you are and what happened. Take photos and videos of the accident scene. Don’t touch the deer. It may only be stunned or injured and may lash out in fear. Those hooves and antlers can hurt! Game wardens and other authorities will take responsibility for it. Pretty sure it’s dead, and you’ve got a taste for venison? Only if you’ve got a permit. Check your car to be sure that it’s safe to drive before you go. The police might be able to help you out here. Send the documentation to your insurance agent as quickly as possible. If your vehicle needs repairs, get it done in a body shop approved of by your insurance. 

How Not to Hit a Deer

This can be tricky. Deer move quickly and freeze if startled. They are crepuscular creatures and so will be out when visibility is already low. And they don’t wear reflectors! Though it may seem counterintuitive, do not swerve if you see a deer. This can make you lose control of the vehicle. Do try to slow down, though.

Anthony Lancaster Insurance Inc. Serving Memphis, TN 

If you need auto insurance in the Memphis, TN area, contact Anthony Lancaster Insurance Inc. We will get you a fair settlement. 

Does Your Motorcycle Policy Protect You From Theft and Vandalism?

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If you’re a motorcycle owner in Memphis, TN or the surrounding area, you can count on the team at Anthony Lancaster Insurance Inc. for all of your insurance needs. Contact our office today to learn more.

Benefits of Comprehensive Motorcycle Insurance

The main benefit of a comprehensive bike policy is the expanded coverage that it provides. Your bike will be covered in the event of theft or vandalism depending on the policy. There are more benefits including increased medical and liability coverage levels. In many cases, the minimum state requirements are insufficient. If you want to make sure that you have the protection you and your bike need, take a closer look at a comprehensive policy. Now’s a perfect time to sit down with your local agent to determine if you have adequate insurance coverage for your needs.

Before you find out that you don’t have the coverage you need, take the time to fully review your current policy. If there are areas of confusion or if you’re just not sure if the policy is right for you, turn to the professionals. There’s no reason to have insurance that doesn’t fully protect you. There are many options when it comes to comprehensive bike policies with one that’s sure to be right for you and your budget. Find out more today about the available options, the coverage they provide, and if they’re right for your needs.

Give us a call today to learn more!

Anthony Lancaster Insurance Inc. is proud to serve the insurance needs of the Memphis, TN community. If it’s time to upgrade your motorcycle insurance to a more comprehensive policy, we’re here to help. Give us a call or stop by the office today to find out more!

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.

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