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Benton White Insurance
  • Credit Cards That Offer Rental Car Insurance Benefits!
    We get the question consistently: Am I covered if I rent a car? The usual answer is YES if you rent in the US. If you rent outside the US, then most likely NO applies. The solution to the NO answers could be with your credit card if you have one. Credit cards offer versatility to your lifestyle. Many cards offer a variety of rewards, one being the rental car insurance benefit. This benefit can save you money every time you rent a car because it provides a free collision damage waiver that would normally cost you $15 to $25 a day. Overview of Benefits Credit card rental car insurance usually covers physical damage, towing, theft, and loss of use (the cost of renting a different car if the first rental comes out of service). Some cards also cover specified medical expenses, the expenses associated with accidental personal injury, accidental death and dismemberment, and loss of personal property. It is normally secondary insurance it supplements your primary automobile insurance...
  • 3 Times You Should Definitely Buy the Extra Insurance and a Few Times You Can Skip It!
    We have great questions from customers quite often asking if the insurance they have acquired from us covers this or that etc. We do our best to answer those questions some easy some not! We offer some of the coverage s that you need but there are times, we ll refer them to other sources for specialty types of coverage s as mentioned in this blog article. Let s discuss some of the most asked questions from the insurance needing public:Pet InsuranceBuy it. It s heartbreaking to watch families have to decide whether or not they can save their pet s life because of finances, says Donnell Hansen, DVM, an oral surgeon at BluePearl Veterinary Partners in Blaine, Minnesota. Insurance gives you extra resources and helps get rid of the guilt. Most plans pay 70 to 90 percent of the cost of procedures, which is significant when you re facing $2,500 for a fractured tooth or upwards of $6,000 for CCL knee surgery. Research policies first, using a site like NerdWallet or ConsumersAdvocate...
  • 7 Questions to Consider When Renewing Your Home Insurance...
    If you own a house, homeowner s insurance is a necessity. Not only do you need it to protect your home and possessions against damage and theft, your mortgage lender will also require that you carry it if you have a loan on your home. It s not enough to simply have coverage, you need to have the right coverage. We ALWAYS suggest that it is a good time to review your policy is when it comes up for renewal annually. Of course, we do it for you here at Benton White Insurance.Insurance companies have the right to change your contract upon renewal. If you aren t really paying attention to it, you could end up with some surprises. We do all that we can to make sure you know of those changes if they occur, but you taking the time to review is added security that you know what is going on with your insurance policy.1. Am I underinsured?Statistically, there are estimates that two out of every three homes in America are underinsured. When purchasing coverage, a lot of people consider only the...
  • Planning on Buying an SUV? Steer Clear of Jeep or Ford!
    We insure a lot of SUV s and as you may know, some vehicle companies are only going to make SUV s in the future as they stop manufacturing private passenger vehicles from their factory lines. Safety is always a concern when one purchases a vehicle. That's why, when the Insurance Institute for Highway Safety released their 2018 SUV safety tests, it caught a lot of people s attention. Many were surprised that two of the most popular midsize SUVs in the U.S. were given a "poor" rating in the latest round of crash tests. The tests measure how well sport utility vehicles protect front seat passengers in certain front end collisions..embed container { position: relative; padding bottom: 56.25%; height: 0; overflow: hidden; max width: 100%; } .embed container iframe, .embed container object, .embed container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } According to the IIHS, the 2018 Jeep Grand Cherokee and 2018 Ford Explorer had difficulty preventing some inju...
  • 10 Steps to Burglar-Proof Your Home Before Your Vacation!
    Two former burglars have shared their tips on how to best protect your home from intruders. The ex criminals, who spoke on the condition of anonymity, revealed these steps all homeowners can take to secure their property, particularly before heading off on their vacation. Some focus on ways to make your home look less appealing to potential intruders, including installing fake burglar alarms and security cameras outside. Others offer tips to safeguard yourself against becoming a target in the first place, like by reducing the amount of information you share on social media.The guide was created in partnership with Bark.com, a UK based listings website for service professionals, which has seen a 42% increase in the demand for home security services.Here are 10 tips to consider!1. Take passports and driving licenses with youCriminals can easily commit identity fraud with this information. It's a modern day crime that is less risky and growing in popularity. Be sure to take your key ident...
  • 4 Questions To Help You Decide If Long-Term Care Insurance Is Right For You!
    Buying long term care insurance is about risk management. It boils down to how you answer these four questions:1. Would a tragic event (i.e. becoming disabled and requiring long term care services) overwhelm and deplete everything you own?2. Given your family history, what is the probability of you needing long term care?3. Do you have ample retirement assets and income to pay for all the costs of long term care?4. Do you mind reducing your estate if the need for long term care occurs?How you answer will determine whether long term care insurance is right for you. According to a LifePlans, Inc. survey, about two thirds of those who buy LTC insurance do so either to avoid dependence on others (69%), protect their assets (67%), make long term care services affordable (66%), or preserve their standard of living (59%)It s been estimated that for folks 65+ about two thirds or more are eventually going to need long term care. But what s often not mentioned is that more than half ...
  • Hit-and-Run Deaths hit RECORD High!
    WASHINGTON, D.C. More than one hit and run crash occurs every minute on U.S. roads, according to new research from the AAA Foundation for Traffic Safety. These resulted in 2,049 deaths in 2016 the highest number on record and a 60 percent increase since 2009. With the number of hit and run crashes on the rise, AAA is calling for drivers to be alert on the road in order to avoid a deadly crash and always remain on the scene if a crash occurs.AAA researchers examined common characteristics of hit and run crashes and found that:An average of 682,000 hit and run crashes occurred each year since 2006.Nearly 65 percent of people killed in hit and run crashes were pedestrians or bicyclists.Hit and run deaths in the U.S. have increased an average of 7.2 percent each year since 2009. Hit and run crashes in the United States are trending in the wrong direction, said Dr. David Yang, executive director of the AAA Foundation for Traffic Safety. Our analysis shows that hit and run crashes are ...
  • Why Does ANYONE Do This?
    We have been candid and completely forthright with our thoughts about TEXTING and DRIVING or DISTRACTED DRIVING! One action IS NOT worth the results of what can happen when you are behind a wheel of a car or riding with someone driving who gets distracted.AT&T has come forward with their IT CAN WAIT! campaign and it s eye opening to say the least. I ll say no more and let this following video speak for us and so many others in saying: IS IT WORTH IT!? .embed container { position: relative; padding bottom: 56.25%; height: 0; overflow: hidden; max width: 100%; } .embed container iframe, .embed container object, .embed container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Insurance rates are already being affected by distracted driving claims. In the future, auto insurance rate increases could be mostly based on these unfortunate events that could cost you your life or the life of someone you love. Let s hope more can be done to prevent future occurren...
  • Homeowners Insurance! Do You Have Enough Coverage?
    We have coverage discussions on two levels most often here in the insurance agency.From the customer: I m not sure I have enough coverage on my home or on my property. How much is enough? From the insurance company: You just wrote a new home insurance policy for one of your insured s and our walk around inspection indicates the dwelling value amount is too low. It s been interesting determining dwelling values over the last couple of years simply because, as the video below will show, the price to re construct a dwelling is higher than the purchase price of the home or property. So that becomes a challenge to educate the insured that if your home is worth $800,000, we need to insure it for $860,000 (which includes the land).This video gives a great view of what so many in this country are facing as we all deal with correct values for insurance coverage:.embed container { position: relative; padding bottom: 56.25%; height: 0; overflow: hidden; max width: 100%; } .embed container ifr...
  • Preparing for the Unexpected! This is SO important!
    What would you do if your home was destroyed by a fire, or one of your water pipes burst while you were on vacation, or a burglar stole valuable items from your home?You can t prepare for everything but planning for the unexpected when dealing with property claims could make these situations easier to handle.Below are some things to consider before a loss happens: Take photographs with a phone camera to document ownership of items. Walk room by room, making notes of items. Don t forget things like artwork, bedding, and clothing. Prepare an inventory list of your property throughout your home. Make sure you record high value items such as antiques, guns, and jewelry. Don t forget storage sheds and your garage for contents you may have outside of the home. If you suffer a loss, below is a checklist of things to do to make the claim go more efficiently: Notify us immediately at Benton White Insurance. We re here to help!Protect your property from further damage. Create an inventory of da...
  • Are You Driving for LYFT or UBER? Are You Insured Correctly?
    Two peer to peer trends that are growing in popularity are ride sharing and personal vehicle sharing, or car sharing. Most people do not realize that their personal auto insurance policy may not cover them if they were to suffer a loss using either service.Ride sharing involves a transportation network company (TNC), such as Uber or Lyft, which provides prearranged transportation services for compensation. This is done by using a digital network (app) to connect passengers with drivers using their personal vehicles to transport people, goods, items or products for a fee. Individuals like to use a TNC as an alternative to taking a taxi or renting a vehicle, and those who drive for a TNC do so as a way to make extra income.A personal vehicle sharing program, or car sharing, provides individuals with the opportunity to list their personal vehicle(s) online for rent to others. This gives vehicle owners an opportunity to make some extra money with a vehicle that they may not often drive. It...
  • April is Distracted Driving Awareness Month! Let s kick it to the curb!
    Driver distraction is a leading cause of vehicle accidents. Nearly 80% of vehicle crashes involve driver inattention, according to research conducted by the Virginia Tech Transportation Institute.Eating and drinking, talking to a fellow passenger, applying makeup, programming a GPS or navigation system, or simply adjusting the radio all qualify as distracted driving. But using a cellphone while behind the wheel is undoubtedly the biggest cause.According to a study conducted by Cambridge Metrics Telematics (CMT) last year, phone distraction occurred in 52% of trips that resulted in a crash an unsurprising statistic considering that same study found that 75% of drivers see other drivers on their phones every day.Watch this eye opening video from The Today Show...The overall insurance industry has observed a dramatic spike in fatalities on the road because of distracted driving in the last couple of years. It s getting industry attention!According to the latest annual Risk Index, 40% of d...
  • Protect what s important with a Personal Liability Umbrella policy!
    What is Umbrella Insurance?Whether it s a serious at fault auto accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters or boat policy. And an expensive judgment is the last thing you want to worry about. A Personal Liability Umbrella policy can help protect your assets and provide additional insurance protection..embed container { position: relative; padding bottom: 56.25%; height: 0; overflow: hidden; max width: 100%; } .embed container iframe, .embed container object, .embed container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Will your primary insurance policies be enough?Auto, homeowners and other property insurance liability limits may not be adequate to cover a large court judgment. The example to the right shows how easy it is to find yourself without enough coverage even if you have high liability limits on your auto or property policy.Enjoy peac...
  • Long Term Care Insurance To BUY or Not to BUY?
    I get questions often about Long Term Care coverage: Should I buy it? or Should I buy it now or wait? and many more. After customers research the policy, one of their main objections is that it s too expensive. However, I tell them it s MUCH MORE COSTLY NOT to purchase it. Honestly, without Long Term Care, it would wreck your financial future!Yes, long term care insurance is not cheap, but medical insurance and Medicare typically do not cover that particular type of care, and it is incredibly expensive. The 2017 Genworth Cost of Care Survey lists the national median cost for a private room in a nursing home as $267 a day, which is $8,121 per month, and $97,455 per year. As you can see, if you need that care, your money could disappear very quickly.And, unfortunately, you probably will need long term care. On its website, the U.S. Department of Health and Human Services says:Someone turning age 65 today has almost a 70% chance of needing some type of long term care services and...
  • TRAVELERS INSURANCE (one of our partners) is Reinventing Homeowners Insurance!
    We have been writing insurance policies with TRAVELERS Insurance Company for several years now. They re one of our premier companies who we quote daily to our prospects & insureds who want competitive pricing and enhanced coverage s. I attended a regional meeting a few days ago where we learned many front edge initiatives that Travelers will be implementing over the next 12 to 24 months. They are innovative and consumer favorable on many levels.These A+ rated Top 10 carriers are ramping up investments in both self service digital platforms and the smart home, with the goals of gathering more customer data, expediting payments and educating policyholders on best home maintenance practices.The company is currently piloting a do it yourself home inspection tool for homeowners in select Northeastern states coming to Tennessee soon! Customers will be able to snap and upload photos to the Travelers mobile app at the time of a new policy purchase, instead of waiting for an inspector to c...
  • Is your boat REALLY covered with the RIGHT insurance?
    Boating season is literally upon us. Whether you fish, ski, or just take the boat out to relax, you HAVE to ask the question "Am I covered for what might happen out on the water!?" What we find is that many boat owners just purchase a policy by making sure the price is affordable, and they sometimes miss the small print about what IS and what IS NOT covered. We write insurance on boats and have several policies in force for happy customers. But as I've mentioned, we always want to make sure that we are insuring those folks with the broadest and most affordable coverage in the marketplace. The good news is that we've got companies that ARE competitive.Here are SIX REASONS you need to let US write your boat insurance!Our policies are the best at protecting you from coverage gaps. Not all boat policies are the same. Some leave you financially vulnerable and otherwise unprepared for the unexpected. Our policies address Mechanical Breakdown, Salvage, and Wreck Removal! Does your policy? Y...
  • Introducing Our New Texting Service!
    At Benton White Insurance we are always trying to make our service as streamlined and as simple for our wonderful customers! We want you to be able to contact us and get answers to your questions as quickly and easily as you can. That is why we are introducing TEXTING as an option to those who would like to use it!Question about billing? Text or Call us!Claim question or confusion? Text or Call us!Want to make a policy change? Text or Call us!Got an insurance question? Text or Call us!TEXT or CALL us @ 615.377.1212.Of course, our website www.bentonwhite.com offers these solutions also. We ve just added TEXTING as another quick way for you to get to us!If you need us, we're here to help!...
  • Is Your Employer-Provided Life Insurance Coverage Enough?
    Is the life insurance you re getting through your employer enough to take care of your family? And are you paying too much for that coverage? A healthy 50 year old male could save nearly 80% on premiums in the first year alone by switching from an employer provided term life insurance policy to an individual one, according to the National Association of Personal Financial Advisors (NAPFA), a professional association of fee only financial planners. Young, healthy employees might also be better off with individual coverage, since they can lock in low rates for decades.But many companies pay for some amount of life insurance for their workers; they also allow workers to purchase more coverage for themselves and their spouses at a low cost and with no medical exam. As a result, many families obtain all of their life insurance through an employer. If you make $75,000 per year, your employer might provide $75,000 or $150,000 in coverage at little or no out of pocket cost to you, and the prem...
  • Smartphones Are Killing Americans, But Nobody s Counting
    Jennifer Smith doesn t like the term accident. It implies too much chance and too little culpability.A crash killed her mother in 2008, she insists, when her car was broadsided by another vehicle while on her way to pick up cat food. The other driver, a 20 year old college student, ran a red light while talking on his mobile phone, a distraction that he immediately admitted and cited as the catalyst of the fatal event. He was remorseful, Smith, now 43, said. He never changed his story. Yet in federal records, the death isn t attributed to distraction or mobile phone use. It s just another line item on the grim annual toll taken by the National Highway Transportation Safety Administration [NHTSA] one of 37,262 that year. Three months later, Smith quit her job as a realtor and formed Stopdistractions.org, a nonprofit lobbying and support group. Her intent was to make the tragic loss of her mother an anomaly.To that end, she has been wildly unsuccessful. Nine years later, the probl...
  • Does Homeowner's Insurance Cover Your Home Based Business?
    If you re one of more than 38 million people working from your home in any capacity, beware: your home insurance may not provide adequate protection for your business, no matter how small. Thanks to the digital revolution, it s never been more convenient to earn a living from your living space but with each reward comes risk, and without the right coverage, that extra cash flow can turn from positive to negative.Unfortunately, too many at home earners aren t aware of the gaps in their coverage until they re presented with a dire situation, be it a hurricane or any other disaster. Their inventory and business property can literally go up in smoke, ruined by a water leak, or be outright stolen. And if they are relying on their homeowner insurance to pick up the pieces, they may be surprised to find they have very little financial recourse.So what should you look for in a home based business insurance policy? It can be complicated which may be why so many people don t have the insuran...

Benton's Blog

Credit Cards That Offer Rental Car Insurance Benefits! 

We get the question consistently: “Am I covered if I rent a car?”  The usual answer is YES if you rent in the US.  If you rent outside the US, then most likely NO applies.  The solution to the NO answers could be with your credit card if you have one.    Credit cards offer versatility to your lifestyle.  Many cards offer a variety of rewards, one being the rental car insurance benefit. This benefit can save you money every time you rent a car because it provides a free collision damage...

3 Times You Should Definitely Buy the Extra Insurance—and a Few Times You Can Skip It!

We have great questions from customers quite often asking if the insurance they have acquired from us covers this or that etc.  We do our best to answer those questions – some easy – some not!  We offer some of the coverage’s that you need but there are times, we’ll refer them to other sources for specialty types of coverage’s as mentioned in this blog article.  Let’s discuss some of the most asked questions from the insurance needing public: Pet Insurance Buy it. “It’s heartbreaking to watch...

7 Questions to Consider When Renewing Your Home Insurance...

If you own a house, homeowner’s insurance is a necessity. Not only do you need it to protect your home and possessions against damage and theft, your mortgage lender will also require that you carry it if you have a loan on your home. It’s not enough to simply have coverage, you need to have the right coverage. We ALWAYS suggest that it is a good time to review your policy is when it comes up for renewal annually.  Of course, we do it for you here at Benton White Insurance. Insurance companies...