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Benton White Insurance
  • 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...
  • Mobile Apps for your Convenience!
    Having convenience in the palm of your hand 24/7 is one of the big advantages of today's computer / mobile phone technology. Our companies understand this and are offering some excellent mobile apps to help you navigate your insurance portfolio you have with us.Advantages of having the mobile app readily available:Pay your billsSet up and manage automatic paymentsCheck the Status of a claim and/or view your claim historyView your insurance ID CardsView your actual policy documentsManage document delivery options (you can go paperless)There are many other advantages that each particular company offers. The normal download process applies. Download the app from the Android or iOS store for free and begin using it immediately.Check out these great company apps:Auto Owners InsuranceProgressive InsuranceTravelers InsuranceDownload any of these from the Android or iOS app store. We all want ease of use and having information at our finger tips has become a staple of our lives. I'm g...
  • Do you Need a Personal Liability Umbrella policy?
    We get this question alot! For the coverage's afforded and the comfort level it could give to you and your family by spending about $200 per year for the policy, we think it's one of the easier policy decisions that our customers make. And MANY are taking advantage of this affordable extra layer of protection.I saw this video this morning that does a good job explaining how a Personal Liability Umbrella can help you protect your hard earned assets for just pennies on the dollar:.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%; }We offer not only the above mentioned liability umbrella but all of our companies have similar plans at affordable prices that can give you that extra layer of asset protection. Let us help! We can give you a quote while you are on the phone and can write the ...
  • A Tribute! The reality of a life ending!
    I got a call Monday morning from a client of many years! He called to tell me that his wife, a dear friend/client of mine for 39 years passed away the previous morning. He said with the deepest of sadness: "Saturday night, we had about 3 hours together and she told me to immediately call you because she knew you would take care of all things insurance for her and me. So I'm calling you first!" He had not even been to the funeral home or had begun making arrangements for his 67 year old wife of 33 years. We both shared sadness and shock that her journey to the end of life occurred in less than 3 weeks.When he speaks all things insurance, he was calling to ask me to begin the process of filing a claim on a 20 year term insurance policy on her life that I wrote in 2003. She had paid her premiums faithfully for 14 years. She had very specific beneficiary designations to include not only her husband but her parents, siblings as well as their children. We filed the claim with the insu...
  • Our Insurance Rates are STABLE! And It's GREAT to see!
    Many of our customers don't realize that I personally review each policy that renews in my agency annually. I block out several hours to review how a customer's rates have been over time and what they can expect in premium on their next renewal. Sometimes, it's painful to see some of the increases that are caused by an event that involved the customer. There are a number of reasons a rate can change from excessive claim activity to at fault accidents, traffic citations and many other premium affecting reasons. However, if a customer has taken care of their risks and has little or no negative activity on their account, rates don't often change in any great degree.I have just finished a large group of customer policy renewals today. Of the several hundred policies I reviewed, it was a joy to see that the average rate change had increased approximately 5% or less and premium decreases that were in the range of 5 to 15% average. Some of our customers' rates dropped 20% or more and oth...
  • Minimize your Risk of Distracted Driving
    As the spring season gets fully underway, families gear up for spring break car trips or college visits. With better weather, more drivers take day trips or plan weekend getaways. This all adds up to more drivers on the road, and more potential for distracted driving which also increases the odds of traffic accidents with bodily injuries.April is Distracted Driving Awareness Month, the time of year when the National Safety Council and other organizations join forces to heighten awareness of distracted driving.According to the National Highway Traffic Safety Administration (NHTSA) distracted driving is defined as any activity that diverts attention from driving, including talking or texting on your phone, eating and drinking, talking to people in your vehicle, or fiddling with the sound, entertainment or navigation system anything that takes your attention away from the task of safe driving.NHTSA calls texting the most alarming distraction because tests show that sending or readin...
  • Questions? We've got answers!
    You buy insurance to protect your finances from life's surprises. But unless you know the finer points of your policies, you could be left with another surprise no coverage where you thought you had it. We get questions almost daily asking is this covered? We do our best to give the most accurate and easy to understand answers we can offer. I thought it might be good to share some of the more common questions (and one not so common) that we get here in the agency! Hopefully, this will help you to have a better understanding about your own insurance and what is or is not covered!You lend your car to a friend. Does your auto insurance cover him or her? Yes Generally, your auto insurance will cover a friend driving your car, as long as he or she has a license and has your permission to use the vehicle.During a storm, your neighbor's tree falls on your house. Whose policy covers the damage? Yours! If a tree falls on your house, you are covered by your own homeowners insurance po...
  • Merry Christmas & THANK YOU!
    So here we are on the doorstep of Christmas 2016. Once again, I find myself being grateful for another great year working with wonderful customers such as yourself. The agency continues to grow and prosper and we continue to solve insurance problems and fill insurance needs for so many every day. Thank you for letting us serve you with your insurance.From our great staff here at the agency, my wonderful family and me, we hope you have a wonderful Christmas and may 2017 be full of grace, peace, and joy for you and those around you.This is my Crew all 19 of us! A RICH man am I! Of course, I have to post Mimi & Poppy with the grandkids!And yes there are those CRAZY moments when it looks just about like this!We appreciate your business and look forward to serving you with all things insurance in the months and years ahead! Merry Christmas & Happy New Year!...
  • Cold Temps means PROTECT PIPES!
    Here we go! The coldest temps of this season yet with windchills coming in the next 3 to 4 days. Some are saying a 'roller coaster' weather pattern. In the meantime, a quick review of PIPE protection. One pipe burst can flood your property and make this Christmas season a sudden nightmare! As a public service, take these 5 precautions so you won't have that miserable event take place:CLOSE all foundation vents so cold air won't get in.CLOSE & SEAL your crawl space door. That is your outside wind blocker! Seal it tight!DRIP a steady stream of water from one or two interior sinks spread out in your home.UNHOOK garden hose from the spigot and cover exterior faucets with insulating material.KNOW where the main water shut off valve is located so you can quickly turn off that water if a pipe does burst. Make a bee line to it if you hear water!Every winter season we get those sad phone calls from customers who have frozen and then burst pipes. Taking these quick precautions could mak...
  • First Obamacare deadline approaches! Trump & BCBST loom large!
    We continue to welcome calls into the agency from people who are struggling to get a healthcare solutions individually or for their family. There's no question, healthcare these days is a challenge for nearly all of us. I read an article this morning in THE TENNESSEAN that gives a little more information about what others face and the solutions that are out there. I thought it might interest you in seeing this article written by Holly Fletcher of THE TENNESSEAN with contributions from Kristi Nelson with the Knoxville News Sentinel.Alan Hall sat with his laptop at the ready at Bellevue Public Library Sunday, prepared to help people navigate healthcare.gov as the first Health Insurance Marketplace deadline approaches this week.The deadline to sign up with a guaranteed Jan. 1 coverage start date is Dec. 15. Navigators around the state like Hall are preparing for a busy week.Listen to Hall speak for very long and it's a workshop on insurance, explaining co insurance and the structure of ...

Benton's Blog

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...

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...

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...