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Benton White Insurance
  • 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: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 policy for you within 5 minutes electronically which saves you time and trips to our office to get the policy in force.Remember, we like to say ... 'if it can be insured, we insure it and we SERVICE IT TOO!" Contact our office at info@BentonWhite.com...
  • 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 ...
  • Director of Williamson County Schools - talks DRIVER SAFETY!
    Dr. Mike Looney, the Superintendent of Williamson County Schools has made a great proactive move this week. There have been several vehicle tragedies in our area in the last few weeks where students have died either behind the wheel of a car or as a passenger. Dr. Looney addresses the need that we all have to be more careful to do all that we can to reduce these senseless tragedies..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 applaud Dr. Looney for this video. Obviously, we completely agree and hope that we all will do more to help all drivers especially the less experienced drivers to learn the right way to drive so we can reduce accidents & accident deaths around us.If there is anything we can do to help you with your insurance, we want to and are ready to protect you and ...
  • How are you sleeping well?
    I saw this a few days ago and thought it was interesting. It's fairly typical of what we see regarding outlook, economic outlook and concerns of many of us. Travelers, one of our great companies in the agency, offers their annual risk index and this graphic was put together to show the highlights.We try to insure our customers so they WON'T be up at night! As a matter of fact, I often say ... "the decision about the right insurance program as well as the right amount of coverage truly depends on what helps you to sleep best at night!" After over 38 years in this business, I still feel that way.If we can help you with anything insurance, contact any of our staff at 615.377.1212 or info@BentonWhite.com. ive us a call! It would be our pleasure to earn your business!...
  • Thankful!
    Today and everyday! This week and every week, we are grateful for so many things, including great relationships with family, friends, business acquaintances and many wonderful customers! Let's take a much needed break this week and remember how truly blessed we are!Enter His gates with thanksgiving and into His courts with praise! Give thanks to him and bless His name!Psalm 100:4 (NASB)We wish for you a Blessed and Happy Thanksgiving from all of us at Benton White Insurance!...
  • Biggest Spike in Traffic Deaths in 50 Years? Blame APPS!
    How attentive are you when you drive? Is your attention on driving or are you distracted with the many things now available to us all as we drive. It's a critical time on our highways these days with distracted driving accidents growing at an alarming rate! Here are possibly some of the reasons why.The messaging app Snapchat allows motorists to post photos that record the speed of the vehicle. The navigation app Waze rewards drivers with points when they report traffic jams and accidents. Even the game Pok mon Go has drivers searching for virtual creatures on the nation's highways.When distracted driving entered the national consciousness a decade ago, the problem was mainly people who made calls or sent texts from their cellphones. The solution then was to introduce new technologies to keep drivers' hands on the wheel. Innovations since then car Wi Fi and a host of new apps have led to a boom in internet use in vehicles that safety experts say is contributing to a surge in hig...
  • Dave Ramsey: Obama Has Screwed Up The American Economy
    I have followed Dave Ramsey from the early days of his career. I know many people who work on his team and have the pleasure of insuring many folks who follow Dave's template of financial peace! One thing Dave doesn't do: he doesn't mince words and you're never confused about what he thinks! His financial counseling on air, online, in churches, schools and to the general public have turned many debt ridden people into debt free winners! (www.DaveRamsey.com) He had a pretty serious and factual rant about the current state of medical insurance a few days back. He is voicing what I hear almost daily in my business with people facing MAJOR premium increases and loss of coverage as a result of our current healthcare insurance problem. This industry is in the worse place I have seen it in my 38+ year career and Dave addresses it here: .embed container { position: relative; padding bottom: 56.25%; height: 0; overflow: hidden; max width: 100%; } .embed container iframe, .embed containe...
  • 8 consumer concerns about self-driving cars! Are these yours too?
    It's clear that autonomous vehicles are coming to the market place. The only question is how quickly.Google garnered attention with its prototype of a self driving car, Ford Motor Co. says it plans to sell driverless cars to the public by 2025, and several other manufacturers, such as Mercedes, BMW and Volvo, are in the test phase. And, in the United States at least, a true sign of the coming technology: The federal government issued regulations on autonomous cars on Sept. 20.The vehicles are touted as a way for aging drivers and people with disabilities to maintain their independence. They're also predicted to increase traffic safety and cut down on distracted driving. Commercial truck fleets are also testing autonomous vehicles, and cargo container ships are interested in the technology as well.Earlier this year, the driver of a Tesla was killed in an accident while operating the vehicle on autopilot, and Chinese researchers recently claimed to have hacked into a Tesla and taken cont...
  • What IS and IS NOT COVERED under home insurance!
    Every insurance policy is different. Properly understanding what's covered requires the homeowner to ask a lot of questions and to read the fine print on his or her insurance policy. Though there are differences between policies, there are some things that almost all insurance policies will have in common. What's Covered?Homeowners insurance typically covers a broad range of possible damages. You can expect that your actual dwelling is covered, as well as some other structures on your property, like a garage, fence, driveway or shed. However, if you run a business on your property that's housed in a separate structure, this is generally not covered in the typical insurance policy.Personal Property is typically accounted for in your policy as well. This is sometimes known as contents insurance. The amount of coverage for personal property may be limited on certain types of high value items, such as jewelry or artwork, unless additional coverage is purchased for these items.Replacement C...
  • Insurance claim & Kim Kardashian!
    Not that we've had questions about this .... and honestly, not that we have a tremendous interest in this story. However, there is ALWAYS an insurance angle that many don't consider. When there is $10Million in jewelry stolen in a robbery in a foreign country, many questions have to be answered before a claim could be paid. I thought this article from Billboard Magazine was interesting enough that we should share it. It's interesting reading!This comes from an article entitled: HOW MUCH INSURANCE MONEY WILL KIM KARDASHIAN RECEIVE FOR HER STOLEN JEWELS? THAT DEPENDS / 10/6/2016 by Lauren Indvik, BillboardJacopo Raule/Getty Images"A multi million dollar claim like this one is going to be difficult, both to investigate and to resolve," says Heather Perkins, head of underwriting at L.A. based jewelry insurance specialist Lavalier.A few hours after midnight on Monday morning, Kim Kardashian West was robbed at gunpoint in her Paris hotel of what is now estimated to be more than $10 milli...
  • Blue Cross Blue Shield to STOP Covering Middle Tennessee!
    I wanted to get this to you as soon as possible. This is a major announcement regarding healthcare insurance here in Tennessee. The #1 and largest provider of healthcare insurance in Tennessee is pulling out of the major metro markets including Nashville on the Obamacare exchange. This article below from The Tennessean released late this morning gives details. BCBST to pull out of Obamacare exchange in Nashville, Knoxville and Memphis Read The Full ArticleWhat This Means For Us...Unfortunately, this will affect how we offer healthcare coverage in this agency because Blue Cross Blue Shield of Tennessee was one of our primary healthcare providers. Up until today, I have put my emphasis toward their good product(s) because one would think the largest provider would have success in this awkward national healthcare environment. They couldn't and now we all will be forced to the healthcare.gov site to find decreasing amounts of providers that are still participating in the national...

Benton's Blog

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...

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...

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 bills Set up and manage automatic payments Check the Status of a claim and/or view your claim history View your insurance ID Cards View your actual policy...