What are some of the benefits that come with Home Insurance?

When you get a home insurance policy in Parsons, KS, you don’t just insure your home but also its components. From your personal property to medical bills for you and your guests who are injured at your home, Clemens Insurance Agency helps you cover the following:

  • Your house: The whole building and any attached structures, like the garage.
  • Personal property: This coverage helps in replacing destroyed furniture and other personal items that might be destroyed or stolen.
  • Living expenses: If for instance, you cannot stay in a house after a fire because of damages, your homeowner’s insurance will help you pay for basic expenses and accommodations.
  • Detached structures: All structures around your home are covered in the structures coverage policy. This includes the shed and fence.
  • Guests: When a guest or neighbor is accidentally injured at your home, your guest medical protection policy will pay for the medical bills incurred.
  • You and the family: If you or your pet happens to injure someone or damages someone’s property, liability coverage will pay for medical bills or any related repair costs.

There are more additional benefits that come with home insurance. Below are some of the other hidden and unknown benefits that may be covered by home insurance policy:

  1. Student property on campus under parent’s insurance.
  2. Spoiled food due to lack of power or due to natural disasters.
  3. Home business. 
  4. Damaged tombstones or grave markers.
  5. Legal cost fees that you may incur if sued for anything relating to your home.
  6. Stolen car, including items inside it.
  7. Personal possessions lost during camping trips.

In need of Home Insurance? Get a quote from Clemens Insurance Agency in Parsons, KS or visit our office for more information regarding home insurance.

Should You Maintain Your Motorcycle Insurance Coverage When It’s In Storage?

Residents in Parsons, KS don’t ride the motorcycles all year long. The weather can be unforgiving on the plains, so storing a motorcycle during the winter months is a wise thing to do. At Clemens Insurance Agency, our agents encourage their customers to maintain some type of insurance coverage on all of their vehicles whether they are being driven or not. In the case of motorcycles, purchasing a storage policy can be a lifesaver.

Storage Insurance

Storage insurance is offered by many companies for vehicles such as boats or motorcycles that are winterized and stored for several months out of the year. The collision insurance is removed, and the vehicle is covered for damages that may occur once it has been placed in storage. This often includes water damage or damages caused by building collapse or similar accidents.

Maintaining Your Coverage

Most states require that you maintain some insurance on your vehicle for as long as it is registered to be driven. If you let your policy lapse for the months your motorcycle sits in storage, you may have to pay a higher price to have the policy reinstated once you bring it out and start driving it again. Dropping down from a full coverage policy to a storage policy allows you to maintain coverage without paying for the insurance you don’t use.

The agents of Clemens Insurance Agency can help the residents of Parsons, KS maintain vehicle coverage on their motorcycles and other vehicles that they store during the winter months. Our agents can answer any questions you may have and can perform a policy review to make sure you have the coverage you need.

Here Is What You Can Expect From A Typical Boat Insurance Policy

The state of Kansas has beautiful scenery that includes lakes and rivers. Bodies of water in Parsons, KS are only wholly enjoyable when you have a boat with which you can sail the waterways. You should not explore the great lakes of Kansas without boat insurance offered by indemnity companies such as Clemens Insurance Agency.

Here are three things you may be able to expect from a typical watercraft assurance policy. 

Liability Coverage
Personal liability insurance for your boat works in the same manner that car insurance operates. The average policy pays for your boat as well as another watercraft if you are in an accident in which you are the person at fault. Liability coverage can either repair or replace a damaged boat. This level of insurance may also pay for medical bills as well as lost wages and other costs associated with the accident. 

Medical Costs
Hospital bills can be expensive, which is why it is best to obtain assurance that covers medical payments in Parsons, KS. The best policy pays up to $10,000 for bills associated with health care. These expenses can include everything from prescription medications to tests for treatment. 

Physical Damage
Physical damage is the extra coverage that many auto owners would find in an indemnity plan with both comprehensive and collision policies. The incentive pays to repair your watercraft along with its motor if it is damaged. This plan also covers equipment that is attached to your boat if the vessel is lost or stolen. 

Clemens Insurance Agency is your ideal insurance company for boat insurance in Parsons, KS. Our friendly staff will help you select the plan that best suits your needs. Whether it is basic liability coverage or a complete indemnity plan, we can help you navigate the terrains of boat assurance. Contact us today for a quote.

How Does an Umbrella Insurance Policy Work?

If you are considering getting an umbrella insurance policy but you are not sure about how exactly it works, then it is important to learn the basics before moving forward. This can help you determine if it is the right move for you and your family. This is what you need to know about an umbrella insurance policy before you purchase one from Clemens Insurance Agency serving Parsons, KS. 

  • It covers what your other policies cannot. When it comes to your auto and home insurance, it can only cover so much. If you have a home or vehicles that are more expensive than these policies can cover, then an umbrella policy is a great option because it can cover the excess. 
  • It will not kick in unless your other policies have been exhausted. If you have an umbrella insurance policy in place for the reason stated above, it is important to know that it will not kick in until you have exhausted the liabilities and coverage of your other policies first. Once this has happened, you can begin to use your umbrella insurance policy. 
  • It can cover other liabilities. Not only is it a good thing to have for home and vehicle coverage, but it can also provide liability coverage for things such as injuries on your property and even legal protection in terms of costs if you are sued for things such as slander or libel. 

If you think that an umbrella insurance policy may be the right option for you, be sure to reach out to us here at Clemens Insurance Agency, serving Parsons, KS. We can help you find the right policy to meet your needs and we can also make sure that it fits within your budget. 

Is It Time To Upgrade Your Commercial Insurance?

Not all Parsons, KS businesses need to grow. The narrative regarding entrepreneurs is that the goal is to dominate an industry, but that’s not really necessary. In fact, it’s kind of silly that people think that every company wants to be the biggest company of its type. You don’t need to compete with Coca-Cola if you’re selling niche sodas. Coca-Cola doesn’t have a garlic flavored cream soft drink, but if that’s what your customers love, then that’s what your customers love.

The Growth of a Company

Your company can grow in ways that you didn’t plan and don’t expect. Maybe you want to keep making your hot sauce in a small factory, you don’t want to outsource to China or elsewhere. But, ever since you were featured on one of those food shows, you’ve been getting more orders than you can handle, so you hire temporary staff. Now you have to call Clemens Insurance Agency to talk about things that you never considered before, like worker’s comp and so on.

No matter what your plans may be, you can’t always expect them to play out exactly as you envisioned. On the upside, your business growing faster than you expected isn’t a bad problem to have.

Here’s what it comes down to: If something goes wrong, can you cover it out of pocket? If the answer is no, then that’s what insurance is for. If you find yourself in need of some extra coverage, then it may be time to call Clemens Insurance Agency in Parsons, KS and make sure that your commercial insurance policy reflects the needs of your business as it is now.

The Friendly Skies Are Friendlier When Your Aircraft Is Insured By Clemens

If you own an airplane of any size and are not sure of your insurance options and obligations, call or visit the expert agents at Clemens Insurance Agency in Parsons, KS. They are knowledgeable of all of the up to date aviation insurance requirements. Your plane needs to be insured while sitting on the ground as well as while in the air. You need to protect yourself against liability by having your passengers, if any, covered as well. Clemens Insurance Agency will answer all questions you may have regarding your aviation insurance.

Clemens will sit with you and explain all of the available options, and assist you in determining what is best needed for you and your plane. They offer an In-Flight insurance, which covers the plane while in the air, and a Ground Risk Hull insurance, motion and non-motion, which includes the aircraft while on the ground, in the hull, or during the taxi. There is the Public Liability insurance, which covers the property of others in cases of accidents, and the Passenger Liability insurance which covers all passengers while in flight or preparing to fly. 

There is also a plan that combines the public and passenger liability, and this is the Combined Single Limit. Let the experienced agents at Clemens help you with your aviation, and other insurance plans. They offer diversity, professionalism, and affordability. Clemens has an advisory service that will alert the customer if there are any changes or issues with their policy. Feel confident with the peace of mind in knowing that all of your insurance needs are met with Clemens Insurance Agency in Parsons, KS.

How Much Auto Insurance Do You Need?

Auto insurance in Parsons, KS is tricky, and sometimes you may find yourself having too much or too little coverage. How much assurance you need depends on factors including state laws and lifestyle choices. Clemens Insurance Agency can help you finalize the details of your auto insurance policy. Here are three things to consider when determining how much coverage you may need. 

Minimum Coverage

Practically every state in the country requires car owners to have at least liability insurance. In general, the bare minimum for individual medical expenses is $15,000 per person. The lowest amount of coverage for car repairs is usually $5,000, which is not much when you consider that the average new car costs upwards of $25,000. You could find yourself financially responsible if your insurance payouts are not enough to completely cover all expenses during an at-fault accident. It is, therefore, best to obtain coverage that equals the value of your assets.

Deductibles

The highest deductible lowers your monthly payments. Cheaper deductibles cost more every month, but the result of paying more over time may be beneficial in the instance of an accident. Imagine only having to pay $250 when an incident occurs instead of $1,000 in significant damages and repairs by their insurance companies. Less out-of-pocket expenses could relieve pressure during crises. 

No-fault Insurance

The state of Kansas requires its drivers to obtain no-fault insurance that pays out regardless of who is responsible for the accident. This form of coverage also limits your ability to sue and be sued when payouts fall short, and expenses remain. Obtaining no-fault assurance in Parsons, KS is relatively expensive, so you should plan accordingly budget-wise. 

Clemens Insurance Agency can help you determine how much insurance you need to drive around town comfortably. Call an agent today to schedule an appointment!

5 Quick Tips Regarding Farm Insurance.

If you make a living from agriculture, you will notice that the going sometimes becomes very tough since there are many variables you need to control. To protect yourself from financial ruin, it is important that you contact Clemens Insurance Group in Parsons, KS to purchase a farm insurance policy, but before doing so, there are several things you need to know.

1. Establish why you need it

A standard homeowner’s policy will not provide adequate coverage unless the property meets certain criteria. Some of the deciding factors include the presence of some additional structures on the property such as stables, barns, domestic pets, and other animals. Also, farm workers are a determining factor.

2. Don’t Rely on Online Quotes

Unlike most auto or homeowners policies, there are no quick online quotes for farm insurance. A potential insurer will require visiting the property to access your needs. As such, online quotes are out of the equation.

3. Consider Product Specificity

Some insurers can only offer general insurance coverage for your farm business while others will have the option of tailing their policies regarding on the farm business. The customized policies are written based on the types of livestock or specific crops grown on the farm.

4. Plan for potential Business Losses

Most farms are solely used for business which puts them at a potential financial risk in case of poor management. To ensure that you are protected from these losses, consider purchasing a farm insurance policy. Notably, this policy will also protect you in the event of worker compensation claims if an employee gets hurt while on your property. Also, you are covered for damages to your business vehicles and other miscellaneous income interruptions.

5. Don’t discount your Hobby Farm.

Currently, hobby farms are becoming increasingly popular, but the property owners only grow crops and keep livestock just for domestic consumption. This notion is very wrong since such farms can be used as part of your primary income. However, even if you are not using the farm for business, do not assume that your farm insurance is not important. You should note that even small farms can lead to financial liabilities due to equipment and animals which may not be easy to control.

It is the high time you visited Clemens Insurance Group in Parsons, KS to ensure that your farm is properly insured. Talk with our agents to learn more.

What Parts Of My Home Will Home Insurance NOT cover?

Home insurance is a great investment to protect your home in the event of a disaster. Although, you should have realistic expectations that there are certain aspects of your home or property that are not protected. You should read your policy and understand what is or is not covered under it. You should also be diligent enough to learn Kansas’s home insurance laws to know your rights. To get competitively priced home insurance in Parsons, KS, Clemens Insurance Agency may have what you need.

Clogged Sewer Lines

Sewer lines can be problematic as they get older, which is the case in many homes in the United States. Pipelines can also get clogged by tree roots, sewage, and excess rainwater. Sewer backups can be more troublesome than a clogged toilet. It can sometimes back up water into the house and damage floors, walls, and its electrical system. Additional coverage will be required for most insurance policies.

Sinkholes

Sinkholes are not particularly rampant in the area, but they will absolutely devastate a home when they do occur. These are basically gaps in the earth that happen after the rock is dissolved and will suddenly collapse. Insurance policies in Kansas will not cover damage from these disasters.

Termite infestation

Since so many homes in the country are made with wood, termites can be a major problem. As these little pests eat away at your walls and support beams, your home will eventually degrade and possibly collapse. The unfortunate part is that most home insurance policies will not cover this.

Now that you understand that you are not completely invincible with a home insurance policy, you can shop around with realistic expectations. You should always be responsible for taking care of certain parts of the property that are not covered so that you will not have to be a victim of a disaster. To check out a policy that fits your needs in Parsons, KS, be sure to reach out to the agents at Clemens Insurance Agency.