Will Home Insurance Protect Me From Theft and Vandalism?

Your Parsons, KS home is your castle, your place of refuge and safety from the world. Unfortunately, some seek to cause mischief and harm by invading or otherwise destroying our homes. While Clemens Insurance Agency can’t prevent the ill-actions of others, we can offer you a financial safety net in terms of a home insurance policy.

How a Home Insurance Policy Will Protect Your Assets From Theft or Vandalism

Your home insurance policy provides coverage not just for your home, but also for your personal property and personal liability should something terrible happen, including theft and vandalism. However, each part of this policy is likely to have stipulations, such as special limits of liability, in which you may be unable to recover the full amount of a costly item unless you have an endorsement. 

Another common question our Clemens Insurance Agency often fields is what exactly is the difference between theft and burglary, and what type of vandalism is covered? The following is a look at all three of these actions and how your home insurance will help:

  • Theft is when someone knowingly takes someone else’s property either without their knowledge or under false pretense. For example, theft is both a stranger taking your bike off your front porch and a neighbor asking to borrow it but never returning it. Your home insurance policy would cover both. 
  • Vandalism is the deliberate destruction of someone’s property, including both home and belongings. For example, both a person cutting down your trees without permission and a person spray-painting your computer are guilty of vandalism.
  • Burglary is entering a person’s property without permission. For example, a person opening your front door and entering without permission is committing burglary.

Learn More About Home Insurance

For more information about home insurance and what it does and doesn’t cover, contact our friendly Clemens Insurance Agency in Parsons, KS agent today. 

 

Do I Really Need to Take a Motorcycle Safety Course?

Motorcycle owners who live in Parsons, KS need an insurance agent they can turn to when they have questions or concerns about their insurance. At Clemens Insurance Agency, all of our agents have years of experience to draw from. This allows them to offer each client personalized advice and make sure they have access to resources like motorcycle safety classes.

Understand the Laws

In Kansas, the law states that anyone who is under the age of 18 must wear a helmet. Anyone operating a motorcycle must be wearing eye protection unless their bike has a wide windshield. A state-approved motorcycle course will go over these laws so that you will know what you need to do to comply with the law at all times. It’s also important to be aware of any changes that take place as time passes.

Handle Your Bike Safely

Motorcycle safety classes are designed to show you how to maneuver your motorcycle through a variety of situations successfully. This gives you the experience and knowledge you need to handle your bike safely while you are out on the roads. Working with a reputable instructor allows you to learn from someone who understands the risks and knows how to minimize them.

Call the agents of Clemens Insurance Agency if you live in the Parsons, KS area, and are interested in learning more about the benefits of taking a motorcycle safety course. Your agent will be able to give you the information you need and answer your questions so you will feel safer taking your motorcycle out on the road. Contact an agent today!

Do Hobby Farmers Need Farm Insurance?

Whether a person owns five acres, fifty, or five hundred, farmers enjoy working the land, growing things, and raising animals. Hobby farms are becoming more popular these days as people grow gardens, raise chickens, and enjoy the great outdoors. Many people may believe that their homeowner’s insurance policy covers their property and their farm, but that might not necessarily be the case. Here is what you need to know about farm insurance in Parsons, KS from Clemens Insurance Agency. 

1. Your farm buildings and structures may not be covered.

If a storm comes through and blows over your barn or a tree falls on your chicken coop, you may not be covered for these losses. Homeowners’ insurance is designed for homes and typical outbuildings. If you have invested in farm buildings, be certain that they are covered by checking with your agent.

2. You may need extra liability protection for your animals.

What if someone eats your farm-fresh eggs and becomes ill? What happens if your goats get out and cause an accident on the street? Will your homeowner’s policy cover that possibility? Maybe. Or maybe not. Farm insurance is tailor-made to cover liability issues related to livestock and other farm-related risks. 

3. Your vehicle may need extra coverage if used for farming activities.

If you use your truck to haul animals to auction or carry vegetables to the farmer’s market, you may need to slightly alter your insurance coverage to reflect the use of your vehicle. You don’t want to find out after you’ve had a problem that the usage of your vehicle for farming purposes keeps it from being covered under your standard auto insurance policy. 

Farm insurance is not one-size-fits-all. Your agent can find the policy that is just right for your hobby farm, whether you simply farm to feed your family or if you sell the products that you grow on your farm. Call an agent at Clemens Insurance Agency to talk about whether you need a farm policy in Parsons, KS. 

Does my auto insurance cover business use?

Does my auto insurance cover business use?

Clemens Insurance Agency wants you to make the most out of your side gig or full-time job in Parsons, KS. Many of today’s jobs like pizza delivery and Lyft or Uber driver pay well but require extra insurance. 

This blog examines whether a standard auto policy covers business use such as pizza delivery or driving for Uber. It does not.

You need specialized insurance if you want to drive your vehicle for delivery work. You are legally obligated to inform your insurance company of your job. If it finds out on its own, you could lose your insurance.

It gets worse. The insurer reports to others the reason you left their company. You must reveal it when you apply for new auto insurance. On typical forms, they inquire why you dropped your previous coverage and when. The new company checks with the old one and you can be denied for having lied to the first company.

How do they find out? You might get into an accident or have to deliver pizza to their house. The latter is just uncomfortable, but the worst-case scenario is the former because they probably will not pay for the accident.

You do not need a special policy if you only run work errands once in a while in your vehicle. If you simply drop off things occasionally for your boss or office on the scale of once per month, you do not need a commercial policy.

You need a commercial auto policy if you want to drive your car for business reasons. Visit Clemens Insurance Agency of Parsons, KS to discuss your auto insurance needs.

Winter Is Around The Corner! It Is Time To Review Your Home Insurance

Parsons, KS residents who are looking to prepare themselves for the winter weather to come may not have taken the time to take a closer look at their home insurance policies. While a current home insurance policy may seem to offer the necessary coverage, these policies do not always reflect a homeowner’s current reality.

After all, a policy that was purchased some time ago may not provide the level of protection that it should. That’s what makes policy reviews so crucial. Let’s take a closer look at the reasons why these reviews are an absolute necessity.

Accounting For Significant Changes

A homeowner is not going to exist in the same living space, even when their residence has not changed. In order to remain prepared for the winter months, a homeowner must meet with an experienced insurance agent. These agents will let them know more about the changes that they have made and how they are going to affect the policy going forward. The chances are high that the homeowner has acquired new personal items that they wish to protect.

Discussing New Family Members

The insurance policy that is currently in place may not account for specific changes that have been applied to the family unit. For example, the homeowner may have gotten married recently. Maybe the homeowner has had children within the past year. They may also have friends or extended family members who are staying with them. These are all critical areas of discussion going forward.

Home Business Concerns

When a homeowner starts their own business and utilizes their residence as a primary place of work, this means that they will have to amend their insurance policy accordingly. The same goes for anyone who has purchased additional property that is going to be used similarly. 

Parsons, KS residents who are looking to receive a helpful annual review before the cold weather arrives are welcome to contact Clemens Insurance Agency. Take a moment to visit the Clemens Insurance Agency office or give us a call if you have any further questions. 

Do You Need Motorcycle Insurance in the Wintertime?

Riding a motorcycle can be one of life’s pleasures, but making sure that bike is properly protected is very important. If you own a motorcycle or you plan to buy one in the future, getting insurance on it should be a priority. At Clemens Insurance Agency, we serve Parsons, KS and the surrounding area and provide motorcycle insurance all throughout the state. If you don’t ride your bike during the winter, do you need to keep insurance coverage on it? Can you just drop the coverage and save that money, while the bike sits in your garage?

Technically, you don’t have to insure your bike when it’s sitting in your garage. If you’re not riding it, you’re not putting anyone else at risk of an accident. But if you don’t have insurance on it and it gets stolen or otherwise damaged, you won’t be covered. Most motorcycles aren’t ridden much during the winter or aren’t ridden at all. It’s too cold to enjoy them, and the roads can be icy, as well. But there are still other issues that could appear, and you want to be covered for anything that could go wrong. That’s why it’s a good idea to keep your motorcycle insured all year long.

Reach out to Clemens Insurance Agency today, and let us help you find the right insurance coverage for your Parsons, KS area motorcycle. That way you can have peace of mind all throughout the year, and make sure your motorcycle is protected. Our experienced agents will help you find the right policy, and make sure it’s something you can keep all year round if you want to. That way you’ll have the right coverage, and won’t have to worry about your bike when it’s cold outside.

Does My Row Boat Require Boat Insurance?

At Clemens Insurance Agency in Parsons, KS we are of the mind that it is always a great time to get out on the water

Before you do make sure that you are insured. Better yet make sure that you come into our agency so that we can take care of your boat insurance needs.

While the state of Kansas does not require you have boat insurance, most likely the bank that you have financed your watercraft with will require it.  Even if it was gifted to you having insurance protects your personal assets. Just like any other vehicle having boat insurance makes great sense to protect your personal liability in the event that an accident occurs, unforeseen damage befalls your beloved boat or theft occurs. 

In Kansas only motorized watercraft is subject to registration and numbering. That does not mean that you should not diligently protect your rowboat. Come in today so that we can discuss how best to protect your water career and make it "gently down the stream" as the song goes. 

Clemens Insurance Agency is located in Parsons, KS, 67357. You are welcome to come in and meet our knowledgeable and boat-loving staff today. Give us a call at 620-421-9999 to find out about boat and watercraft insurance as well as any of the other insurance products that we offer.  You can tell by our list of services that we like to have fun. We offer auto, home, commercial, life, farm, flood, aviation, toy and umbrella insurance.  We like to get out and about as well. We serve the following states: Alaska, Arizona, Arkansas, Alabama, California, Colorado, Indiana, Missouri, Nebraska, North Dakota, Oklahoma, Oregon, South Dakota, Tennessee, Texas as well as Washington. 

What Type Of Protection Does Umbrella Insurance Offer Homeowners?

Perhaps you have heard about umbrella insurance, but have questions about its purpose and if you may require it at some point. Umbrella insurance is a policy that can provide additional coverage that exceeds your current policy in place. It is an excellent option for those in certain circumstances and can help give those individuals peace of mind.

Do You Need Umbrella Coverage?

Umbrella insurance coverage is a liability insurance policy that covers the policyholder beyond the limits of traditional liability insurance. For instance, if you have a situation where other’s property or person is at risk for damages that exceed the level of current insurance in place, you want to consult an insurance professional about your requirements and options for umbrella policies. This type of policy is excellent for people who live near water or who rent out their homes short term, for example.

Getting The Coverage You Need

Obtaining the right umbrella policy is the key to protecting yourself from liability issues. You need the assistance of a skilled insurance agent that can outline your needs and present policy options that make sense for your situation. If you live in or around the Parsons, KS area, you can count on Clemens Insurance Agency to give you the support and insurance product options you need to protect you and your family. 

An umbrella policy offers a higher level of protection for those who may be at risk for additional liability than their current insurance policy can protect them from in the event of a lawsuit. Get the answers you need if you live in the Parsons, KS area by calling or stopping by Clemens Insurance Agency today. 

Does Commercial Insurance Cover Perishable Inventory?

Commercial insurance is designed to protect your business structure and the equipment necessary for daily processes. In addition, this insurance coverage may also protect the inventory associated with the company. Keep in mind, however, that perishable inventory may be excluded from some policies.

Commercial Insurance And Perishable Inventory

Not all policies cover the same items, and that includes perishable inventory. Most policies cover items in inventory that aren’t volatile or perishable. If you have a business with items in your inventory that can spoil or go bad quickly, you may need special insurance that will cover such instances. Never shop for this type of insurance without the assistance of an experienced commercial insurance agent.

Securing Perishable Inventory Coverage

When you begin looking for insurance policies, you must find an agent that can help you get the coverage that also can include perishable items in your inventory if this is applicable to the situation. Clemens Insurance Agency has trained and licensed agents who can offer you policies that meet your need and don’t leave perishable items vulnerable to loss from any number of hazards. They have the answers you need and quality coverage that gives you peace of mind. 

Get Complete Coverage

Commercial Insurance provides protection for the company and its assets, but there may be issues with some policies if any perishable items are involved. There are special policies on the market that specifically outline the coverage for these items and allow you to operate without gaps in coverage that can be highly detrimental to a business in Parsons, KS. 

Get the answers to your question and policy options designed to fit your business’s individual needs with the help of the experienced agents at Clemens Insurance Agency, serving the residents and business owners of Parsons, KS. Get more out of your coverage and avoid loss with great insurance products. 

Why Do I Need Commercial Insurance?

When you have a business in Parsons, KS, you need to figure out how to protect it financially. This is why you need commercial insurance. What you need may vary dramatically from the business down the road, however.

Commercial insurance can be extremely vague, however. There are all sorts of coverage options that exist for business. Rather than being overwhelmed by the options, Clemens Insurance Agency can help.

One of the top reasons you need commercial insurance is to follow all of the necessary regulations within Kansas. For example, you will likely be required to have liability coverage. If you have a certain number of employees, you will also need to have worker’s compensation coverage in place. You will also need commercial auto insurance if you have vehicles out on the road.

Another reason you need commercial insurance is to protect yourself from financial ruin. Too many businesses want to “save money” by skimping on their insurance coverage. The problem with that is when there really is a disaster. Property insurance can protect your business against fires, floods, storms, vandalism, and more. Business interruption insurance can provide you with revenue when you are forced to close your business for a few days (or longer).

The reality is that you never know what’s going to happen with your business. You need to plan for the unexpected so that it isn’t your financial downfall. Not all businesses need the same level of coverage, so you have to figure out what’s needed and what’s desired.

Having the right commercial insurance policy in Parsons, KS can provide you with a lot of peace of mind. When you’re ready to start shopping for coverage, contact us at Clemens Insurance Agency. One of our independent insurance agents can talk to you about your business and begin recommending insurance products.