Ways to Keep Your Home’s Exterior Safer

You likely value your home’s curb appeal, and that’s great, but remember to focus on its safety appeal too. That is, be mindful of keeping your home’s exterior safe. Here are some ways to do just that, courtesy of Clemens Insurance Agency serving the Parsons, KS area.

Repair walkways and sidewalks

Make sure you keep the areas where people walk around outside your home safe. That includes sidewalks, walkways, steps, decks, patios, and driveways. Repair and maintain them as needed.

Install adequate lighting

You should install adequate lighting on all sides of the exterior of your home. Lights should be bright enough to allow people to safely move around even on the darkest night. Also, make sure all lights have working lightbulbs at all times.

Trim bushes and weeds

It’s surprising how much the things that grow around your home can affect safety, but they can create trip hazards or limit visibility where it is especially needed. So make sure you adequately trim bushes, shrubs, grass, and weeds.

Remove clutter

Items left around your home not only look unattractive and messy, but they can also create safety hazards. For example, people could trip over toys, bikes, and lawn equipment left outside. So pick up everything and keep it put away at all times.

Salt, sand, and shovel

Winter brings both snow and ice, and with that come safety hazards. So make sure you properly salt, sand, and shovel all walkways, driveways, porches, and any other spots where people need to step and walk.

These are just a few home exterior safety tips for you to implement around your home’s exterior. If you need more ideas or information about home insurance, feel free to contact Clemens Insurance Agency serving the Parsons, KS area.

How are motorcycle insurance premiums initially calculated?

There is usually time taken to calculate what determines your premiums for motorcycle insurance carefully. A vast array of scenarios and details are taken into account and processed by the professional team at Clemens Insurance Agency in Parsons, KS before motorcycle insurance specifics can be adequately distributed and a policy can be created.

The first, as follows, will be that of age. Older motorbike riders are paying far less than what younger riders will. This only makes natural sense as experienced riders tend to hold the upper hand and pay the lesser price both upfront and in the long run, given the fact that they’ve been "in the game" a bit longer. They know how the system works, and they’ve likely been paying insurance longer as well. 


Also, believe it or not, annual insurance costs can significantly correlate with an address. Yes, where you live or have lived can play a huge role in all this. Those in busier, more traffic-loaded cities, for instance, can expect to pay a lot more. This is the same with those living in zip codes with high vehicle theft. Those who live in less at risk areas (rural or otherwise) will pay less.

Moreover, the motorcycle itself is a considerable predeterminer. It’s overall desirability, power, and especially cost, make the calculation. And more expensive bikes tend to demand more expensive insurance to cover costlier repairs or replacements. Clemens Insurance Agency, offering great insurance packages to Parsons, KS and more, is ready to lend amazing service. Let our experts teach you everything you need to know in the way of motorcycle insurance. We are proven experts with a desire to help. Contact us now. 

Tips for Preparing for Your Next Fishing Trip

If you’re new to fishing, you’re probably excited to head out onto the water and potentially reel in your largest catch yet. However, it isn’t that simple. You should contact Clemens Insurance Agency, serving Parsons, KS and the surrounding area, to get your insurance situated before you go on your trip as well as pack your boat accordingly.

Extra Clothing

It’s possible that you’ll get wet or muddy. Obviously, you don’t want to sit miserably while you’re supposed to be on an enjoyable trip. Therefore, you should pack at least one extra pair of clothing. Bringing a hoodie and a pair of warm pants isn’t a bad idea if you’re going fishing during a time when the weather is unpredictable or will eventually get chilly.  

Rain gear

You never know what’s going to happen when you’re on the water. You could go out on the water and it starts raining. Rather than sit in the rain, you can protect your clothing and keep dry with rain gear. 

Extra Water and Snacks 

While you probably already thought about packing food and water for your trip, you might not have considered you should pack extra. If something should happen while you’re on the water, you don’t want to get stuck without enough food or water. 

Fishing License and Boat Insurance and Registration

You never know exactly what will happen when you’re on the water. You could run into the game warden who wants to see your fishing license. On the other hand, you could get into an accident on the water and need to have your insurance information to exchange with another boater.  

Contact Clemens Insurance Agency, serving Parsons, KS and the surrounding region, to get a boat insurance policy before you go on your next fishing trip by calling 620-421-9999.

Umbrella Insurance: What Does It Really Cover?

If you have significant financial investments, a business, or a family you are trying to protect, having umbrella insurance can be the way to go. This kind of insurance covers claims above and beyond what your other insurance policies protect you for. It does not cover everything that could go wrong, but there are different options to consider when choosing this kind of policy and the level of coverage you are looking for. When you work with Clemens Insurance Agency for your Parsons, KS needs, you can get an umbrella policy that covers what you need so you can have better peace of mind.

Umbrella insurance can cover a multitude of different issues in life. But the key to this kind of coverage is that it takes effect after the original policy has been exhausted. This helps insure that you will have higher coverage levels than you may be able to get with a typical policy, so you do not end up in a problem because of a claim that was higher than expected. This can be a smart choice for someone who has significant assets, but it also works for people who have a bit less. Working with a good agent can help you choose what is right for you and what will protect you and meet your needs.

Your life in the Parsons, KS area is an important one, and by reaching out to the Clemens Insurance Agency today, you can learn about the coverage options you have with umbrella insurance. Then you will be able to select a policy that is right for you or modify a policy you already have to better fit your needs. The peace of mind you will receive this way is a vital part of enjoying life in this beautiful area of the country.

3 Tips for Buying Commercial Insurance in Kansas

Do you own a business in Parsons, KS?

Are you worried about what would happen if it was destroyed by a natural disaster, or if someone was seriously injured on the job? With the right commercial insurance policies, these concerns can be eliminated.

The fact is, owning a business comes with a wide array of potential liabilities. As a result, you have to do everything you can to prevent issues – this starts with purchasing the right commercial insurance policies with the help of Clemens Insurance Agency. Keep reading for some tips to help make this process a bit easier.

1. Compare Quotes

One of the first things you need to do when trying to purchase a commercial insurance policy is to compare quotes. The good news is, getting quotes online is now easier than ever. Be sure you don’t skip this important first step as it will help you understand and get to know the different options that are available to you.

2. Bundle Your Policies

Do you currently have other insurance policies? If so, it may be a good idea to consider bundling them. The fact is, when you do this, it can help you save a significant amount of money. In fact, some people have saved hundreds of dollars on their premiums each year just by bundling. Be sure to find out if this is a possibility.

3. Use a Reputable Agent

Perhaps the best thing you can do to get the commercial policies you need is to find and use a reputable agent. The fact is, these individuals know the inner workings of the insurance world and can help you get the deal you want and need for your commercial policies.

If you have more questions about buying commercial insurance, reach out to Clemens Insurance Agency serving the Parsons, KS area. 

What is aviation insurance?

There is no way that you can own an airplane without at least hearing about aircraft insurance. You, however, may be one of those people living in Parsons, KS who believes that insurance is not necessary. It is not as if there are a thousand planes in the air at one time as with automobiles on the road. Wouldn’t insurance be a waste of money in this instance? A Clemens Insurance Agency representative can definitely testify that aircraft insurance is anything but a waste of time and resources. 

What is Aviation Insurance?

By definition, aviation insurance is an indemnity policy that provides financial coverage for aircraft. There are various policies for different plane types, which include coverage for: 

  • Standard Planes
  • Experimental Aircraft
  • Vintage Airplanes
  • Seaplanes

Your price quote will depend on many factors that include the type of plane you own as well as how often you plan to use the aircraft and for what purpose the form of transportation will be used. 

Why is Aviation Insurance Necessary?

You need aviation insurance even if you do not own an airplane. A standard commercial insurance policy does not typically provide coverage if a lawsuit arises due to technician mistakes. You could find yourself paying thousands if you own an aviation repair shop and accidentally ruin someone’s aircraft all while lacking an indemnity policy that pays for damages. An aviation assurance policy is, therefore, more of a necessity and less of an option. 

Your reasons for seeking an aviation assurance policy as an aircraft owner should be for the same purpose that you would buy a car insurance plan. You would never drive your vehicle around town in Parsons, KS without proper financial coverage to pay for mishaps. Why would you fly a plane that costs three times more than your car with no coverage?

Clemens Insurance Agency can explain the ins and outs of aviation insurance. Call today for a quote!

Should You Add Your Teen Driver To Your Insurance?

One of the milestones of growing up for most teens is getting their driver’s license. Along with the license also comes questions about insurance coverage. Teens pose certain risks that more experienced drivers don’t. If you are a parent or guardian of a teen driver, you may be wondering if you should add them to your existing coverage.

Adding Teen Drivers To Existing Coverage

If you have a policy in place and decide to add your teen driver to your policy, you should be aware that they may cause your policy premiums to increase significantly. You may want to consider getting them their own policy, especially if they plan to cover their insurance costs. This will prevent your insurance from increasing, especially if they file a claim for an accident that was their fault. Consult your insurance agent for prices and additional information about teen drivers and the risks they pose to existing adult coverage. 

Finding The Right Coverage For Teens

Teen drivers need dependable coverage that is going to protect them from potential accidents, and other hazards that being a new driver can pose. If you are looking for complete coverage for your teen driver and live in or around the Parsons, KS area, you should contact Clemens Insurance Agency. They have knowledgeable agents who can help you get the right type and amount of coverage to protect your teen drivers.  

Don’t let your teen driver on the road without the right coverage. If you have questions about insurance and adding drivers to existing policies, you should call or stop by Clemens Insurance Agency. We provide excellent coverage for people living in the Parsons, KS area and beyond. 

6 Questions to Ask About Farm Insurance

For anyone who has a farm, getting the right insurance is important. Whether that farm is used for commercial purposes or only for the people who live there and work on it, it still needs to be covered and protected. If you’re thinking about getting insurance for your Parsons, KS farm, the Clemens Insurance Agency can help you find what you need. Here are six questions to ask your agent, so you can make sure you’re getting the right policy for your needs.

  1. How much coverage do you need for your particular farm, and why?
  2. How is farm insurance different from homeowners or commercial insurance?
  3. Are there other ways to protect your farm investment?
  4. What issues and areas may be excluded from farm coverage?
  5. Are supplemental policies necessary, or is the farm insurance coverage enough?
  6. How often should your farm policy be re-examined for any needed changes?

Asking the right kinds of questions is very important when trying to protect any investment you have, and a farm is no exception to that rule. Knowing what to ask can help you become an informed consumer, which is a good way to make sure you’re getting the coverage you need and want. You may have specific options to consider, and since all states are different with their requirements, you want to work with a local agent. That can give you a better understanding of what you need in the way of farm insurance coverage.

By working with the Clemens Insurance Agency, you can get the right insurance for your Parsons, KS farm. Reach out to us today, and let us help you get farm insurance that will meet your needs. That not only gives you a great policy, but can also offer you peace of mind.

What happens if there is a major event such as a fire and I don’t have an inventory?

When you protect your home in Parsons, KS by purchasing an insurance policy, you know you are doing the right thing by protecting your largest investment. If you got your policy through Clemens Insurance Agency, the agents should have explained the importance of making an inventory of all your valuables so that in the case of a catastrophic event, such as fire or burglary, you would have a list of your valuables ready for the claim. Most people don’t think about this as something that is important until the time is too late.

To file a claim, you will need to provide your insurance company with an inventory of all the property you have lost. If you do not have one already, you will need to create one. 

If the major loss occurred because of a fire, you might need to revisit the house even if it was a total loss. You can take photographs of all the damage, and draw a diagram of the home so you can note for yourself where the items were. By going one room at a time, you will find it easier to recreate how your items were arranged throughout the house. 

If you have receipts, it is helpful to provide them so that you can prove the value. You can also go to a store, like the one where you purchased your belongings, and list the prices. Places like Target are helpful because they will let you scan items in for a registry. 

If you suffered a loss in Parsons, KS and didn’t make an inventory, you can still do it. If you want to talk about coverage or need help protecting an inventory, please call Clemens Insurance Agency today.

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.