What does umbrella insurance cover?

When you think of an umbrella, you think of that thing you use to protect you from the rain, snow, or hail, and umbrella insurance is based on the same principle. It protects you from unexpected and unforeseen circumstances that can arise and threaten your financial well-being.

An umbrella insurance policy is an extra insurance policy that goes above and beyond the situations that your regular auto and home insurance protect you from, such as accident coverage if you are involved in a crash and fire damage coverage to your home. If a situation arises and your regular insurance is not enough to cover the damages, an umbrella insurance policy will kick in and provide you with that extra level of protection but what exactly does umbrella insurance cover?

Here are some examples of when an umbrella policy can come in handy to protect you and your wallet:

You are found to be at-fault in an auto accident. While your regular auto insurance will cover damages to the other vehicle and some of the medical expenses involved, but sometimes that is not enough. If you are sued by the other driver for medical expenses and lost wages over and beyond the amount your regular auto insurance covers, your umbrella policy will take over.

You have a bonfire in your yard and catch your neighbor’s house on fire. The neighbor will want your insurance to cover the damages and your umbrella policy will do that for you.

A guest to your home falls down the stairs and breaks their leg. Your umbrella insurance policy will cover the medical expenses and lost wages of your friend.

These are just a few examples of the reasons an umbrella policy is important to obtain. To create the best policy for you and your situation, call upon the insurance agents you can trust at Clemens Insurance Agency in Parsons, KS today!

Why do I need to get commercial insurance for my organization?

Owning a business in the Parsons, KS area is a dream that a lot of people have. When you do open a business in this area, you are going to have a lot of opportunities for success. While there is a lot of potential to do well in this area of the state, there are many responsibilities that a business owner has. One thing that an owner will need to do is get the appropriate insurance. There are several reasons why you need to get a commercial insurance policy. 

Likely a Requirement

One reason to get a commercial insurance policy for your business is that it is likely a requirement for you. When you start any type of company, you may need to raise money from an investor or bank. In either situation, you likely will be expected to be properly insured. Further, you have a certain amount of employees, you may need to get workers compensation through your commercial insurance policy.

Protects Business

Further, you will also need to get a commercial insurance policy as it will protect your business investment. When you start any type of company, you are going to always take on the risk that your company could be sued for liability, or your assets could be damaged or destroyed. With a commercial insurance policy, you will receive coverage for these risks.

Those that are in the Parsons, KS area, and need commercial insurance should call Clemens Insurance Agency. If you do call the team at Clemens Insurance Agency, you can receive the guidance that you need to get into a quality policy. The team here will help you to better understand and evaluate all of your options. This way, you will get into a policy that provides the right overall protection. 

Why Is It Important To Have Aviation Insurance?

For most of us, flying is a dream come true. Owning, flying, or simply riding an aircraft is a thrilling and exciting experience. If you have a business in aviation, work in this field, or own an aircraft,  proper aviation insurance is what you need. 

Why is aviation insurance so important? 

First of all, aviation insurance (also called aircraft insurance) protects not only you, as a plane owner, but also passengers, pilots, crew, and cargo itself. It will also cover third parties in case of an aircraft accident, including the people who were on the ground and were injured during the airplane crash, the properties damaged in the accident, and even the crops that were plowed by the plane. 

In addition, aviation insurance covers losses caused by poor maintenance or loss of cargo, which is expensive to cover yourself if you do not have special insurance. The purpose of aviation insurance is to take away all of your worries regarding heavy costs and expenses as the policy will provide coverage for that. All in all, aviation insurance was created in order to protect aircraft owners, passengers, and operators. 

Yes, accidents do not happen every day. However, they do happen when you least expect them. That makes it so important to make sure you have the right aviation insurance in place. 

Clemens Insurance Agency in Parsons, KS with over 20 years of experience is ready to answer all your questions regarding aviation insurance and help you to choose the best coverage to protect you and your aircraft. Experienced and highly qualified insurance agents from Clemens Insurance Agency in Parsons, KS provide the best possible services available.  We make sure that you will get the insurance coverage that meets your needs and budget. 

Protecting Your Farm Assets With Proper Insurance

There is a lot of farm activity in the Parsons, KS region. With all of the farms present, there is also a lot of competition. With business for farms being so integral to society overall, farm owners are constantly working to try and protect their assets, their business, and livelihood. One of the ways to do this is to purchase what is known as a farm insurance policy. A farm insurance policy can do great things to help protect your farm insurance assets from top to bottom.

When you start to dig into farm insurance what you will find is that it is a combination of insurance coverage that will help to protect you at a personal level as well as a commercial level. When you own a farm and that farm is also your home, the farm insurance is going to cover your house, possessions, as well as personal liability for what takes place on the farm.

Farm insurance takes things a step further than home insurance though as it also provides coverage for what you have to run your farm day today. This is going to include things such s the livestock as well as machinery. There is a lot of costs that go into what you need equipment-wise to keep the farm up and running. With farm insurance, you do not have to worry about losses to your equipment, or even your livestock.

As a farm owner, you owe it to yourself to help protect yourself from risk exposures that exist. You do not want to lose your farm just due to one accident you had no control over. Work with the team at Clemens Insurance Agency to ensure you have proper farm insurance coverage today.

What Is a No Fault Accident?

In Parsons, KS, individuals who are involved in a "no-fault" accident normally have a lot of questions concerning who is responsible for their medical bills and the damage to their vehicle. The agents of Clemens Insurance Agency have the answer they are looking for. In many cases, what the individual finds out, may be surprising.

The Definition of "No-Fault"

If you are involved in a no-fault accident, it means that your insurance coverage will be what protects you. Your insurance will be responsible for not only the damage to your vehicle but also any medical bills that you have due to the accident. Your insurance will take over even if the accident is the other person’s fault and they have been cited for a traffic violation.

The Right Type of Insurance Coverage

Because your insurance must cover all aspects of your loss, it’s important that you have the right type of insurance. Having the wrong kind of coverage can leave you financially strapped, especially if you are severely injured or your vehicle is totaled. While it’s your choice to pursue legal action against the other driver, that will take time. Having the right type of insurance coverage will ensure that you get the medical care you need and your car is fixed and able to get you back on the road.

At Clemens Insurance Agency, the agents are able to assist you in finding the right type of insurance coverage that will meet your individual needs. If you live in the Parsons, KS area, call and ask for a consultation at your earliest convenience. The agents can provide you with valuable information so you can make an informed choice.

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. 

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.