Under your auto policy, you do have the option to purchase what’s called medical pay coverage. This is separate from liability coverage and typically starts around $5k. However, we recommend that you increase your medpay coverage to at least $10k because it provides coverage to you and any passengers in your vehicle who sustain any injuries as a result of an accident.  

Medpay is a wonderful coverage offered to you through your auto policy that fills in any gaps in your health insurance coverage. If you have a high deductible health insurance plan and sustain injuries from an auto accident, your medpay coverage would kick in and help you pay that deductible.  

Our goal at Clevenger Insurance is to make sure that you are always covered adequately. So, give our offices a call today at 574-267-2181 if you’d like to bump up your medpay limits or review your insurance policies!  

Have you ever wondered why your insurance agent asks if you have animals on your property? Specifically, dogs?

We all love our fur babies, but the reason agents ask this question is because each carrier typically has what’s called a “prohibited dog list” in their underwriting guidelines. This means that unfortunately there are some dog breeds that are on that list and excluded from coverage.

A few of the most common dog breeds on this list are:

• German Shepherds
• Pitbulls
• Rottweilers
• Husky Mix (depending on the carrier)

So, if you’re ever faced with a situation where your carrier will not write your homeowner’s policy based on the breed of dog you own, don’t fret! Call your agent because there might just be another carrier they can put you with that is willing to accommodate you and your furry friend!

Give Clevenger Insurance a call today at 574-267-2181 for any questions you may have or to schedule an insurance review!

Your child getting their driver’s permit is scary on a number of different levels… especially for you, parents! So, when the dreaded day finally comes, what are you supposed to do about your car insurance?!

Here’s a quick roadmap of the steps you need to follow when it comes to your car insurance and your youthful driver:

1. Call your insurance agent… ASAP!And let them know you have a youthful driver that is going to be operating the vehicles on your policy.
2. Come prepared to the phone call with your child’s name, date of birth, and the permit number
3. Your agent will then provide a quote to you on what the increase in premiumis going to be once you add your youthful driver to the policy
4. HOWEVER!Some insurance carriers don’t require you to add your child to the auto policy until they are actually a fully licensed driver. It really depends on your insurance carrier’s guidelines, so always make sure you call your insurance agent!

It’s always a good idea to be in communication with your insurance agent, especially when the reality of your baby being a permitted driver finally sinks in! Give Clevenger Insurance a call today at 574-267-2181 and we’ll talk you off the ledge by educating you with everything you need to know when it comes to youthful drivers and your auto policy!

If you’ve ever sat down with an insurance agent to fill out an application for homeowner’s insurance, one of the common questions asked is,  

“What is the age of your furnace?” 

The reason for this question isn’t because your agent is nosy, but because the standard rule across most insurance carriers is that they require your furnace to be updated within the last 20 years.  

The logic behind it is simple: a newer furnace reduces the exposure of a claim due to an old, worn out furnace!  

If you have any questions regarding the age of your furnace, or you would like to schedule an insurance review, give Clevenger Insurance a call today at 574-267-2181.  

Have you ever been on the phone with your insurance agent reviewing your auto policy renewal when suddenly, they ask you how many annual miles you’ve driven? Well, it may seem like a random, irrelevant question, but your answer might just have a bigger impact than you think!

The reason your insurance agent is asking for your annual miles driven is because if you drive within a certain number of miles per year, your insurance carrier may just offer you a ‘low mileage discount’!

Insurance carriers also want to make sure they are charging an accurate premium amount for each vehicle listed on your policy.

Overall, your answer to the seemingly random question of ‘what’s your annual miles driven?’ could have a significant effect on your overall auto policy premium!

So, the next time your agent calls you to conduct an insurance review, or to discuss your yearly renewal, make sure to come prepared with your annual miles driven!

If you have any further questions on why your annual miles driven matters, or you would like one of our agents to review your auto policy, give Clevenger Insurance a call at 574-267-2181.