You stand in the middle of your lawn to take in the view and smile proudly as the sun glistens off that shiny, brand-new roof! It took you months to save up just enough money to finally get it replaced, and you feel as though a weight has been lifted from your shoulders. You walk back into the house to go about your day, but what you may not know is that you’re forgetting to do one thing…

Tell your insurance agent!

Yep, that’s right! Your insurance agent will want to know about that new roof for a couple of reasons:

1. They’ll need to update the value of your roof, which impacts the overall value of your home. Remember: the insurance company always insures your property based on replacement costs!
2. You might just receive a discount on your homeowner’s premium! There are some insurance carriers that offer a discount for a newly updated roof.

So, if you’ve updated your roof or you’re thinking about updating your roof, make sure you save the documentation so you can show it to your insurance agent!

If you have any questions regarding your updated roof, or would like to schedule an insurance review, give Clevenger Insurance a call today at 574-267-2181!

Picture this:

It’s your first day at a new company. You wake up in the morning, excited and ready to take on a new adventure! You get dressed, eat breakfast, and walk out the door with your keys in hand as you stride confidently to your vehicle. You get in, adjust the mirrors just a tad, and turn the key. Your worst nightmare comes to fruition as you realize, after many attempts, that your car is not going to start!

What could be worse on your first day on the job?!

You quickly pull out your phone to call a friend who lives nearby to ask if they would be willing to lend you their car for a day. But before you dial their number, you think to yourself…

Will my insurance company cover me if I’m driving my friend’s vehicle? What about my friend’s insurance?

The short answer to that stress-inducing question is YES!

However, before you get into the driver’s seat of your friend’s car, you need to make sure that the vehicle is adequately insured.

Remember: the insurance always follows the car! That means that the driver’s insurance coverage will be secondary, and the owner of the vehicle’s coverage will be primary. The driver’s insurance coverage will only come into play if the limits on the owner’s insurance coverage have been exhausted.

Now, if you are driving your friend’s vehicle consistently, and it is not just occasionally, you might want to have a conversation with this friend and make sure they don’t need to add you to their auto policy as an insured driver.

If you have any questions regarding this topic, or would like to schedule an insurance review, give Clevenger Insurance a call today at 574-267-2181.

Have you ever had a buddy, or a family member ask to borrow your car? Have you wanted to say yes but you weren’t sure if your insurance would cover your friend in the case of an accident?
Well, this is kind of a loaded, two-part question so let’s break it down!

Essentially, YES – you can loan your car to a friend or family member! However, your job as the policy holder and owner of the vehicle is to make sure your friend has a valid driver’s license and their own auto policy to protect them.

Now, here’s the catch: depending on the frequency that your friend borrows your vehicle, you may want to call your insurance agent to make sure you don’t have to list your friend on your own auto policy.

If you have any other questions about having other people drive your car, or if you would like to schedule an insurance review, give Clevenger Insurance a call today at 574-267-2181.

Identity theft is a reality that we all have to face in this day and age. You never know when you’re going to get that dreaded call from your bank notifying you of numerous withdrawals from your account at gas stations, restaurants, and laundromats in Texas that were NOT made by you!

So, what happens when identity theft leaves a huge hole in your bank account?

Well, you may have identity theft coverage included in your homeowner’s policy! This coverage will reimburse you (up to listed amount) for additional expenses you incur in the process of recovering your identity.

It’s important to keep in mind that your credit card company may also provide identity theft coverage! Give them a call to clarify what coverage they provide and then let your insurance agency know so we can fill in the gaps.

If you have any questions about identity theft coverage or would like to schedule an insurance review, give Clevenger Insurance a call today at 574-267-2181.