Do you ever wonder why your home is insured more than it’s worth?

Perhaps when renewal time comes around and you receive that summary in the mail of your homeowner’s policy, you get confused and agitated, wondering if your agent has made some sort of mistake!

Well, before you decide to fire your agent, let us tell you that you can’t compare the insured value to the market value.

Most homeowners’ policies are written to protect the cost the rebuild. The best option you can select if it’s available is “guaranteed cost replacement”.

This means regardless of the cost to build versus the insured value, the insurance company will ensure you are put back whole. Remember, it is specific to your policy – so it is important to ask your agent about this option.

So next time you receive those policy documents in the mail, remember that your home is insured for the cost to rebuild not the market value.

If you have any questions regarding your homeowner’s policy, or would like an insurance review, give Clevenger Insurance a call today at 574-267-2181.

Technology is always evolving, and us – as an agency — right along with it!

We are thrilled to announce that Clevenger Insurance Agency now has its own mobile app!

The name of the app is Clevenger Insurance Online and you can download it from the app store on your mobile phone.

Here’s what you’ll find inside the Clevenger Insurance Online app:

• A summary of your home, auto, and even commercial coverages
• Declaration sheets for proof of insurance
• Auto ID cards
• Past documents that you, as the client, have sent to Clevenger Insurance that we have saved on file for you

Skip a phone call and simplify your insurance experience by heading over to the app store and downloading Clevenger Insurance Online today!
If you have any questions regarding the app or you would like to review your insurance coverages, give us a call today at 574-267-2181.

Have you ever had that sinking, dreaded feeling that you forgot something important?

After a chaotic morning of getting the kids fed and ready for school, you’re halfway to your destination when that awful feeling hits you. Your palms start to sweat as you begin to have flashbacks of apple slices and Peanut Butter sitting on your kitchen counter when they should be sitting on the front seat right next to you.

It was your day to provide the classroom snack, and now your morning has gone from smooth to stressful!

I think we can all agree that this is not the greatest feeling.

What about when that feeling hits you when it comes to paying your insurance premiums?

There may not be an automatic system that puts apple slices into your car, but there is an automatic solution for your insurance premiums.

It’s called AUTOPAY!

Switching to autopayments on your insurance policies can save you time, sometimes money, and it helps avoid that dreaded forgetful feeling that might just lead to a lapse in your insurance coverage!

Skip the stress and switch your insurance premiums to autopay by giving Clevenger Insurance a call today at 574-267-2181.

Can two different liability insurance policies be tapped for coverage on one accident?

In the arena of business insurance, an auto liability policy and a general liability policy could respond to the same incident or claim.

There is a great deal of comfort (for all involved) when the auto policy and general liability policy are with the same insurer. You may be able to save a few premium dollars by buying auto insurance from one carrier and liability insurance from another but the savings is not worth the anxiety of “what carrier will cover this loss”.

Having the same insurer for both policies will eliminate the question of “who is going to take the lead in this claim?” and it puts a stop to the question of “is this better covered under the auto liability policy or the general liability policy?”.

Call Clevenger Insurance at 574-267-2181 if you have questions or concerns on business insurance or any other insurance matter.

We are often asked “what liability limit should I buy?” While there is no set answer to this questions, we do know this – nobody has ever been “over insured” when a catastrophic event occurs. Cost of medical treatment – prices of real property (cars, trucks, good in transit) – claims for permanent injury or death – are not going down. In fact, with inflation, aggressive injury attorneys and rising court judgements, the amount of insurance protection you need today is far more than you needed a few years ago. The moral obligation we have to make people “whole” if our actions cause them harm is another consideration when deciding “how much insurance should I buy?” We all have super powers but we are also ‘human” on some level and accidents happen. Don’t be caught short – talk with Clevenger Insurance about the limits of protection you should purchase.