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.

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. 

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!

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.

Residents in Parsons, KS don’t ride the motorcycles all year long. The weather can be unforgiving on the plains, so storing a motorcycle during the winter months is a wise thing to do. At Clemens Insurance Agency, our agents encourage their customers to maintain some type of insurance coverage on all of their vehicles whether they are being driven or not. In the case of motorcycles, purchasing a storage policy can be a lifesaver.

Storage Insurance

Storage insurance is offered by many companies for vehicles such as boats or motorcycles that are winterized and stored for several months out of the year. The collision insurance is removed, and the vehicle is covered for damages that may occur once it has been placed in storage. This often includes water damage or damages caused by building collapse or similar accidents.

Maintaining Your Coverage

Most states require that you maintain some insurance on your vehicle for as long as it is registered to be driven. If you let your policy lapse for the months your motorcycle sits in storage, you may have to pay a higher price to have the policy reinstated once you bring it out and start driving it again. Dropping down from a full coverage policy to a storage policy allows you to maintain coverage without paying for the insurance you don’t use.

The agents of Clemens Insurance Agency can help the residents of Parsons, KS maintain vehicle coverage on their motorcycles and other vehicles that they store during the winter months. Our agents can answer any questions you may have and can perform a policy review to make sure you have the coverage you need.

The state of Kansas has beautiful scenery that includes lakes and rivers. Bodies of water in Parsons, KS are only wholly enjoyable when you have a boat with which you can sail the waterways. You should not explore the great lakes of Kansas without boat insurance offered by indemnity companies such as Clemens Insurance Agency.

Here are three things you may be able to expect from a typical watercraft assurance policy. 

Liability Coverage
Personal liability insurance for your boat works in the same manner that car insurance operates. The average policy pays for your boat as well as another watercraft if you are in an accident in which you are the person at fault. Liability coverage can either repair or replace a damaged boat. This level of insurance may also pay for medical bills as well as lost wages and other costs associated with the accident. 

Medical Costs
Hospital bills can be expensive, which is why it is best to obtain assurance that covers medical payments in Parsons, KS. The best policy pays up to $10,000 for bills associated with health care. These expenses can include everything from prescription medications to tests for treatment. 

Physical Damage
Physical damage is the extra coverage that many auto owners would find in an indemnity plan with both comprehensive and collision policies. The incentive pays to repair your watercraft along with its motor if it is damaged. This plan also covers equipment that is attached to your boat if the vessel is lost or stolen. 

Clemens Insurance Agency is your ideal insurance company for boat insurance in Parsons, KS. Our friendly staff will help you select the plan that best suits your needs. Whether it is basic liability coverage or a complete indemnity plan, we can help you navigate the terrains of boat assurance. Contact us today for a quote.

If you are considering getting an umbrella insurance policy but you are not sure about how exactly it works, then it is important to learn the basics before moving forward. This can help you determine if it is the right move for you and your family. This is what you need to know about an umbrella insurance policy before you purchase one from Clemens Insurance Agency serving Parsons, KS. 

• It covers what your other policies cannot. When it comes to your auto and home insurance, it can only cover so much. If you have a home or vehicles that are more expensive than these policies can cover, then an umbrella policy is a great option because it can cover the excess. 
• It will not kick in unless your other policies have been exhausted. If you have an umbrella insurance policy in place for the reason stated above, it is important to know that it will not kick in until you have exhausted the liabilities and coverage of your other policies first. Once this has happened, you can begin to use your umbrella insurance policy. 
• It can cover other liabilities. Not only is it a good thing to have for home and vehicle coverage, but it can also provide liability coverage for things such as injuries on your property and even legal protection in terms of costs if you are sued for things such as slander or libel. 

If you think that an umbrella insurance policy may be the right option for you, be sure to reach out to us here at Clemens Insurance Agency, serving Parsons, KS. We can help you find the right policy to meet your needs and we can also make sure that it fits within your budget.