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Cloverleaf Insurance Blog: coverage

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When you rent a property, you live in a space that someone else owns. However, you still own many of the possessions in the home. Your clothes, furniture, electronics, appliances and other effects cost a pretty penny. Therefore, you need to make sure you protect your belongings. READ MORE >>

No one wants to get an SR-22 penalty. An SR-22 requirement can make it more difficult to afford auto insurance. Nevertheless, if you get an SR-22, you must carry car insurance. SR-22s are forms that your state might require you to obtain following serious driving violations. READ MORE >>

No one wants to receive a speeding ticket. However, many drivers have received one at some point. In the short term, a single ticket might seem like more of an inconvenience than anything else. However, tickets might impact drivers even after they disappear from their driving record. READ MORE >>

From college graduates moving into their first apartments to empty nesters looking to downsize, renting is on the rise in the U.S. In fact, according to, more than half of the largest U.S. cities now have more renters than property owners. READ MORE >>

Your roof protects your entire home. A small area of damage can cause significant structural damage. Home insurance may help defray some or all of the costs associated with roof damage. However, you must properly maintain your roof for coverage to apply. Try and safely inspect your roof from time to time. READ MORE >>

As a renter, you face many of the same risks homeowners do. Among these are the risks that someone will break into your home and steal your valuables. This is one of the reasons why it’s important to maintain renters insurance. This coverage helps minimize your financial loss should you suffer this fate. READ MORE >>

The Wall Street Journal reports that the first quarter of 2017 consisted of numbers of new owner households doubling that of new renter households. This turn in the housing market is in large part due to the millennials. Contrary to the fears of older generations, the millennials are moving on from the days of renting, and exploring new opportunities in the housing realm. READ MORE >>

Many people become frustrated with car insurance deductibles. Some wonder about the value of having auto insurance if they must pay out of pocket for coverage anyway. The key here is to know that a deductible is one of the factors on your policy that you have full control over. READ MORE >>

It's rare that your auto insurance rates will spike from a single incident. Insurers don't tend to raise rates randomly, and you'll often see your premiums stay steady even after filing a minor claim. However, there are times when insurers can suddenly increase rates due to a significant weather event in your area. READ MORE >>

Boating is fun, but there's plenty of responsibility involved. Every time you invite passengers on your boat, you expose them to a variety of open-water risks. The responsible boater will take steps to protect their passengers during an excursion. These steps include following safety practices and maintaining quality insurance coverage. READ MORE >>

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